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 796–810 results
- Fidelis Catholic Credit UnionShare CertificatesCD · 60 months
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Membership eligibility applies. Fees or withdrawals may reduce earnings. APY and interest rates may change after account opening.
Offer: Compounded monthly.
3.59% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - EastRise Credit UnionFixed-Rate CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000intro rateRequirements
Product: Early withdrawal penalties may apply to certificates. Fees may reduce earnings. Minimum to open is $500. Add-on deposit option is not available.
Promotional rate · Effective Oct 14, 2026
Rate checked
More details - Edwards 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 $10,000Requirements
Product: No fees to open or maintain your account. Dividends earned daily and compounded quarterly. Early withdrawal penalties apply.
Offer: APY paid at maturity only. Early withdrawal penalty applies.
Compounded quarterly · Effective Jul 1, 2026
Rate checked
More details - Earlham BankCertificates of DepositCD · 60 months · $1,000 min · 3.65%–3.80% by balance
Bank · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: Terms range from 91 days to 60 months. Early withdrawal penalties may apply.
Offer: Term: 60 Months. Interest Paid: Quarterly. Automatically Renewable: Yes.
3.60% interest rate
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $15,000Your amount 3.65% $15,000 and up 3.80% Rate checked
More details - Bank MidwestCertificates of DepositCD · 60 months · $500 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: Penalty will be imposed for early withdrawal: maturity 182 days or less is equal to 90 days of simple interest; 12 to 24 months is equivalent to 180 days of simple interest; 30 to 60 months is equivalent to 360 days of simple interest. Penalty does not apply upon death or judicially declared incompetence of the owner.
Offer: 60-month Certificate of Deposit
3.60% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $250,000Your amount 3.65% $250,000 and up 3.75% Rate checked
More details - Health Advantage 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 $10,000Requirements
Product: Membership required ($5 minimum deposit). Fixed rate. Dividends compounded and credited monthly; daily balance method. Penalty may apply for early withdrawal. Automatically renewable with a 10-day grace period.
Offer: Early withdrawal penalty: 180-day dividend penalty for terms > 365 days.
3.59% interest rate · Effective Oct 5, 2026
Rate checked
More details - TRUE Community Credit UnionShare 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: No setup or maintenance fees. Early withdrawals subject to penalty. Automatically renews at maturity with a 7-day grace period. Maximum deposit at listed rates is $500,000.
3.59% interest rate · Balance cap $500,000 · Effective Sep 9, 2026
Rate checked
More details - Dow Credit UnionBump Rate CDsCD · 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: If rates increase, CD owners have the option to bump the rate one time during the term. Starting minimum deposit is $500. Eligible for Member Saver Reward. APY assumes interest payouts remain in certificate account until maturity. Early withdrawal penalty may apply. Not available for CD Secured Loans.
3.59% interest rate · Effective Oct 1, 2026
Rate checked
More details - LOC Credit UnionHeroes CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000with conditionsRequirements
Product: Requires enrollment in Loving Our Communities Heroes Program. $1,000 minimum deposit required to earn Heroes Certificate rates. Rates only apply to those opened after program enrollment (or switched at maturity). Penalty for early withdrawal will apply. Membership open to anyone who lives, works, worships, or attends school in Michigan, or immediate family/household.
Offer: Dividends paid monthly; 180 days early withdrawal penalty.
Qualified rate · 3.59% interest rate · Effective Oct 5, 2026
Rate checked
More details - Citizens State Bank of LoyalCertificate Of DepositsCD · 60 months · $1,000 min · 2.65%–3.75% by balance
Bank · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: APY calculated using monthly compounding. Penalty for early withdrawal.
Offer: Monthly compounding. Penalty for early withdrawal.
2.62% interest rate
Rate by balance
Rate by balance for Certificate Of Deposits Balance APY $1,000 – $10,000 2.65% $10,000 – $50,000Your amount 3.65% $50,000 – $100,000 3.70% $100,000 and up 3.75% Rate checked
More details - BLC Community BankCertificate of Deposit (CD)CD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000with conditionsRequirements
Product: Certificates will automatically renew for the same term at the current posted rate of interest unless redeemed within 10 days of the maturity date. Penalty may be imposed for early withdrawal.
Offer: Automatically renews at maturity at prevailing rate and term. Interest compounded quarterly and credited quarterly and at maturity.
Qualified rate · 3.60% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - Farmers State BankCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,0003.62% interest rate · Effective Oct 5, 2026
Rate checked
More details - True Sky 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 $10,000intro rateRequirements
Product: Most certificate accounts require a minimum investment of $500. Early withdrawal penalty may apply. NCUA insured. Minimum deposit of $1,000 required max of $100,000 for APY rate accuracy terms. New money only.
Promotional rate · 3.59% interest rate
Rate checked
More details - True Sky Federal 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: The APY assumes dividends are compounded quarterly and will remain on deposit until maturity. Fees may reduce earnings.
3.59% interest rate · Compounded quarterly
Rate checked
More details - RiverLand Federal Credit UnionRegular CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.65%APY$1,963 over 60 months on $10,000Requirements
Product: No setup or monthly maintenance fees. Monthly compounding with earnings paid on the last day of the month. Automatically renews at current rate if a like-term certificate is available at maturity. Early withdrawal penalty equals one-half of remaining term's dividends. Balance must exceed $2,000 before investing in a Certificate (min. balance applies based on Certificate type).
Offer: Monthly compounding; early withdrawal penalty applies.
3.59% interest rate · Effective Oct 5, 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