Big Thompson Federal Credit union has some competitive long-term CD and IRA CDs as of 12/05/2010:
- 3.04% APY 5-year
- 2.50% APY 4-year
- 2.00% APY 3-year
Minimum deposit is $500, and the early withdrawal penalty is 120 days of interest.
Unfortunately, it has a narrow field of membership
It's located in Loveland, Colorado.