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 1216–1230 of 3,421 results
- Johns Hopkins Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Early withdrawal penalty may be imposed. JHCU pays dividends based upon available earnings.
3.36% interest rate · Effective Oct 1, 2026
Rate checked
More details - VacationLand Federal Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Membership eligibility required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
Effective Sep 22, 2026
Rate checked
More details - Beginnings Credit UnionCertificatesCD · 60 months · $500 min · 3.40%–3.60% by balance
Credit union · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Fixed rate for term. Compounded monthly. Early withdrawal penalty applies: 90 days of dividends for terms < 12 months, 180 days of dividends for terms >= 12 months. $0 monthly service fee. NCUA insured.
Offer: Compounded monthly. Penalty for early withdrawal.
Compounded monthly · Effective Jan 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.40% $25,000 and up 3.50% $100,000 and up 3.60% Rate checked
More details - Old Dominion National BankCertificates of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Interest accrues daily and credited in accordance with product statement cycle. Early withdrawal penalties apply. Fees may reduce earnings.
3.36% interest rate · Effective Sep 17, 2026
Rate checked
More details - Tru-Fi Credit UnionTru Certificates of DepositCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: CD terms 36, 48 & 60 months offer a one-time setup. Automatic renewal or transfer to share at maturity. Dividend rates are compounded and credited monthly. Closing the certificate or withdrawing funds prior to maturity will result in a loss of earnings and/or penalties.
3.35% interest rate · Effective Jul 1, 2026
Rate checked
More details - tMH Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Rates fixed for term. Compounded monthly. Daily balance method to calculate minimum balance to obtain APY. Fees may reduce earnings. Membership subject to eligibility.
Offer: Compounded monthly. Daily balance method.
3.35% interest rate · Compounded monthly · Effective Jan 29, 2026
Rate checked
More details - Bonanza Valley State BankCertificate of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Interest credited quarterly. Early withdrawal penalties apply.
Offer: Penalties may apply for early withdrawal.
3.36% interest rate
Rate checked
More details - COPFCUSavings CertificatesCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: $1,000 minimum to open. Terms range from 3 months to 5 years. Fixed rate guaranteed for the selected term. Penalties apply for early closure or withdrawal.
3.35% interest rate · Effective Sep 1, 2026
Rate checked
More details - First Southwest BankCertificate of Deposit (CD)CD · 60 months · $1,000 min · 3.40%–3.50% by balance
Bank · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Fixed interest rates. Early withdrawal penalties may apply. Interest is compounded monthly and paid monthly.
Offer: Standard tier
3.35% interest rate · Compounded monthly · Effective Feb 6, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 – $250,000Your amount 3.40% $250,000 and upJumbo tier 3.50% Rate checked
More details - Meridian Trust Federal Credit UnionCertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Membership required. Share Certificates may be added to in $100 increments up to an additional $5,000 during the term of the certificate. Early withdrawal penalty applies (90 days dividends for maturity <= 12 months, 180 days dividends for maturity > 12 months).
3.35% interest rate · Effective Sep 1, 2026
Rate checked
More details - Rimrock Credit UnionShare CertificatesCD · 60 months · $2,000 min
Credit union · Add a location to see nearby branches
3.40%APY$1,820 over 60 months on $10,000Requirements
Product: Early Withdraw Penalty: 180 Dividend Days. Dividends calculated daily, paid monthly. Rates accurate as of November 2014. Membership requires $25 deposit into Share Savings Account.
Offer: Early Withdraw Penalty: 180 Dividend Days
3.40% interest rate
Rate checked
More details - Holyoke Community Federal Credit UnionCDsCD · 60 months · $10,000 min
Credit union · Add a location to see nearby branches
3.39%APY$1,815 over 60 months on $10,000Requirements
Product: Rates are effective October 1, 2026.
3.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Heritage SouthShare Certificate AccountsCD · 60 months · $100 min
Credit union · Add a location to see nearby branches
3.39%APY$1,814 over 60 months on $10,000Requirements
Product: Dividends are compounded quarterly, except certificates with terms under one year which are paid at maturity. Substantial penalty for early withdrawal. Automatically renewed at maturity.
3.35% interest rate · Compounded quarterly
Rate checked
More details - The Peoples Savings & Loan CompanyCertificate Of DepositCD · 60 months · $500 min
Bank · Add a location to see nearby branches
3.39%APY$1,814 over 60 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Institution generally does not accept nor retain deposits owned by persons residing outside their normal geographical service area.
Offer: A penalty will be imposed for early withdrawal. Balance required is daily balance.
3.35% interest rate · Effective Oct 13, 2026
Rate checked
More details - Campbell & Fetter BankCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.39%APY$1,814 over 60 months on $10,000Requirements
Product: Substantial interest penalty for early withdrawal. Monthly interest checks are not available, but interest may be direct deposited to checking/savings or added back to CD.
Offer: Compounded Quarterly.
3.35% interest rate · Compounded quarterly · Effective Oct 13, 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
3,421 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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