CD Rates 5-Years

Competition among banks and credit unions for certificate of deposit (CDs) accounts is fierce, giving us a variety of choices. Financial institutions are battling it out for deposits, so they offer a variety of CD maturities at very competitive yields. We have compiled the best 5-year rates here for you to check out.

Bank CD Months Rates Min $ Max $
The Federal Savings Bank
5 Year CD - New Money
1.35%$500-
Abound Credit Union
59 Month CD
1.35%$500-
Lafayette FCU
5 Year Fixed CD
1.26%$500-
PenFed Credit Union
5 Year Money Market Certificate
1.25%$1k-
Affinity Plus FCU
60 Month CD
1.25%$500-
Teachers FCU
60 Month CD
1.25%$1k-
Interior FCU
60 Month Share Certificate
1.22%$500-
First National Bank of America
60 Month CD
1.20%$1k-
Hiway Credit Union
60 Month CD
1.15%*$25k-
Wheelhouse Credit Union
60 Month Certificate
1.15%*$10k-
First Technology FCU
60 Month CD
1.15%$500-
Quontic Bank
5 Year CD
1.11%$500-
State Bank of India
5 Year Senior Citizen CD
1.11%$25k-
State Bank of India (IL)
Senior Citizens 60 Month CD
1.11%$2.5k-
California Coast Credit Union
60 Month CD
1.10%*$10k-
Zeal Credit Union
60 Month CD
1.10%*$25k-
Puerto Rico FCU
5 Year Share Certificate
1.10%$1k-
Financial Partners Credit Union
60 Month CD
1.10%$1k-
AgFed Credit Union
60 Month Certificate
1.10%$250-
MapleMark Bank
60 Month Ladder CD
1.10%$25k-
Alabama Credit Union
60 Month CD
1.06%$500-
Connexus Credit Union
60 Month Certificate
1.06%$5k-
Evansville Teachers FCU
5 Year CD
1.05%$1k-
Susquehanna Community Bank
5 Year CD
1.05%$500$100k
Wings Financial Credit Union
5 Year Certificate
1.01%*$10k-
Ideal Credit Union
60 Month CD
1.00%*$25k-
UNIFY Financial Credit Union
60 Month Share Certificate
1.00%*$1k-
Kinecta FCU
5 Year CD
1.00%*$1k-
Blue FCU
60 Month CD
1.00%*$1k-
Hanscom FCU
60 Month CD
1.00%$1k-
SRP FCU
60 Month CD
1.00%$500-
Xceed Financial FCU
60 Month CD
1.00%$500-
State Department FCU
60 Month Certificate
1.00%$500-
United Educators Credit Union
60 Month FlexRate CD
1.00%$500-
Technology Credit Union
60 Month Flextime CD
1.00%$1k-
Fort Bragg FCU
60 Month Jumbo Step Up Term Share Certificate
1.00%$25k-
American Heritage FCU
60 Month Share Certificate
1.00%$1k-
NASA FCU
60 Month Share Certificate
1.00%$1k-
Langley FCU
60 Month Variable Rate Certificate Special
1.00%$1k$250k
Third Federal Savings and Loan (OH)
55 Month CD Special
1.00%$500-
Popular Direct
5 Year Popular Direct CD
1.00%$10k-
Genisys Credit Union
5 Year Share Certificate
1.00%$500-
Sun East FCU
65 Month CD Special
1.00%$50-
Ivy Bank
5 Year CD
1.00%$1k-
Michigan State University FCU
5 Year CD
1.00%$500-
CFG Bank
60 Month CD
1.00%$500$250k
First Internet Bank
60 Month CD
0.95%$1k-
Oklahoma Central Credit Union
60 Month CD
0.95%$1k-
Communitywide FCU
60 Month Share Certificate
0.95%$1k-
Capital Educators FCU
60 Month Share Certificate
0.90%*$10k-
Greenwood Credit Union
60 Month CD
0.90%$1k-
Northrop Grumman FCU
60 Month Term CD
0.89%$2.5k-
NuVision FCU
5 Year CD
0.85%*$25k-
SunWest
60 Month CD
0.85%*$500-
TIAA Bank
5 Year CD
0.85%$1k-
Comenity Direct
5-Year CD
0.85%$1.5k$10m
Lake Michigan Credit Union
60 Month CD
0.85%$500-
Synchrony Bank
60 Month CD
0.85%$2k-
Xcel FCU
60 Month CD
0.85%$500-
USALLIANCE Financial
60 Month Certificate
0.85%$500-
Service Credit Union
60 Month Share Certificate
0.85%$500-
MTC FCU
60 Month Share Plus CD
0.85%$10k-
Parda FCU
5 Years Senior Plus CD
0.85%$500-
Chartway FCU
60-71 Month Share Certificate
0.85%--
Signature FCU
5 Year Share Certificate
0.80%*$500-
Achieva Credit Union
60 Month CD
0.80%*$500-
Ally Bank
5 Year High Yield CD
0.80%--
Dow Chemical Employees' Credit Union
60 Month Bump Rate CD
0.80%$500-
Hyperion Bank
60 Month CD
0.80%$500-
Matadors Community Credit Union
60 Month CD
0.80%$1k-
Pen Air FCU
60 Month CD
0.80%$500-
Pennsylvania State Employees Credit Union
60 Month CD
0.80%$500-
Capital One
60 Month 360 CD
0.80%--
Marcus by Goldman Sachs
High-yield 5 Year CD
0.80%$500$1m
Discover Bank
5 Year CD
0.80%$2.5k-
People's Trust FCU
60 Month CD
0.77%*$25k-
Cadets FCU
5 Year Share Certificate
0.75%*$25k$250k
Premier America Credit Union
60 Month CD
0.75%*$25k-
Workers Credit Union
60 Month CD
0.75%*$25k-
Garden Savings FCU
5 Year Share Certificate
0.75%$500-
Velocity Credit Union
5 Year Share Certificate
0.75%$1k-
Colorado Federal Savings Bank
60 Month CD
0.75%$5k-
Home Savings Bank
60 Month CD
0.75%$5k-
IncredibleBank
60 Month CD
0.75%$1k-
NexBank
60 Month CD
0.75%$10k$240k
Prime Alliance Bank
60 Month CD
0.75%$500-
RTN FCU
60 Month CD
0.75%$1k-
TAB Bank
60 Month CD
0.75%$1k-
American 1 Credit Union
5 Year CD
0.75%$500-
Salem Five
60 Month CD Special
0.75%$10k-
US Bank
59 Month CD Special
0.75%$1k$250k
Grow Financial FCU
60 Month Share Certificate
0.70%*$500-
AFFCU
5 Year Share Certificate
0.70%*$1k-
Chevron FCU
60 Month CD
0.70%*$500-
Spectrum Credit Union
60 Month CD
0.70%*$500-
Consumers Credit Union (IL)
5 Year CD
0.70%$250$100k
Elements Financial
5 Year CD
0.70%$1k$250k
Live Oak Bank
5 Year CD
0.70%$2.5k$250k
U S Postal Service FCU
5 Year CD
0.70%$250-
Financial Resources FCU
60 Month CD
0.70%$500-

Tips on choosing the right CD

First, decide on what CD term you need. If have the cash and don’t mind having it locked up for a few years, consider a 5-year CD. They tend to have the highest rates. If you don’t want your money to be out of sight for that long, consider a 3- or 4-year CD instead.

Once you determine which CD term suits your need, it is easy to just pick the account with the highest rate. But you need to check a CD’s minimum deposit before deciding. CD minimum deposits vary, with certain online banks not requiring any amount, while other institutions require $25,000 or even as much as $100,000. Some may require a low opening deposit in but in turn require an even higher balance to earn their highest rate.

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