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 496–510 results
- ANB BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Minimum opening deposit is $1,000. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
Offer: 60 Month term. Penalty may be imposed for early withdrawal. Maturities greater than one year pay interest at least annually.
3.84% interest rate · Effective Oct 13, 2026
Rate checked
More details - Openland Credit UnionTerm Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Membership required with $1 minimum opening deposit for savings account. Dividends calculated daily, paid monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
Rate checked
More details - East Texas Professional Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: ETPCU membership required. A minimum of $1,000 is required to open and maintain on a daily basis to earn APY. Early withdrawal penalty may be imposed. Term Share Certificate balances $100K and above receive a 0.10% dividend increase.
Offer: 60 Month Term Share Certificate. Compounded & Credited Quarterly. Balances $100K and above receive a 0.10% dividend increase.
3.84% interest rate · Effective Oct 1, 2026
Rate checked
More details - Riverfront Federal Credit UnionPreferred CertificatesCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000with conditionsRequirements
Product: Available to personal accounts for members 18 and older with an account open at least 60 days. Requires qualification for the Preferred Program (at least 15 combined purchase debit/credit card transactions per monthly qualification cycle, plus either $5,000+ in deposit accounts or $20,000+ in loan balances). If qualifications are not met, the account earns regular certificate rates and renews to a nonpreferred certificate at maturity. No monthly service charge. Fixed interest rate. Early withdrawal penalty applies.
Offer: Requires Preferred Program qualification. Fixed to maturity. Subject to early withdrawal penalty.
Qualified rate · Effective Oct 1, 2026
Rate checked
More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 60 months · $1,000 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - Dort Financial Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Subject to penalty for early withdrawal. Rates subject to change.
3.84% interest rate
Rate checked
More details - Northern Hills Federal Credit UnionCertificatesCD · 60 months
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Dividends compounded daily and credited monthly. Early withdrawal penalties apply (12 months or less: 90 days dividends; >12 to <24 months: 180 days dividends; 24 to <48 months: 365 days dividends; 48 months or more: 730 days dividends). 10-day grace period upon automatic renewal. Bump-rate feature may be attached allowing a one-time rate change.
Compounded daily · Effective Oct 4, 2026
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More details - Nusenda Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Dividends compound monthly. Penalty for early withdrawal of principal. Must maintain minimum daily balance to earn disclosed APY. 36-Month Bump certificate allows a one-time rate increase if rates rise during the term and additional deposit at that time.
3.83% interest rate · Effective Sep 23, 2026
Rate checked
More details - Blue Flame Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid monthly. Early withdrawal penalties apply. Automatically renews for the same term at maturity unless otherwise requested.
Offer: Minimum balance before dividends can be earned.
Effective Jan 2, 2026
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More details - Signature Federal Credit UnionStandard Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: With a minimum opening balance of $500, savings grow from 3 months to 5 years. No additional deposits can be made once the account is open. Fixed rate for the term; penalty may be assessed for early withdrawal.
Effective May 27, 2026
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More details - Peninsula Federal Credit UnionJump Rate CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000intro rateRequirements
Product: Allows opting into a new rate once per certificate term through online banking, mobile app, or by contacting the Credit Union if rates increase within the certificate's term. Early withdrawal penalties apply.
Promotional rate · Effective Sep 3, 2026
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More details - Northern Communities Credit Union (NCCYou)Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000intro rateRequirements
Product: Requires credit union membership ($5 minimum share account balance). Minimum opening balance of $1,000. Interest compounded daily; paid at maturity for terms up to 24 months, paid quarterly for terms greater than 24 months. Penalty for early withdrawal.
Offer: Interest compounded daily, paid quarterly.
Promotional rate · Compounded daily · Effective Aug 31, 2026
Rate checked
More details - KH Credit UnionShare CertificatesCD · 60 months · $500 min · 3.90%–4.00% by balance
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Minimum deposit is $500.00. Early withdrawal penalty: 90 days interest for maturities up to and including 12 months; 365 days interest for maturities greater than 12 months. Insured up to $250,000 by American Share Insurance.
3.83% interest rate · Effective Jul 16, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Any balanceYour amount 3.90% $50,000 and upJumbo rate ($50,000+) 4.00% Rate checked
More details - American United Federal Credit UnionDedicated Saver CertificateCD · 60 months · $5 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000with conditionsRequirements
Product: Requires $5 minimum deposit and monthly auto-deposits of at least $5 from savings account. Allows adding funds monthly. Not available on limited-time certificate specials. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply).
Offer: Standard membership rate.
Qualified rate · 3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details - American United Federal Credit UnionRegular CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.90%APY$2,108 over 60 months on $10,000Requirements
Product: Membership required. Early withdrawal penalty is 180 days of dividends (minimum penalty of $25 may apply). Additional deposits are not allowed after opening. Dividends compounded on average daily balance and paid monthly.
Offer: Standard membership rate.
3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details
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