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.

If you want to see the highest APY for other account types, see our other comparison charts here.

Bank CD Months Rates Min $ Max $
Wings Financial Credit Union
5 Year Certificate
1.26%*$10k-
Lafayette FCU
5 Year Fixed CD
1.26%$500-
PenFed Credit Union
5 Year Money Market Certificate
1.25%$1k-
Genisys Credit Union
5 Year Share Certificate
1.25%$500-
Affinity Plus FCU
60 Month CD
1.25%$500-
Teachers FCU
60 Month CD
1.25%$1k-
American Heritage FCU
60 Month Share Certificate
1.25%$1k-
Abound Credit Union
59 Month CD
1.25%$500-
Interior FCU
60 Month Share Certificate
1.22%$500-
Connexus Credit Union
60 Month Certificate
1.21%$5k-
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-
Michigan State University FCU
5 Year CD
1.15%$500-
First Technology FCU
60 Month CD
1.15%$500-
AgFed Credit Union
60 Month Certificate
1.15%$250-
State Bank of India (IL)
Senior Citizens 60 Month CD
1.11%$2.5k-
Quontic Bank
5 Year CD
1.11%$500-
State Bank of India
5 Year Senior Citizen CD
1.11%$25k-
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-
Bellco Credit Union
60 Month CD
1.10%$500-
Financial Partners Credit Union
60 Month CD
1.10%$1k-
Latino Credit Union
60 Month CD
1.10%$500-
State Department FCU
60 Month Certificate
1.10%$500-
MapleMark Bank
60 Month Ladder CD
1.10%$25k-
Alabama Credit Union
60 Month CD
1.06%$500-
Evansville Teachers FCU
5 Year CD
1.05%$1k-
Susquehanna Community Bank
5 Year CD
1.05%$500$100k
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-
Ideal Credit Union
60 Month CD
1.00%*$25k-
SRP FCU
60 Month CD
1.00%$500-
Synchrony Bank
60 Month CD
1.00%$2k-
Technology Credit Union
60 Month Flextime CD
1.00%$1k-
Fort Bragg FCU
60 Month Jumbo Step Up Term Share Certificate
1.00%$25k-
Discover Bank
5 Year CD
1.00%$2.5k-
NASA FCU
60 Month Share Certificate
1.00%$1k-
Ivy Bank
5 Year CD
1.00%$1k-
Marcus by Goldman Sachs
High-yield 5 Year CD
1.00%$500$1m
Langley FCU
60 Month Variable Rate Certificate Special
1.00%$1k$250k
EmigrantDirect.com
60 - 120 Month CD
1.00%$1k-
MySavingsDirect
60 - 120 Month My Term CD
1.00%$1k-
Popular Direct
5 Year Popular Direct CD
1.00%$10k-
Capital One
60 Month 360 CD
1.00%--
CFG Bank
60 Month CD
1.00%$500$250k
DollarSavingsDirect
60 Month CD
1.00%$1k-
Hanscom FCU
60 Month CD
1.00%$1k-
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-
MTC FCU
60 Month Share Plus CD
0.95%$10k-
Colorado Federal Savings Bank
60 Month CD
0.92%$5k-
Capital Educators FCU
60 Month Share Certificate
0.90%*$10k-
Greenwood Credit Union
60 Month CD
0.90%$1k-
Sun East FCU
60 Month CD
0.90%$500-
NuVision FCU
5 Year CD
0.85%*$25k-
SunWest
60 Month CD
0.85%*$500-
Service Credit Union
60 Month Share Certificate
0.85%$500-
Northrop Grumman FCU
60 Month Term CD
0.85%$2.5k-
Parda FCU
5 Years Senior Plus CD
0.85%$500-
Chartway FCU
60-71 Month Share Certificate
0.85%--
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-
Pen Air FCU
60 Month CD
0.85%$500-
Xcel FCU
60 Month CD
0.85%$500-
USALLIANCE Financial
60 Month Certificate
0.85%$500-
AFFCU
5 Year Share Certificate
0.80%*$1k-
Signature FCU
5 Year Share Certificate
0.80%*$500-
Chevron FCU
60 Month CD
0.80%*$500-
Spectrum Credit Union
60 Month CD
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-
Matadors Community Credit Union
60 Month CD
0.80%$1k-
Pennsylvania State Employees Credit Union
60 Month CD
0.80%$500-
Sallie Mae Bank
60 Month CD
0.80%$2.5k-
Alliant Credit Union
60 Month Jumbo Share CD
0.80%$25k-
Barclays
60 Month Online CD
0.80%--
Third Federal Savings and Loan (OH)
55 Month CD Special
0.80%$500-
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-
Salem Five
60 Month CD Special
0.75%$10k-
US Bank
59 Month CD Special
0.75%$1k$250k
RTN FCU
60 Month CD
0.75%$1k-
TAB Bank
60 Month CD
0.75%$1k-
Garden Savings FCU
5 Year Share Certificate
0.75%$500-
Velocity Credit Union
5 Year Share Certificate
0.75%$1k-
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-
American 1 Credit Union
5 Year CD
0.75%$500-
Grow Financial FCU
60 Month Share Certificate
0.70%*$500-
Consumers Credit Union (IL)
5 Year CD
0.70%$250$100k

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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