Compare Bank & Credit Union Rates
Best 5-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 331–345 results
- 4.06%APY$2,202 over 60 months on $10,000intro rate
Requirements
Product: Can be stepped up to the then-current 5 Year rate CD one time during the 5 year term without extending original maturity date; considered a variable rate product until after the step-up feature is elected.
Offer: 5 Year term. Early withdrawal penalty: 6 Month's Interest. Rate can be stepped up one time during the 5-year term to the then-current 5 Year rate CD.
Promotional rate · 4.00% interest rate · Effective Sep 24, 2026
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More details - U.P. State Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.06%APY$2,202 over 60 months on $10,000Requirements
Product: Dividends may not be withdrawn before maturity.
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More details - WEPCO Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$2,202 over 60 months on $10,000Requirements
Offer: Early withdrawal penalty applies. Compounding and crediting posted quarterly.
4.00% interest rate · Effective Jan 1, 2026
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More details - Southwest Montana Community Federal Credit UnionShare Certificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.06%APY$2,202 over 60 months on $10,000intro rateRequirements
Product: Renews automatically upon maturity after 10-day grace period. 90-day penalty for early withdrawal on all Share Certificates. Dividends are calculated and paid quarterly.
Promotional rate · Effective Oct 1, 2026
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More details - Wisconsin Medical CUShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.06%APY$2,202 over 60 months on $10,000Requirements
Product: Dividends compounded quarterly. Penalty for early withdrawal.
4.00% interest rate · Compounded quarterly · Effective Sep 18, 2026
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More details - Rivertrust Federal Credit UnionTerm Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.06%APY$2,202 over 60 months on $10,000Requirements
Offer: Dividend Posting Period: quarterly
4.00% interest rate · Effective Jan 21, 2026
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More details - Tarrant County's Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: $1,000 minimum to open and obtain disclosed annual percentage yield. Interest compounds monthly and is paid monthly. Early or partial withdrawal of certificate may result in a penalty.
3.98% interest rate · Balance cap $49,999.99 · Effective Oct 19, 2026
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More details - Friends and Family Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000with conditionsRequirements
Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.
Offer: Family Advantage Platinum tier.
Qualified rate · 3.99% interest rate · Effective Oct 23, 2026
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More details - Northeast Community Credit Union60 Month Certificate AccountCD · 60 months
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Effective Oct 23, 2026
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More details - Colorado Federal BankCertificates of DepositCD · 60 months · $5,000 min
Bank · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Accounts available for individuals only. Online CD. No monthly maintenance fee, ACH fee or online Account fee.
Offer: Early withdrawal penalty equals 6 months' worth of interest.
3.97% interest rate · Effective Oct 15, 2026
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More details - Educational Systems Federal Credit UnionCertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000intro rateRequirements
Product: Regular (non-Jumbo) Certificate. Membership required. $500 minimum to open except 11-month promotional Certificate. Dividends compounded and credited quarterly except the 11-month promotion (monthly). Additional deposits not permitted after opening. Automatically renews at maturity. Star Member is a member with $25,000 in combined deposits and/or loans; Business and Association accounts are not eligible.
Offer: Star Member rate: $25,000 in combined deposits and/or loans; Business and Association accounts not eligible.
Promotional rate · 3.99% interest rate · Effective Oct 19, 2026
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More details - Aspire Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000intro rateRequirements
Product: Membership required. Insured by NCUA.
Offer: Features a One Time Bump option on the interest rate after 12 months. Not automatically renewable. Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends).
Promotional rate · 3.99% interest rate · Effective Oct 15, 2026
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More details - Meriwest Credit UnionCertificate AccountsCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000intro rateRequirements
Product: Membership is required with a one-time non-refundable $5 fee. Early withdrawal penalties apply. Rates are for consumer accounts only and not available for institutional certificates.
Offer: Penalty may apply for early withdrawal. Limited time offer.
Promotional rate · 3.97% interest rate · Effective Oct 13, 2026
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More details - Treadwell Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Share Certificates terms range from 6 to 60 months. 12-month term or longer features a rate bump option. Subject to early withdrawal penalties.
Effective Oct 16, 2026
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More details - Shoreline Hometown Credit UnionFlex CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$2,196 over 60 months on $10,000Requirements
Product: Allows continuous deposits over the duration of the certificate's term. Requires new money deposits. Compounded and credited quarterly. Penalty for early withdrawal is half of interest earned over the term.
Offer: Requires $1,000 new money deposit.
3.99% interest rate · Effective Oct 16, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 5-year CDs pay nationwide
3,411 CDs at 3,035 banks and credit unions · checked Oct 22–23
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank