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 1081–1095 of 3,421 results
- Velocity Community Credit UnionMember CertificateCD · 60 months · $5,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Certificate rates remain fixed for the term of the certificate. Fees or other conditions could reduce earnings. Penalty may be imposed for early withdrawal.
3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - First Florida Credit UnionCertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Membership eligibility required ($5.00 minimum deposit to Savings Prime Share Account to join). Funds federally insured up to $250,000 by NCUA.
Offer: Fixed rate for the term. Interest is compounded and paid monthly. Early withdrawal penalty applies to principal before maturity.
Promotional rate · 3.45% interest rate · Effective Aug 1, 2026
Rate checked
More details - Pinellas Federal Credit UnionCertificate AccountsCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Membership is open to anyone who lives, works, worships, attends school, or regularly does business in Pinellas County; state, county, or municipal employees; SEGs; or family of current members. Early withdrawal penalties may apply and may reduce earnings.
Offer: Minimum balance to earn dividends is $500.
3.46% interest rate · Effective Oct 5, 2026
Rate checked
More details - Southeastern Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty.
Offer: Dividends may be paid quarterly or at maturity; compounded quarterly.
3.45% interest rate · Compounded quarterly · Effective Jun 26, 2025
Rate checked
More details - Bank of the ValleyCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000with conditionsRequirements
Product: Interest compounds quarterly. Substantial penalty for early withdrawal. Open and/or Maintain a Bonus or Loyalty Checking Account to qualify for an additional .25% APY on New Certificates of Deposit (special terms excluded).
Qualified rate · 3.45% interest rate · Effective Oct 4, 2026
Rate checked
More details - Metro Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Requires Metro Credit Union membership ($1.00 par value share). Early withdrawal penalties apply (<=29 months: 180 days' dividends; 30-59 months: 365 days' dividends; >=60 months: 730 days' dividends). Compounded and credited monthly. Additional deposits not allowed until maturity. Certificates in excess of $1,000,000 may be refused. Federally insured by NCUA up to $250,000.
Offer: 60 Month Certificate. $500 minimum opening deposit and balance to earn APY. Fixed rate. Early withdrawal penalty of 730 days' dividends.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - Autotruck Financial CUShare Certificate AccountsCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Dividend period for all accounts is quarterly. A penalty will be imposed for early withdrawal.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - AmFirstShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000intro rateRequirements
Product: Available to qualified members only. Federally insured up to $250,000 by NCUA. Minimum deposit of $500. Dividends paid monthly, quarterly, or at maturity. Substantial penalty for early withdrawal. Automatically renews at maturity.
Offer: FlexRate Certificate: If rates go up any time during the term, members can request a rate increase (limit one rate increase during original term). A new certificate will be issued for the same term as the original certificate.
Promotional rate · Effective Oct 4, 2026
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More details - Legacy Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Membership eligible to those who live, work, worship, or attend school in the 7-county Greater Birmingham area. Fixed rate guaranteed for term. Early withdrawal penalty applies. Additional deposits not permitted during term. Minimum opening deposit $500.
Effective Oct 4, 2026
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More details - Electrical Workers 558 Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Assumes dividends are credited monthly. Minimum balance is $500. Substantial penalty for early withdrawal. No deposits allowed after opening until maturity date. Does not renew automatically and will not earn dividends after maturity date unless used to secure a loan. Redeeming before maturity forfeits accrued dividends.
3.35% interest rate
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More details - Credit Union of DenverCertificates - TraditionalCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Compounds monthly. Early withdrawal penalties may apply on Certificates and fees may reduce earnings. The Interest APY is variable. Federally Insured by NCUA.
Offer: Compounds monthly. Early withdrawal penalties may apply.
Effective Oct 1, 2026
Rate checked
More details - Bayer Heritage Federal Credit UnionShare CertificatesCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Add to certificate balance at any time; 10-day grace period; early withdrawal penalties apply.
3.44% interest rate · Effective Oct 1, 2026
Rate checked
More details - Carolina Federal Credit UnionCertificate of DepositCD · 60 months · $1,000 min · 3.50%–3.60% by balance
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: Dividends calculated daily, compounded and credited monthly. Automatically renews at maturity at current interest rate unless notified. Early withdrawal penalties apply.
3.45% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 and upYour amount 3.50% $50,000 and up 3.60% Rate checked
More details - BankNorthCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. The interest rate and annual percentage yield may change after account opening, once per term, on 24 month through 60 month CDs.
Offer: Interest rate and APY may change after account opening, once per term.
3.50% interest rate · Effective Sep 30, 2026
Rate checked
More details - SELCO Community Credit UnionStandard CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.50%APY$1,877 over 60 months on $10,000with conditionsRequirements
Product: Minimum opening balance of $500; additional deposits not allowed. Early withdrawal penalty applies. Consumer certificates automatically renew for another term of the same duration by default with a 10-day grace period. SELCO Rate Guarantee adjusts rate if offering rate increases within 30 days of opening.
Offer: Certificate Reward Tier 1: Requires household 9-month average daily savings balance of $25,000 to $99,999.
Qualified rate · 3.46% interest rate · Effective Oct 3, 2026
Rate checked
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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
3,421 CDs at 3,040 banks and credit unions · checked Oct 22–25
- Typical
- 3.03%
- Top 10% from
- 4.05%
- Banks, typical
- 2.52%
- Credit unions, typical
- 3.25%
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