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 781–795 results
- GECUPersonal Certificate Accounts (Fixed rate)CD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of Tuesday, October 20, 2026. Early-withdrawal penalties apply.
Offer: Annual/Maturity Crediting. Average daily balance requirement of $1,000.
3.65% interest rate · Effective Oct 20, 2026
Rate checked
More details - Marquette Savings BankCertificates of DepositCD · 60 months · $10,000 min · 3.65%–3.75% by balance
Bank · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Minimum opening deposit of $500.00 except where noted. Daily balance method used to calculate interest. Additional deposits cannot be made during term. Early withdrawal penalties apply.
Offer: Ladder CD promotional kicker rate for 5 Year CD. Minimum opening deposit of $10,000 required for each of the three CDs opened. Must open and maintain at least three CDs simultaneously, with like ownership, with staggered maturity terms. Kicker rate valid for initial term only. IRAs excluded.
3.70% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Any balance 3.75% $500 and upYour amountInterest compounded and credited quarterly for terms of 12 to 60 months. 3.65% Rate checked
More details - CSE Federal Credit UnionTerm Share CertificateCD · 60 months · $500 min · 3.55%–3.75% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Certificate rates are locked in for the term selected. Early withdrawal penalty may apply.
Offer: Certificates Less Than $10,000. Early withdrawal penalty is 365 days of dividends.
Effective Sep 17, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 and up 3.55% $10,000 and upYour amountCertificates More Than $10,000. 3.65% $100,000 and upCertificates More Than $100,000. 3.75% Rate checked
More details - Bristol Morgan BankCertificate of Deposits (CDs)CD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Payment of interest: added to principal or transferred to checking/savings.
3.59% interest rate · Effective Oct 19, 2026
Rate checked
More details - Miami Firefighters Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,0003.59% interest rate · Effective Oct 22, 2026
Rate checked
More details - Achieva Credit UnionCertificate of Deposit (CD)CD · 60 months · $500 min · 3.65%–3.75% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.
3.59% interest rate
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $500 and upYour amount 3.65% $25,000 and up 3.70% $100,000 and up 3.75% Rate checked
More details - Tropical Financial Credit UnionRegular Certificate of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Minimum average daily balance to earn APY is $500. Early withdrawal penalties apply. Rates effective as of October 19, 2026.
Offer: Minimum average daily balance to earn APY is $500.
3.60% interest rate · Effective Oct 19, 2026
Rate checked
More details - Redstone Federal Credit UnionMember's Choice Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
Offer: Non-compounding option. Dividend rate is 3.65%. Mandatory dividend payout transferred to designated share savings account. Rate change option available after 90 days and every 365 days thereafter.
3.65% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Arlington Community Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 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+.
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - Pioneer Federal Credit UnionTerm CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: All Pioneer Term Certificates qualify for a one-time rate bump if rates go up during the term of that certificate. Early withdrawal penalty applies.
Offer: Minimum balance of $500 to earn APY; early withdrawal penalty applies.
3.59% interest rate · Effective Oct 21, 2026
Rate checked
More details - Alliant Credit UnionCertificateCD · 60 months · $1,000 min · 3.65%–3.70% by balance
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Must be an Alliant Credit Union member. Dividends compound monthly and are paid on the last day of the month and at maturity. Early withdrawal penalty applies to principal withdrawals. No additional deposits allowed after opening. A Jumbo Certificate with balance falling below $75,000 converts to a Regular Certificate.
3.59% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $75,000Your amount 3.65% $75,000 and upJumbo Share Certificate tier. 3.70% Rate checked
More details - Philadelphia Federal Credit UnionSavings CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.59% interest rate
Rate checked
More details - Security Credit UnionShare Certificates of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Rates are effective as of October 1, 2026. Rates are subject to change without notice; printed matter such as our newsletter Security Matters takes priority over Internet rates. Call Security Credit Union for current rates. Penalty will be imposed for early withdrawal (90 days interest for terms of 12 months or less, 180 days interest for terms greater than 1 year). Fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate checked
More details - TBA Credit UnionCertificate of Deposit (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Penalty applies for early withdrawal. Rates effective April 22, 2026. Ask about local CD matching rate program.
Offer: With Direct Deposit (0.20% rate increase)
3.60% interest rate · Effective Apr 22, 2026
Rate checked
More details - Columbus Bank & TrustCertificate of Deposit (CD)CD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Minimum deposit may be required. Terms range from 6-60 months. Penalty may be imposed for early withdrawal. Fees could reduce earnings. Interest rates may change after account is opened.
3.60% interest rate · Effective Oct 7, 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