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You are here: Home / Banking / Compare the Best 5-Year CD Rates

Compare the Best 5-Year CD Rates

January 30, 2023 by Rob Berger

Compare 5-year CD rates: We track the highest paying, nationally available 5-year CDs from federally insured banks and credit unions. Below we list the 60-month CDs in our database, ordered from highest APY to lowest.

Note that you may be able to find better rates with alternative account types. For example, online savings accounts or no-penalty CDs may offer higher yields.

Featured Offer: FVCbank 12-Month No Penalty CD

Open an Account
  • 12-Month No-Penalty CD
  • APY: 4.60%
  • Min. Deposit: $1
  • No early withdrawal penalty
  • FDIC Insured

5-Year Certificate of Deposit Rates

79 Results

Fidelity
5-year New Issue CD
APY
5.10%
Min
$100
Max
-

General Electric Credit Union
5 Year CD
APY
4.75%
Min
-
Max
-

Crescent Bank
60-month CD
APY
4.50%
Min
$1,000
Max
-

BMO Harris Bank
60-month Standard CD*
APY
4.50%
Min
$1,000
Max
-

CFG Bank
60 Month CD
APY
4.50%
Min
$500
Max
$250k

First Internet Bank
60-months High Yield CD
APY
4.49%
Min
$1,000
Max
-

Popular Direct
60-month CD
APY
4.45%
Min
$10,000
Max
-

Alliant Credit Union
60-month CD
APY
4.35%
Min
$1,000
Max
-

United States Senate Federal Credit Union
60-months Plus Jumbo Business CD
APY
4.34%
Min
$200,000
Max
-

United States Senate Federal Credit Union
60-months Jumbo CD
APY
4.34%
Min
$200,000
Max
-

Quontic Bank
5-Year CD
APY
4.30%
Min
$500
Max
-

Synchrony Bank
60-month CD
APY
4.30%
Min
$1
Max
-

General Electric Credit Union
5 Year Bump CD
APY
4.30%
Min
-
Max
-

La Capitol Federal Credit Union
5-Year Super Saver Share Certificate
APY
4.30%
Min
$100,000
Max
-

United States Senate Federal Credit Union
60-months Jumbo Business CD
APY
4.29%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union
60-months Jumbo CD
APY
4.29%
Min
$100,000
Max
-

Bread Bank
5-Year CD
APY
4.25%
Min
$1,500
Max
$1,000k

Ally Bank
5-Year High Yield CD
APY
4.25%
Min
$1
Max
-

United States Senate Federal Credit Union
60-months Business CD
APY
4.24%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union
60-months Plus Jumbo Bump Rate CD
APY
4.24%
Min
$200,000
Max
-

United States Senate Federal Credit Union
60-months CD
APY
4.24%
Min
$1,000
Max
$100k

La Capitol Federal Credit Union
5-Year Mega Saver Share Certificate with One-time Bump
APY
4.20%
Min
$100,000
Max
-

United States Senate Federal Credit Union
60-months Jumbo Bump Rate CD
APY
4.18%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union
60-months Bump Rate CD
APY
4.13%
Min
$1,000
Max
$100k

Capital One Bank
360 60-months CD
APY
4.10%
Min
$1
Max
-

La Capitol Federal Credit Union
5-Year Thrifty Saver Share Certificate
APY
4.10%
Min
$500
Max
-

Discover Bank
5-Year High Yield CD
APY
4.10%
Min
$2,500
Max
-

Discover Bank
5-year IRA CD
APY
4.10%
Min
$2,500
Max
-

NexBank
60-month Standard CD
APY
4.00%
Min
$10,000
Max
$25k

TAB Bank
60-month CD
APY
4.00%
Min
$1,000
Max
-

TAB Bank
60-month Business CD
APY
4.00%
Min
$1,000
Max
-

Chevron Federal Credit Union
60-months Share Certificate
APY
3.95%
Min
$250,000
Max
-

Colorado Federal Savings Bank
60-month CD
APY
3.95%
Min
$5,000
Max
-

UmbrellaBank
60-month CD
APY
3.95%
Min
$10,000
Max
-

Spectrum Credit Union
60-months Share Certificate
APY
3.95%
Min
$250,000
Max
-

Chevron Federal Credit Union
60-months Share Certificate
APY
3.90%
Min
$100,000
Max
-

Spectrum Credit Union
60-months Share Certificate
APY
3.90%
Min
$100,000
Max
-

Chevron Federal Credit Union
60-months Share Certificate
APY
3.85%
Min
$500
Max
-

Chevron Federal Credit Union
60-months Share Certificate
APY
3.85%
Min
$50,000
Max
-

Spectrum Credit Union
60-months Share Certificate
APY
3.85%
Min
$500
Max
-

Spectrum Credit Union
60-months Share Certificate
APY
3.85%
Min
$50,000
Max
-

TIAA Bank
5-Year Basic CD
APY
3.85%
Min
$1,000
Max
-

Marcus by Goldman Sachs
5-Year CD
APY
3.80%
Min
$500
Max
$1,000k

Fort Bragg Federal Credit Union
60-months Step-Up+ Jumbo Share Certificate
APY
3.60%
Min
$25,000
Max
-

Fort Bragg Federal Credit Union
60-months Share Certificate
APY
3.55%
Min
$500
Max
-

Fort Bragg Federal Credit Union
60-months Step-Up+ Share Certificate
APY
3.55%
Min
$5,000
Max
-

Bank Financial
5-Year CD
APY
3.50%
Min
$1,000
Max
-

Bank Financial
5-Year Business CD
APY
3.50%
Min
$1,000
Max
-

Teachers Federal Credit Union
60-month CD
APY
3.50%
Min
$1,000
Max
$100k

Luana Savings Bank
5 Year Jumbo CD
APY
3.48%
Min
$100,000
Max
-

USALLIANCE Financial
60-month CD
APY
3.40%
Min
$500
Max
-

Luana Savings Bank
5 Year CD
APY
3.38%
Min
$2,000
Max
$100k

American Express Bank
60-Month CD
APY
3.25%
Min
$1
Max
-

Ponce Bank
60-month High Yield CD
APY
3.25%
Min
$1,000
Max
-

United Texas Bank
60-month CD
APY
3.05%
Min
$1,000
Max
-

United Texas Bank
60-month Business CD
APY
3.05%
Min
$1,000
Max
-

Liberty Federal Credit Union
5-Year CD
APY
3.00%
Min
$1,000
Max
-

Credit Union of the Rockies
60-month CD
APY
3.00%
Min
$500
Max
-

Credit Union of the Rockies
60-month Baby-Jumbo CD
APY
3.00%
Min
$50,000
Max
-

XCEL Federal Credit Union
60-months CD
APY
2.75%
Min
$500
Max
-

Ivy Bank
5-Year CD
APY
2.60%
Min
$1,000
Max
$1,000k

American Bank
60-month CD
APY
2.50%
Min
$500
Max
-

American Bank
60-month Business CD
APY
2.50%
Min
$500
Max
-

TIAA Bank
5-Year Business CD
APY
2.50%
Min
$1,500
Max
-

Zeal Credit Union
60-months Jumbo CD
APY
2.40%
Min
$100,000
Max
-

Zeal Credit Union
60-months CD
APY
2.30%
Min
$25,000
Max
$100k

Zeal Credit Union
60-months CD
APY
2.20%
Min
$1,000
Max
$25k

Citibank
5-Year Fixed Rate CD
APY
2.00%
Min
$500
Max
-

Live Oak Bank
5-Year CD
APY
2.00%
Min
$2,500
Max
$250k

Live Oak Bank
5-Year Business CD
APY
2.00%
Min
$2,500
Max
$250k

Affinity Plus Federal Credit Union
60-month CD
APY
1.75%
Min
$500
Max
-

State Exchange Bank
60-month High Yield CD via SaveBetter
APY
1.71%
Min
$1
Max
-

American First Credit Union
60-month CD
APY
1.50%
Min
$1,000
Max
-

Continental Bank
5-Year High Yield CD
APY
1.40%
Min
$25,000
Max
-

ConnectOne Bank
60-month CD
APY
0.50%
Min
$500
Max
-

CIT Bank
5-Year Term CD
APY
0.50%
Min
$1,000
Max
-

CIT Bank
5-Year Jumbo CD
APY
0.50%
Min
$100,000
Max
-

BrioDirect
60-month High Yield CD
APY
0.45%
Min
$500
Max
-

Nationwide by Axos Bank
60-month CD
APY
0.20%
Min
$500
Max
-

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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Featured High Yield Bank Accounts

12-month CD via SaveBetter
APY: 5.01%

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APY: 5.15%
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APY: 4.60%

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APY: 5.02%

 

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Rate Disclosure

We work hard to make sure the information on this site is accurate. There is no guarantee, however, that it is. So please confirm rates, terms, and all other information directly with the bank, credit union, credit card issuer, or other financial institution before opening an account or otherwise making a financial decision.

About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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