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 661–675 results
- First Northern Bank of WyomingCertificate of DepositCD · 60 months · $100 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: *APY on Savings accounts and CD's are based on quarterly compounding of interest except for 3 and 6 month which are paid at maturity. *A service fee will be charged if balance falls below minimum balance. Seniors and students may be exempt from the monthly service fees. A penalty may apply for early withdrawal on Time Certificates of Deposit.
Offer: Quarterly compounding of interest.
3.70% interest rate · Effective Sep 24, 2026
Rate checked
More details - Wave 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: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.69% interest rate · Effective Oct 7, 2026
Rate checked
More details - Bell BankFixed Rate Certificate of DepositCD · 60 months · $500 min · 3.75%–3.80% by balance
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: $500 minimum deposit. FDIC insured with no account fees. Early withdrawal penalty may apply. Balances greater than $99,999 earn a higher rate upon renewal if compounding increases balance over $99,999.
Offer: 5 Year (60 Month) CD. Interest paid annually. Early withdrawal penalty may apply.
3.75% interest rate
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit Balance APY $500 – $99,999Your amount 3.75% Over $99,999 3.80% Rate checked
More details - Smart Financial Credit UnionCertificates of DepositCD · 60 months · $1,000 min · 3.75%–3.85% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: All accounts are subject to membership eligibility requirements. Interest compounded monthly and credited monthly and at maturity. Early withdrawal penalties apply (7 days' interest within first 6 days; all interest earned on 91-day CDs; 90 days' interest on 6-month CDs; 180 days' interest on 12-, 18-, and 24-month CDs; 270 days' interest on 30-, 36-, 48-, and 60-month CDs). No monthly service fee.
Offer: Standard Certificate tier. Daily balance method.
3.69% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and upYour amount 3.75% $50,000 and upMini Jumbo Certificate tier. 3.80% $100,000 and upJumbo Certificate tier. 3.85% Rate checked
More details - Star of Texas Credit UnionCertificate of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply if surrendered prior to term maturity. Minimum amount to earn APY is $1,000. Federally insured up to $250,000 by NCUA.
Offer: Minimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Wellby FinancialWellby CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000with conditionsRequirements
Product: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.
Offer: Bump Up rate requires active Wellby Secure Spending checking account and 15+ combined eligible debit and/or credit card Point-of-Sale (POS) transactions of $1.00+ during the qualification period. Early withdrawal penalty of 365 days dividends.
Qualified rate · 3.68% interest rate · Effective Oct 1, 2026
Rate checked
More details - InvesTex Credit UnionCertificate of DepositCD · 60 months · $1,000 min · 3.75%–3.90% by balance
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,0003.69% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.75% $50,000 and upJumbo ($50K plus) 3.90% Rate checked
More details - Central Bank IllinoisCertificates of Deposit (CDs)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000intro rateRequirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.
Offer: Penalty for early withdrawal
Promotional rate · 3.72% interest rate · Effective Sep 30, 2026
Rate checked
More details - Washington Savings BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Must be opened in person by the primary account holder with proper identification. After opening, deposits or withdrawals are not permitted until maturity without penalty. Auto-renews at maturity; 10 calendar days grace period. Current rates effective as of September 29, 2026.
Offer: 60 Month CD. Interest rate and APY remain in effect until maturity. Interest is compounded and credited quarterly on Jan 31, Apr 30, Jul 31 & Oct 31. Auto-renews with 10 calendar days grace period. Early withdrawal penalty equal to 365 days simple interest.
3.70% interest rate · Effective Sep 29, 2026
Rate checked
More details - Spirit Financial CUShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,0003.69% interest rate · Effective Oct 6, 2026
Rate checked
More details - Journey BankCertificates of DepositCD · 60 months · $500 min · 2.75%–4.00% by balance
Bank · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: $500 minimum deposit to open. Term options from 3 months to 5 years. Interest compounded quarterly. Early withdrawal penalty may apply.
Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $2,000 2.75% $2,000 – $10,000 3.25% $10,000 – $50,000Your amount 3.75% $50,000 and up 4.00% Rate checked
More details - Ventura County Credit UnionFixed Rate 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: Personal and Business certificates. Minimum opening deposit is $1,000. Early withdrawal penalty applies. Dividends posted monthly on anniversary date and at maturity.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - SRI Federal Credit UnionRegular 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: Dividends paid monthly. Early withdrawal penalties apply.
Effective Oct 1, 2026
Rate checked
More details - Credit Union of OhioRegular CertificatesCD · 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: Dividends compound quarterly. Early withdrawal penalty applies. $500 min. to open regular certificates.
3.69% interest rate · Effective Oct 1, 2026
Rate checked
More details - G.P.O. Federal Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.75%APY$2,021 over 60 months on $10,000intro rateRequirements
Product: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
Offer: Fixed dividend rate; 270 days early withdrawal penalty; automatic renewal with a 10 day grace period; additional deposits not allowed.
Promotional rate · 3.69% interest rate · Effective Aug 3, 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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank