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 91–105 results
- Blackhawk Community Credit UnionShare CertificateCD · 60 months · $1,000 min · 3.95%–4.45% by balance
Credit union · Add a location to see nearby branches
4.45%APY$2,432 over 60 months on $10,0003.89% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.95% $10,000 and upYour amountJumbo Certificate 4.45% Rate checked
More details - La Capitol Federal Credit UnionThrifty Saver Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$2,432 over 60 months on $10,000with conditionsRequirements
Product: Membership required. Additional deposits not allowed. Automatically renews at maturity. Early withdrawal penalty applies: 180 days dividends for terms 1 to less than 3 years; 365 days dividends for terms 3 years or more. Effective date 10/09/2026.
Offer: APY 4.45% with $500 minimum opening and La Capitol checking account.
Qualified rate · Effective Oct 9, 2026
Rate checked
More details - Logan Medical Federal Credit UnionShare CertificatesCD · 60 months
Credit union · Add a location to see nearby branches
4.45%APY$2,432 over 60 months on $10,0004.36% interest rate · Effective Oct 10, 2026
Rate checked
More details - Bank of WashingtonCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
4.45%APY$2,432 over 60 months on $10,000Requirements
Product: APY is calculated using the daily balance method, assuming interest remains in the account until maturity. A penalty may be imposed for early withdrawal.
Offer: Interest paid quarterly.
4.38% interest rate
Rate checked
More details - Bank of Franklin CountyCertificates of DepositCD · 60 months
Bank · Add a location to see nearby branches
4.45%APY$2,432 over 60 months on $10,000with conditionsRequirements
Product: Interest paid monthly, quarterly or at maturity based on terms. Interest paid by check, deposited into a checking or savings account, or credited directly back to certificate. Automatically renews at maturity for the same term. FDIC insured up to $250,000.
Offer: 60 Month Certificate; Preferred Rate with any checking account
Qualified rate · 4.36% interest rate
Rate checked
More details - MY CREDIT UNIONShare CertificatesCD · 60 months · $500 min · 4.39%–4.49% by balance
Credit union · Add a location to see nearby branches
4.44%APY$2,426 over 60 months on $10,000Requirements
Product: Must maintain $5 in Membership Share Account for credit union membership eligibility. Dividends paid quarterly. Early withdrawal penalty may apply.
4.30% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and up 4.39% $10,000 and upYour amount 4.44% $25,000 and up 4.49% Rate checked
More details - Federated Employees Credit UnionTerm Share CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.42%APY$2,414 over 60 months on $10,000Requirements
Product: Dividends are compounded and paid quarterly. Early withdrawal penalties apply. 10-day grace period at end of term.
4.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Minnesota Valley Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.42%APY$2,414 over 60 months on $10,000Requirements
Product: Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; over 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days dividend. Fees may reduce earnings.
Offer: Dividends compound quarterly. Early withdrawal penalty of 270 days dividend applies.
4.35% interest rate · Effective Sep 22, 2026
Rate checked
More details - 4.40%APY$2,402 over 60 months on $10,000
Effective Oct 22, 2026
Rate checked
More details - Goldenwest Credit UnionStandard CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - UniWyo Credit UnionShare CertificateCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.
4.33% interest rate · Effective Oct 15, 2026
Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 60 months · $500 min · 4.40%–4.45% by balance
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate by balance
Rate by balance for Regular Certificate of Deposit Balance APY Up to $100,000Your amount 4.40% $100,000 and upFor balances > $100K. 4.45% Rate checked
More details - DeWitt Savings BankCertificates of Deposit (CDs)CD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Fixed-rate, fixed-term CDs under $100,000; rates not for public entities; amounts of $100,000 or greater require calling for rates; applicants must be over 18 and reside in Illinois.
Offer: Less than $100,000; min balance to earn APY $1,000.
4.31% interest rate · Effective Oct 6, 2026
Rate checked
More details - E*TRADE from Morgan StanleyCertificates of DepositCD · 60 months · $0 min
Bank · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000intro rateRequirements
Product: Fixed rates. Open minimum $0. Early withdrawal penalties apply.
Promotional rate · 4.31% interest rate · Effective Oct 16, 2026
Rate checked
More details - Ascent Credit UnionCertificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$2,402 over 60 months on $10,000Requirements
Product: Minimum opening deposit $500. Terms vary from 3 to 60 months. Early withdrawal penalties apply. Fixed interest rate compounded and paid quarterly. Rate match available for same product from local credit unions (conditions may apply). Members of the VIP Club can earn higher interest rates.
Offer: Interest compounded and paid quarterly.
Effective Oct 15, 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
3,411 CDs at 3,039 banks and credit unions · checked Oct 15–22
- 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