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 916–930 results
- BP Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,911 over 60 months on $10,000intro rateRequirements
Product: Dividend rates are fixed for the initial term; early withdrawal penalties apply.
Offer: Minimum opening deposit $1,000.
3.50% interest rate · Effective Apr 17, 2026
Rate checked
More details - Education First Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Dividends are compounded monthly. A penalty may be assessed for early withdrawal before maturity.
3.50% interest rate · Compounded monthly
Rate checked
More details - Chemcel FCUShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Dividends paid monthly by check, to certificate, or by automatic deposit to Regular Savings or Money Market. Automatically renews at maturity unless notice given within 3 weeks prior. Early withdrawal penalty is 180 days of dividends. No partial withdrawals allowed. Federally insured up to $250,000.
Offer: Early withdrawal penalty applies.
3.50% interest rate · Effective Nov 3, 2025
Rate checked
More details - Sunward Credit UnionStandard Term CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,911 over 60 months on $10,000Requirements
Product: Standard Term Certificates are available to personal and business members. Penalty may be imposed for early withdrawal. APY if dividends are not withdrawn during the term.
3.50% interest rate · Effective Sep 16, 2026
Rate checked
More details - First Choice Community Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.56%APY$1,910 over 60 months on $10,000Requirements
Product: APY based on monthly compounding. Rates subject to change daily.
Effective Jan 26, 2026
Rate checked
More details - Highmark Federal Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.56%APY$1,908 over 60 months on $10,000with conditionsRequirements
Product: Early withdrawal penalty is half the remaining dividends at the time of withdrawal. Honors and Platinum rates apply to Honors and Platinum Rewards Members (* indicates Dividend Rate). Honors Rate and Platinum Rate bumps do not apply to Limited Time Only specials.
Qualified rate · 3.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - RBFCUCertificateCD · 60–71 months · $1,000 min · 3.51%–3.65% by balance
Credit union · Add a location to see nearby branches
3.55%APYRequirements
Product: Membership eligibility required. $1,000 minimum balance required to open a Share Certificate account and earn stated APY. Early withdrawal penalties apply. Standard Certificate rate for 18 months does not apply to the 18-Month SuperSaver Certificate.
3.45% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificate Balance APY $1,000 – $5,000 3.51% $5,000 – $20,000Your amount 3.55% $20,000 – $75,000 3.60% $75,000 and up 3.65% Rate checked
More details - Community Savings Bank5 Year CertificateCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Grouped on the CD page with 18, 30 and 60 month certificates: rate and APY fixed for the term; automatic renewal; quarterly compounding and credit; no deposits after opening except at maturity.
Offer: Early withdrawal penalty is 180 days of interest, earned or not. APY accurate as of October 17, 2026.
3.50% interest rate · Effective Oct 17, 2026
Rate checked
More details - Water and Power Community Credit UnionSavings CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: WPCCU membership required. Minimum opening balance of $1,000. Compounded daily and paid quarterly. Can be used as collateral for consumer loans. Early withdrawal penalties apply. Fees could reduce earnings.
3.50% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Turbotville National BankCertificate of DepositsCD · 60 months · $500 min · 3.29%–3.55% by balance
Bank · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Offer: APY is based on quarterly compounding of interest. If interest is withdrawn before maturity, APY will be lower. Penalties may apply for early withdrawal.
3.25% interest rate
Rate by balance
Rate by balance for Certificate of Deposits Balance APY $500 – $5,000 3.29% $5,000 and upYour amount 3.55% Rate checked
More details - Golden 1 Credit UnionTerm Savings CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: There is no minimum balance required to earn the stated APY. The minimum opening deposit for a regular certificate is $500. The APY is based on an assumption that dividends will remain in the account until maturity. Any fee, withdrawal or transfer reduces earnings and there may be penalties for early withdrawal.
3.49% interest rate · Effective Oct 16, 2026
Rate checked
More details - Sharefax Credit UnionBump Share CertificatesCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 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.
Qualified rate · 3.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - Sharefax Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000with conditionsRequirements
Product: Rates are subject to change. Please check with a Member Service Representative. Business account holders do not qualify for Relationship Rates. Dividends are compounded monthly and credited monthly on the last day of the month and at maturity.
Qualified rate · 3.49% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - The Bank of Elk RiverCertificate of DepositCD · 60 months · $200 min
Bank · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000intro rateRequirements
Product: FDIC-insured. Minimum deposit of $200 for regular CDs and $2,500 for Added Advantage CDs. Early withdrawal penalties apply. 7-day grace period after maturity date to cash CD.
Offer: Early withdrawal penalty of 365 days interest (minimum $25.00).
Promotional rate · 3.50% interest rate · Effective Oct 14, 2026
Rate checked
More details - Assemblies of God Credit UnionCertificate of Deposit (CD)CD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.55%APY$1,906 over 60 months on $10,000Requirements
Product: Certificate dividends are paid monthly. Penalty may apply for early withdrawal. Rates subject to change.
Offer: Certificate dividends paid monthly. Penalty may apply for early withdrawal.
3.50% interest rate · Effective Aug 1, 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