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 406–420 results
- Denver Fire Department Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Requires DFDFCU membership (purchase and maintain 1 share, par value $25.00). Fixed rate; dividends paid and compounded monthly. All Certificates of Deposit have a $500 minimum balance requirement. Share certificates auto-renew upon opening with a 5-day grace period. Early withdrawal penalty is 90 days' dividends.
3.93% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Sikorsky Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends are calculated using a daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. APY assumes dividends and principal will remain on deposit until maturity; withdrawals reduce earnings and early withdrawal of principal is subject to penalty. Membership eligibility in Fairfield, New Haven, or Hartford County, CT or Sikorsky Aircraft employment required.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - Kirkwood BankCertificates of DepositCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
Offer: Substantial Penalty for early withdrawal. Other conditions may apply. Fees could reduce the earnings on the account.
4.00% interest rate · Effective Oct 7, 2026
Rate checked
More details - Maine Savings Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Certificate rates are fixed for the term of the account. Dividends compounded and credited monthly; calculated using the daily balance method. Additional deposits not permitted after opening. Early withdrawal penalties apply.
3.93% interest rate · Effective Oct 15, 2026
Rate checked
More details - AMOCO Federal Credit UnionCertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Subject to membership eligibility. Dividends compound monthly. Early withdrawal penalties apply (12 months = 90 days dividends, 24-36 months = 120 days dividends, 48-60 months = 270 days dividends, 84 months = 365 days dividends). Minimum deposit required is $1,000.
Offer: Early withdrawal penalty: 270 days’ dividends.
3.93% interest rate · Effective Oct 1, 2026
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More details - Baptist Credit UnionCertificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends compounded and credited monthly based on the average daily balance method. Automatic renewal at maturity unless instructed differently in writing within the last 10 days before maturity. Substantial penalty for early withdrawal.
Offer: Term is 1,825 Days (5-Year). Early withdrawal penalty: 150 Days Dividends.
3.93% interest rate · Effective Sep 25, 2026
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More details - MemberSource Credit UnionTerm Share CertificatesCD · 60 months · $500 min · 4.00%–4.10% by balance
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Dividends paid monthly. For 12 month Term Share Certificates, you have the discretion to increase the existing rate to the current rate available on certificates with the same term one time during the term of the certificate. Early withdrawal will result in a dividend penalty.
3.93% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $500 – $50,000Your amount 4.00% $50,000 – $100,000 4.05% $100,000 and up 4.10% Rate checked
More details - Media City Credit UnionCertificateCD · 60 months
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Membership eligibility required: Residents and/or those employed in the City of Burbank, spouses, family members, household members of an existing member, or members of ChangeWorks! Foundation ($25 donation).
Effective Oct 6, 2026
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More details - APCI Federal Credit UnionRegular CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: $500 minimum deposit required. Dividends paid or compounded monthly. Automatic renewal available. A penalty may be imposed for withdrawals made before maturity.
Offer: APY assumes dividends remain in account.
3.93% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$2,167 over 60 months on $10,000with conditions
Requirements
Product: Early withdrawal penalty may apply. $1,000 minimum to open account and earn APY.
Offer: Relationship Certificates must be accompanied by an active checking account (completes 3 or more transactions per month). Deposit of $100,000 or more receives a $500 bonus; $50,000 - $99,999 receives $250 bonus (new money only).
Qualified rate · 3.87% interest rate · Effective Sep 30, 2026
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More details - Hancock Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Membership eligibility required (live, work, worship, or attend school in Hancock County). Excludes JR Certificates. Early withdrawal penalty applies. Minimum balance $500 to open and earn advertised APY.
3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - Parks Heritage Federal Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Membership eligibility required: open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in New York state, as well as immediate family members of. A $5 deposit into a Share Savings Account is required for membership. No monthly maintenance fees. Early withdrawal penalties may apply. Dividends compounded and paid monthly on the last day of each month.
Offer: Fixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month.
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More details - TopLine Financial Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
3.94% interest rate
Rate checked
More details - Associated Healthcare Credit UnionCertificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000intro rateRequirements
Product: Membership eligibility requirements apply. No setup or maintenance fees. Early withdrawal penalty: 90-day dividend penalty for 6 and 12-month terms; 180-day dividend penalty for terms over 1 year (14, 18, 22, 24, 36, 48, 60 months). Quoted APY based on dividends paid quarterly to certificate. Opening minimum $1,000.
Offer: Early withdrawal subject to 180-day penalty of dividends. Quoted APY based on dividends paid quarterly to the certificate.
Promotional rate · 3.94% interest rate · Effective Oct 1, 2026
Rate checked
More details - Spring BankCertificates of DepositCD · 60 months · $1,000 min · 4.00%–4.30% by balance
Bank · Add a location to see nearby branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: The Annual Percentage Yield (APY) on Certificates of Deposit assumes interest remains on deposit until maturity; a withdrawal of interest prior to maturity will reduce earnings. Penalties for early withdrawal of principal could reduce earnings, whether earned or not. Interest accrues using the daily balance method at the interest rate in effect for that balance tier.
Offer: Interest compounded: Quarterly; Interest credited: Quarterly
3.94% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $24,999Your amount 4.00% $25,000 – $99,999 4.10% $100,000 and up 4.30% Rate checked
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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
3,410 CDs at 3,034 banks and credit unions · checked Oct 22–24
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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- Synchrony BankBank