5.15% 60-Month / 5.00% 36-Month CD at a Pennsylvania CU (Freedom).

Freedom Credit Union has some competitive long term certificate rates. These include a 5.15% APY 60-month CD, 5.05% APY 48-month CD and a 5.00% APY 36-month CD. The minimum deposit is $500. These rates are also available in an IRA.

These are not the best long term CD rates, but they're competitive especially considering the minimum deposit. The best rates available nationally for these terms are up to 5.38% APY as of last Saturday.

Membership is open to anyone who lives, works, worships, or attends school in the five county Southeastern Pennsylvania area which includes the following counties: Bucks, Chester, Delaware, Montgomery, and Philadelphia. Please see their About page for more details. Membership requires a minimum $5 deposit into the Primary Savings Account.

Branches are located in Philadelphia, Lansdale and Warminster. The credit union is federally insured by the NCUA (Charter # 60275). It has $333.1 million in assets and 50,438 members.