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 826–840 results
- Citizens National Bank of AlbionCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.63%APY$1,952 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Minimum deposit required to open all accounts is $1,000.00 unless otherwise stated.
Offer: 60 Months Certificates. A penalty may be imposed for early withdrawal.
3.60% interest rate · Effective Sep 22, 2026
Rate checked
More details - GECUPersonal Bump-up Certificate Accounts (Variable rate)CD · 60 months · $2,500 min · 3.61%–3.71% by balance
Credit union · Add a location to see nearby branches
3.61%APY$1,940 over 60 months on $10,000Requirements
Product: Variable rate. Bump-up certificate accounts offer an option to increase the dividend rate once during each term to the current rate in effect upon written request. Unlimited funds may be deposited at any time during the term. Does not qualify for Senior Privilege 15 additional basis points. Membership eligibility is required; $10 share account deposit required.
Offer: Monthly Crediting. 60-month term. Average daily balance requirement of $2,500. One option to increase rate during term.
3.55% interest rate · Effective Oct 20, 2026
Rate by balance
Rate by balance for Personal Bump-up Certificate Accounts (Variable rate) Balance APY $2,500 and upYour amount 3.61% $50,000 and up60-month Jumbo. 3.71% Rate checked
More details - 600 Atlantic FCUCertificate of DepositCD · 60 months · $2,500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,940 over 60 months on $10,0003.55% interest rate · Effective Sep 28, 2026
Rate checked
More details - Empower Blue Credit UnionShare CertificatesCD · 60 months · $500 min · 3.61%–3.87% by balance
Credit union · Add a location to see nearby branches
3.61%APY$1,940 over 60 months on $10,000Requirements
Product: Open a certificate with as little as a $500 minimum deposit. Early withdrawal penalties may apply.
Offer: Average daily balance required to earn dividends: $500.
3.55% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 3.61% $50,000 and up$50,000+ Jumbo rate. 3.87% Rate checked
More details - Connected Credit UnionShare CertificatesCD · 60 months · $2,000 min
Credit union · Add a location to see nearby branches
3.61%APY$1,940 over 60 months on $10,000Requirements
Product: Dividends are based on the average daily balance method, compounded daily and credited monthly. Dividends can be withdrawn each month without penalty.
Offer: Early withdrawal penalty: 365 days.
3.55% interest rate · Compounded daily · Effective Aug 25, 2026
Rate checked
More details - Postal Family Credit Union, Inc.Regular Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$1,940 over 60 months on $10,000Requirements
Product: Dividends are credited monthly on the 1st of the month and at maturity. Early withdrawal penalties apply.
3.55% interest rate · Effective Feb 21, 2024
Rate checked
More details - Gulf Coast Educators Federal Credit UnionPremium Term Share CertificateCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000with conditionsRequirements
Product: Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate. Dividends compounded and credited quarterly. Additional deposits allowed with no limit.
Offer: 5 year term. Requires Premium Deposit Account qualification.
Qualified rate · 3.55% interest rate · Effective Mar 24, 2026
Rate checked
More details - Generations FCURegular Certificate of DepositCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Membership eligibility required (live, work, worship, volunteer, attend school, or own a business in Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall, Medina, or Wilson County, TX, or immediate family member). Rates are fixed for term; dividends are compounded monthly. Penalty for early withdrawal. Stated APY assumes principal and dividends remain on deposit until maturity.
3.54% interest rate · Compounded monthly · Effective Oct 21, 2026
Rate checked
More details - Credit Union of TexasRegular CDCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Start saving with a minimum opening deposit of $1,000. Interest compounded daily and paid at maturity. Renews automatically with a 7-day grace period. Penalty for early withdrawal.
3.54% interest rate · Compounded daily · Effective Oct 21, 2026
Rate checked
More details - Auburn Community Federal Credit UnionCertificates of Deposit (CD)CD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: $500.00 minimum balance. Substantial penalties for early withdrawal may apply.
Offer: Substantial penalties for early withdrawal may apply.
3.54% interest rate
Rate checked
More details - CEFCUCertificate AccountsCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Minimum to open $1,000. Dividends compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change daily.
3.54% interest rate · Effective Oct 21, 2026
Rate checked
More details - Partners Federal Credit UnionStandard CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Minimum to open and earn dividends is $1,000. Members ages 55+ may receive a 0.10% APY dividend increase on new or renewal certificates 24 months or greater.
3.54% interest rate
Rate checked
More details - SharePoint Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Dividends for Share Certificates are calculated on the daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Minimum required to open a Share Certificate is $500. Early withdrawal penalty: one year or less will equal 90 days of interest on the amount withdrawn subject to penalty, and over one year will equal 180 days of interest on the amount withdrawn subject to penalty.
3.55% interest rate · Effective Oct 23, 2026
Rate checked
More details - First Federal Bank of Kansas CityCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: FDIC insured up to $250,000. No fees or monthly maintenance service charge. Automatic renewal options. Must be a US resident or permanent resident alien and at least 18 years old to open online.
Offer: Penalty for early withdrawal.
3.55% interest rate · Effective Oct 23, 2026
Rate checked
More details - Firefighters Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Rates subject to change without notice. Annual Percentage Yields are based on dividends remaining on the certificate. Penalty may be applied for early withdrawal. Membership open to eligible persons living/working in specified WI/MN counties or eligible employee/family groups.
3.54% interest rate · Effective Oct 22, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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