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 1366–1380 of 3,421 results
- Bank of PragueCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.28%APY$1,751 over 60 months on $10,000Requirements
Product: CD Interest Payable Semi-Annually. Penalty for early withdrawal on CDs.
Offer: 60 Month CD. CD Interest Payable Semi-Annually. Penalty for early withdrawal on CDs.
3.25% interest rate · Effective Mar 2, 2026
Rate checked
More details - Bank of Old MonroeCertificates of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.28%APY$1,751 over 60 months on $10,000Requirements
Product: Minimum opening balance of $1,000.00 to earn stated APY. Subject to penalty for early withdrawal. Rates accurate as of 1/26/2026 and subject to change without notice.
Offer: 60 Month term. Early withdrawal penalty may apply.
3.25% interest rate · Effective Jan 26, 2026
Rate checked
More details - Energy One Federal Credit UnionShare CertificateCD · 18–72 months · $500 min · 3.25%–3.35% by balance
Credit union · Add a location to see nearby branches
3.25%APYintro rateRequirements
Product: Dividends compound quarterly. Federally insured up to $250,000 by NCUA. Once opened, additional deposits are not permitted until maturity. Early withdrawal subject to penalty. Renews automatically with a 10-day grace period.
Offer: Tier for balance $500
Promotional rate · Effective Sep 14, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $1,000 3.25% $1,000 – $100,000Your amount 3.25% $100,000 and up 3.35% Rate checked
More details - Northern Bank DirectCertificates of DepositCD · 60 months · $500 min
Part of Northern Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Eligibility is limited to consumers who apply online. Maximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
Offer: Maximum opening deposit of $250,000.00 per certificate of deposit account. A penalty will be imposed for early withdrawal. Fees may reduce earnings.
3.20% interest rate · Effective Jul 8, 2026
Rate checked
More details - DCURegular CertificateCD · 60 months · $500 min
Part of First Tech Federal Credit Union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Minimum balance of $500 to open. Minimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty may apply: 3-11 months 60 days' dividend, 12-35 months 90 days' dividend, 36-60 months 180 days' dividend.
Offer: Minimum daily balance of $500 to earn APY. Dividends compounded daily, credited monthly. Early withdrawal penalty: 180 days' dividend.
3.20% interest rate · Compounded daily · Effective Oct 25, 2026
Rate checked
More details - First National Bank in Port LavacaCertificate of DepositCD · 60 months · $1,000 min
Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: $1,000 needed to open any CD. Current market interest rate earned. Maturities available from 3 to 60 months. Stated CD rate is for existing customer only; non customers will receive a rate of .25% less than the rate listed.
Offer: Compounded daily, paid quarterly. Early withdrawal penalty may apply. Stated CD rate is for existing customer only; non customers receive .25% less.
3.20% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - Texas Trust Credit UnionTerm Share CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Membership eligibility required. Must maintain a primary share account with a $5 balance. Deposits are not permitted during term of certificate.
3.20% interest rate · Effective Oct 5, 2026
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More details - Community Savings BankFive-In-One CertificateCD · 60 months · $2,500 min
Bank · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000with conditionsRequirements
Product: Available only to customers who maintain $1,000.00 on deposit in a NOW Checking or Savings account. One-year term with automatic and guaranteed renewals for up to five years; each renewal pays a guaranteed higher rate with a bonus rate in the fifth year. Interest transferred monthly to a NOW Checking or Savings account; no compounding; interest accrues from day of deposit to day of withdrawal; no deposits after opening; penalty-free withdrawal on any annual maturity date.
Offer: Optional renewal - 3rd year of the five-year Five-In-One schedule. Requires $1,000 in a NOW Checking or Savings account. APY accurate as of October 17, 2026.
Qualified rate · 3.25% interest rate · Effective Oct 17, 2026
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More details - Cornerstone Community Federal Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Minimum balance to open certificate and earn APY is $500. Early withdrawal penalties apply. Fees may reduce earnings. For terms of 2 years or more under Unlock with the Rock, the early withdrawal penalty is the smaller of dividends since issuance/renewal or 30 days dividends.
Offer: 5 year certificate term under Unlock with the Rock. Early withdrawal penalty is smaller of dividends since issuance/renewal or 30 days dividends.
3.20% interest rate · Effective Oct 14, 2026
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More details - Monterra Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000with conditionsRequirements
Product: Membership eligibility required: live, work, worship, or attend school in San Mateo, Alameda, Contra Costa, Santa Clara, or San Francisco County, or partner organization/family member. $1,000 minimum opening balance. Early withdrawal penalty applies. Dividends compounded and credited monthly. Rate fixed for stated term.
Offer: Requires Active Checking (checking account with at least 1 direct deposit or ACH deposit during monthly statement cycle, held by primary account owner, open and in good standing). Fixed for stated term. Dividends compounded and credited monthly. Early withdrawal penalty applies.
Qualified rate · 3.20% interest rate · Effective Oct 23, 2026
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More details - CACL Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Minimum deposit required to open an account $500.00 to earn stated APY. Fixed dividend rate and APY for the term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal of principal. Requires $5 deposit into a Membership Savings Account.
3.20% interest rate · Effective Oct 21, 2026
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More details - Valley 1st Community FCURegular Share CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Dividends on certificates are credited monthly to either the members Share Account or to the Certificate Account. New certificates are adjusted weekly. Rates are subject to change without notification.
3.25% interest rate · Effective Oct 19, 2026
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More details - Timberland Federal Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Certificate Loyalty Reward: up to 0.25% APY increase for membership tenure of 5 years with checking account and direct deposit of $500+ (maximum interest increase: 0.25%). Non-member deposits must be approved by Executive management and are subject to a 0.25% APY decrease.
Offer: Dividends paid quarterly.
3.21% interest rate · Effective Oct 19, 2026
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More details - New Directions Community Credit UnionShare CertificateCD · 60 months · $500 min
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000intro rateRequirements
Product: Membership eligibility required. Early withdrawal penalties apply. Fixed dividend rate and APY for the initial term. Dividends assumed to remain on deposit until maturity.
Promotional rate · 3.20% interest rate · Effective Oct 20, 2026
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More details - United Catholics Federal CUTerm CertificatesCD · 60 months · $1,000 min · 3.25%–3.71% by balance
Credit union · Add a location to see nearby branches
3.25%APY$1,734 over 60 months on $10,000Requirements
Product: Rate of return tiered based on balance. Flexible terms up to 60 months. No monthly or yearly maintenance fees. Early withdrawal penalties may apply.
Offer: Fixed rate 60 months.
3.20% interest rate · Effective Oct 23, 2026
Rate by balance
Rate by balance for Term Certificates Balance APY $1,000 and upYour amount 3.25% $25,000 and up 3.40% $50,000 and up 3.61% $100,000 and up 3.71% 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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank