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 631–645 results
- Sharefax Credit UnionBump Share CertificatesCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000with conditionsRequirements
Product: Business account holders do not qualify for Jump or Relationship Rates. IRA and HSA share certificates are not eligible for bumps. Rates are subject to change. Please check with a Member Service Representative.
Offer: Gold relationship tier
Qualified rate · 3.68% interest rate · Effective Oct 5, 2026
Rate checked
More details - Security BankUSACertificate of DepositCD · 60 months · $500 min · 3.50%–3.85% by balance
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Rates current as of October 23, 2026. Interest rate is paid on the entire balance. Interest Rate and APY may change after account is opened. Fees may reduce earnings certificate. Early withdrawals are subject to penalty. 36, 48, & 60 Month Certificate of Deposit are option CDs, which allows you to change the rate once during the term of the certificate.
Offer: Option CD: allows changing the rate once during the term of the certificate.
3.45% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 – $10,000 3.50% $10,000 – $25,000Your amount 3.75% $25,000 – $1,000,000,000 3.85% Rate checked
More details - Members First Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.
Offer: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Early withdrawal penalty may apply.
3.69% interest rate · Effective Oct 23, 2026
Rate checked
More details - St. Francis X Federal Credit UnionShare CertificatesCD · 60 months · $500 min · 3.75%–4.00% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Early withdrawals are subject to penalties. Quarterly dividends. Automatic renewal. Option to transfer certificate dividends into checking or savings account or mailed at no charge. Minimum deposit of $500.
Offer: First Tier APY. Early withdrawals are subject to penalties. All rates are current as of October 23, 2026.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $100,000Your amount 3.75% $100,000 and up 4.00% Rate checked
More details - National Grand BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,0003.69% interest rate · Effective Oct 21, 2026
Rate checked
More details - Redstone Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Non-compounding option. Dividend rate is 3.75%. Dividends transferred to designated share account. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
3.75% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
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More details - State Department Federal Credit UnionCertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Flexible terms from 6 to 60 months. Starting with just $500 to open. No service charges. For terms less than 12-months, dividends are paid upon maturity; 6 month Share Certificate does not compound and credit quarterly. 12-month and longer Certificate dividends are compounded and credited quarterly and at maturity. Penalties may apply for early withdrawals.
Offer: Dividends are compounded and credited quarterly and at maturity.
Effective Oct 1, 2026
Rate checked
More details - Arlington Community Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.
Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - Apple FCURegular CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Minimum deposit of $500 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
Effective Oct 22, 2026
Rate checked
More details - Northwest Community BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: There is no monthly service charge. Guaranteed interest rate for the term of the CD. Interest credited monthly. Principal withdrawn before maturity subject to early withdrawal penalty, unless taking a distribution from an IRA. CDs automatically renew at maturity with a 10-day grace period.
3.69% interest rate
Rate checked
More details - Nutmeg State Financial Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Tiered rates. Automatically renewable at then-current market rates. Dividends are compounded and credited monthly using average daily balance method. Penalties apply for early withdrawal. $1,000 minimum balance to open and earn APY. 10-day grace period upon maturity.
3.69% interest rate · Effective Oct 19, 2026
Rate checked
More details - 3.75%APY$2,021 over 60 months on $10,000
Requirements
Product: FDIC-insured. Minimum opening balance $500. Automatically renews. Interest credited quarterly. Non-IRA certificates may be pledged as collateral for a share loan. Early withdrawal penalty may apply.
Offer: Quarterly compounding. Early withdrawal penalty may apply.
3.70% interest rate · Effective Oct 15, 2026
Rate checked
More details - Gate City BankRelationship CDCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000with conditionsRequirements
Product: Requires a Gate City Bank checking account.
Offer: Requires a Gate City Bank checking account
Qualified rate · 3.75% interest rate · Effective Oct 22, 2026
Rate checked
More details - Farmers Bank of WillardsCertificates of DepositCD · 60 months · $1,000 min · 3.70%–3.75% by balance
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings. Compounded quarterly or interest payment via check or transfer. Minimum of $500 to open for 12 Month Term only for under 18 years old.
Offer: Rates over $250,000. Minimum of $1,000 to open account.
3.70% interest rate · Compounded quarterly · Effective Oct 21, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Any balanceYour amount 3.75% $100,000 – $249,999Rates between $100,000-$249,999. 3.70% Rate checked
More details - Andrews Federal Credit UnionJumbo Fixed Rate Share CertificatesCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $10,000 balance to earn advertised Jumbo APY. Early withdrawal penalties apply.
3.70% interest rate
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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank