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 511–525 results
- Central Keystone FCUShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.89%APY$2,103 over 60 months on $10,000Requirements
Product: A penalty will be imposed for ealy withdrawal of term share accounts
Effective Oct 22, 2026
Rate checked
More details - Warren-Boynton State Bank60 Month CDCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.88%APY$2,096 over 60 months on $10,000Requirements
Product: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
Offer: Selected Rates current as of 10/22/2026 , for approved customers. Deposit accounts are only solicited from Sangamon County, Illinois and surrounding counties.
3.85% interest rate · Effective Oct 14, 2026
Rate checked
More details - Tinker Federal Credit UnionRate BoosterCD · 60 months · $1,000 min · 3.73%–4.30% by balance
Credit union · Add a location to see nearby branches
3.88%APY$2,096 over 60 months on $10,000Requirements
Product: Deposits may not be made after opened until maturity. Early withdrawal penalty applies (number of days dividend lost for withdrawals made before maturity).
Offer: Early withdrawal penalty: 360 Days.
3.67% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Rate Booster Balance APY $1,000 and up 3.73% $10,000 and upYour amount 3.88% $25,000 and up 4.09% $50,000 and up 4.19% $99,000 and up 4.30% Rate checked
More details - West Pointe BankFixed Rate Certificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.87%APY$2,091 over 60 months on $10,000Requirements
Product: Fixed Rate Certificates of Deposit (CODs) may be subject to an early withdrawal penalty. Interest compounds monthly. APY assumes interest remains in account until maturity or funds are withdrawn. Withdrawals and fees will reduce earnings.
Offer: Interest compounds monthly. Early withdrawal penalty may apply.
3.80% interest rate · Effective Oct 19, 2026
Rate checked
More details - Brewer Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$2,091 over 60 months on $10,000Requirements
Product: Dividend period is monthly. Dividends are compounded and credited monthly. A penalty may be imposed for early withdrawal. Rates are fixed for the term of the account. Certificates renew at the end of the term with a 10-day grace period.
3.80% interest rate · Effective Oct 6, 2026
Rate checked
More details - First National Bank in OlneyCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.87%APY$2,091 over 60 months on $10,000Requirements
Product: Automatically renewable at maturity unless otherwise stated. Penalties for early withdrawal will be 1 month, 3 months, 6 months, or 12 months interest on the amount withdrawn depending on the term.
Offer: Compounding frequency: Monthly.
3.80% interest rate · Effective Sep 15, 2026
Rate checked
More details - Gardiner Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.87%APY$2,091 over 60 months on $10,000Requirements
Product: Minimum opening balance of $500.00. Automatically renewable. Fixed rate for the term of the account. Early withdrawal penalty applies (180 days dividends). Dividend withdrawal allowed.
3.80% interest rate · Effective Aug 1, 2025
Rate checked
More details - Tri County Area Federal Credit UnionCertificatesCD · 60 months · $500 min · 3.87%–3.98% by balance
Credit union · Add a location to see nearby branches
3.87%APY$2,091 over 60 months on $10,000Requirements
Product: Dividends paid monthly; No setup or maintenance fees; Add-on option available to make additional deposits; Funds fully insured up to $250,000 by the NCUA.
Offer: Dividends paid monthly.
3.80% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.87% $50,000 and up 3.92% $75,000 and up 3.98% Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.87%APY$2,091 over 60 months on $10,000Requirements
Product: Grace period of 10 days at maturity to withdraw or reinvest. Certificate reinvests automatically for the same term if not withdrawn.
3.80% interest rate · Effective Jul 9, 2026
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More details - 3.86%APY$2,085 over 60 months on $10,000
Requirements
Product: No hidden fees. FDIC-insured. $5,000 minimum balance.
Effective Oct 1, 2026
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More details - Ardent Credit UnionCertificateCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Membership eligibility and requirements apply. Fees may reduce earnings. Certificate interest is calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest is compounded and credited monthly. Fixed interest rates for the term of the Certificate. Early withdrawal penalty applies (smaller of interest since issuance/renewal or 180 days of interest). Unless otherwise stated, certificates automatically renew at maturity to the rate effective at that time. Minimum balance / opening minimum is $100.
3.78% interest rate · Effective Oct 16, 2026
Rate checked
More details - Friends and Family Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 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 Bronze tier.
Qualified rate · 3.79% interest rate · Effective Oct 23, 2026
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More details - Michigan Educational Credit UnionShare CertificatesCD · 60 months · $5,000 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: Rates are subject to change at any time without notice. Available with a compounding or non-compounding option. Early withdrawal penalty: 3 months and 6 months: all dividends accrued penalty; 1 to 2.5 years: 6 months of dividends accrued penalty; 3-5 years: 9 months of dividends accrued penalty.
Offer: Term: 60 Months. Early withdrawal penalty: 9 months of dividends accrued penalty.
Effective Sep 24, 2026
Rate checked
More details - Fox Communities Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Requirements
Product: For individual depositors. Must meet membership eligibility requirements and open Membership Share Savings account with a $5 balance. Early withdrawal penalties apply.
Offer: Early withdrawal penalty: 365 Days.
3.80% interest rate · Effective Oct 5, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 60 months · $1,000 min · 3.85%–3.90% by balance
Credit union · Add a location to see nearby branches
3.85%APY$2,079 over 60 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 3.85% $20,000 and up 3.85% $100,000 and up 3.90% 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