5 Year CD Rates in Kentucky
Compare 5 year certificate of deposit rates in Kentucky. Rates on CD products can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of five year CD rates available in Kentucky. If we have missed a local bank in your area please contact us and let us know by using the email link below
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Start SavingAlly Bank High Yield 5 Year CDAPY 1.69% Min N/A Max N/A Earnings Est. $2,185
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 60 Month CDAPY 1.10% Min N/A Max N/A Earnings Est. $1,410
Sponsored Note: 
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 60 Month CDAPY 1.10% Min N/A Max N/A Earnings Est. $1,410Sponsored Note: 
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| East Ky Employees Credit Union | 2.50% | $500 | - | $3,295 | 60 Month CD | |
| Semc Credit Union | 2.50% | $1k | - | $3,295 | 60 Month CD | |
| American Airlines Credit Union | 2.27% | $10k | - | $2,969 | 60 Month CD | |
| Wings Financial Credit Union | 2.22% | $500 | - | $2,901 | 5 Year Dividend Paid Monthly Share Certificate | |
| Springfield State Bank | 2.21% | $500 | - | $2,887 | 5 Year CD | |
| Melrose Credit Union | 2.17% | $5k | - | $2,833 | 5 Year Share Certificate | |
| Air Force Federal Credit Union | 2.15%* | $2,500 | - | $2,806 | 5 Year CD | |
| Kemba Louisville Credit Union | 2.15% | $500 | - | $2,814 | 60 Month CD | |
| United States Senate Credit Union | 2.12%* | $20k | $100k | $2,773 | 60 Month Smart CD | |
| Justice Federal Credit Union | 2.10%* | $500 | - | $2,738 | 60 Month CD | |
| The Cecilian Bank | 2.10% | $1k | - | $2,738 | 5 Year Fixed CD | |
| Leitchfield Deposit Bank & Trust Company | 2.10% | $2,500 | - | $2,745 | 60 Month CD | |
| Fort Campbell Credit Union | 2.05% | $1k | - | $2,677 | 60 Month Share Certificate | |
| The Peoples Bank of Bullitt County | 2.01% | $1k | - | $2,623 | 60 Month CD | |
| Connexus Credit Union | 2.00% | $10k | - | $2,610 | 60 Month Certificate With Active Checking | |
| Pentagon Federal Credit Union | 2.00% | $1k | - | $2,602 | 5 Year Money Market Cerificate | |
| Christian Community Credit Union | 2.00%* | $10k | - | $2,610 | 60 Month Share Certificate | |
| Kentucky Telco Federal Credit Union | 2.00% | $500 | - | $2,610 | 60 Month Share Certificate Account | |
| RiverLand Credit Union | 2.00% | $1k | - | $2,602 | 60 Month Certificate | |
| Citizens First Bank, Inc. | 2.00% | $500 | - | $2,610 | 60 Month CD | |
| Beacon Community Credit Union | 2.00% | $500 | - | $2,602 | 60 Month Share Certificate | |
| The Lincoln National Bank of Hodgenville | 2.00% | $500 | - | $2,610 | 60 Month CD | |
| Fort Knox Federal Credit Union | 2.00% | $500 | - | $2,563 | 59 Month CD | |
| Navy Federal Credit Union | 2.00%* | $20k | - | $2,602 | 5 Year CD | |
| Agriculture Federal Credit Union | 1.95% | $1k | - | $2,542 | 60 Month Share Certificate | |
| Andrews Federal Credit Union | 1.91% | $1k | - | $2,480 | 60 Month CD | |
| Winchester Federal Bank | 1.91% | $500 | - | $2,480 | 5 Year CD | |
| Jefferson County Federal Credit Union | 1.90% | $500 | - | $2,474 | 60 Month Share Certificate | |
| Park Community Federal Credit Union | 1.90% | $500 | - | $2,467 | 60 Month Share Certificate | |
| C-Plant Credit Union | 1.87% | $500 | - | $2,427 | 60 Month Share Certificate | |
| Digital Credit Union | 1.86% | $25k | - | $2,420 | Jumbo 60 Month Certificate - Relationship Rate | |
| Home Savings Bank, FSB | 1.86% | $500 | - | $2,420 | 60 Month CD | |
| Hanscom Credit Union | 1.85% | $1k | - | $2,400 | 60 Month CD | |
| L & N Credit Union | 1.85% | $1k | - | $2,400 | 5 Year Share Certificate | |
| Members Heritage Credit Union | 1.82% | $500 | - | $2,359 | 5 Year CD | |
| Members Choice CU (KY) | 1.82% | - | - | $2,366 | 60 Month Share CD | |
| Geauga Savings Bank | 1.80% | $1k | - | $2,339 | 60 Month CD | |
| Heritage Bank | 1.80% | $25k | - | $2,339 | 60 Month CD | |
| Jacksonville Bank | 1.80% | $1k | - | $2,339 | 60 Month CD | |
| Firstmark Credit Union | 1.80% | $500 | - | $2,332 | 5 Year Regular CD | |
| Greater Kentucky Cu, Inc. | 1.80% | $1k | - | $2,332 | 5 Year Certificate | |
| Barclays | 1.80% | - | - | $2,339 | 60 Month Online CD | |
| Goldwater Bank | 1.79% | $5k | - | $2,319 | 5 Year CD | |
| Intervest National Bank | 1.77% | $2,500 | - | $2,292 | 5 Year CD | |
| Self-Help Credit Union | 1.77% | $500 | - | $2,299 | 60 Month CD | |
| State Bank of India | 1.76%† | - | - | $2,279 | 5 Year CD | |
| Northwest Federal Credit Union | 1.76%* | $25k | - | $2,279 | 5 Year CD | |
| Desco Credit Union | 1.76% | $500 | $25k | $2,285 | 60 Month Share Certificate | |
| United Citizens Bank of Southern Kentucky | 1.76% | $500 | - | $2,285 | 60 Month CD | |
| Hudson City Savings Bank | 1.75%† | $500 | - | $2,265 | 5 Year CD | |
| Third Federal | 1.75%† | $500 | - | $2,272 | 60 Month CD | |
| US Bank N.A. | 1.75% | $1k | $250k | $2,232 | 59 Month CD Special | |
| American Bank & Trust Company, Inc. | 1.75% | $1k | - | $2,265 | 60 Month CD | |
| First National Bank (LA) | 1.75% | - | - | $2,265 | 60 Month CD | |
| Easthampton Savings Bank | 1.75% | $1k | - | $2,265 | 60 Month CD | |
| Affinity Credit Union | 1.75% | $500 | - | $2,272 | 60 Month Certificate | |
| Mcgraw Hill Credit Union | 1.75% | $10k | - | $2,272 | 60 Month CD | |
| AmTrustDirect | 1.75% | - | - | $2,272 | 60 Month CD | |
| NASA Federal Credit Union | 1.75% | $1k | - | $2,074 | 55 Month CD | |
| Community Financial Svcs Bank | 1.72%* | $1k | - | $2,232 | 60 Month CD | |
| Garden Savings Federal Credit Union | 1.71% | $500 | - | $2,212 | 5 Year Share Certificate | |
| Bluegrass Community Bank | 1.71% | $500 | - | $2,218 | 60 Month CD | |
| First Internet Bank of IN | 1.70% | $1k | - | $2,205 | 60 Month CD | |
| Lake Michigan Credit Union | 1.70% | $500 | - | $2,198 | 60 Month VIP CD | |
| The Murray Bank | 1.70% | $500 | - | $2,198 | 60 Month CD | |
| RTN Federal Credit Union | 1.70%* | $1k | - | $2,198 | 60 Month CD | |
| Stillwater National Bank | 1.70%*† | $10k | - | $2,198 | 60 Month CD | |
| Cinfed Credit Union | 1.70% | $500 | - | $2,205 | 60 Month Share Certificate | |
| University Of Kentucky Credit Union | 1.70% | $1k | - | $2,198 | 5 Year CD | |
| Service One Credit Union | 1.70% | $500 | - | $2,198 | 5 Year High Yield Top-of-the-Class CD | |
| First New England Federal Credit Union | 1.70% | $1k | - | $2,205 | 60 Month CD - Relationship | |
| Ally Bank | 1.69% | - | - | $2,185 | High Yield 5 Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| USAA Bank | 1.66% | $1k | $95k | $2,145 | 5 Year CD - Standard | |
| Metro Employees Credit Union | 1.66% | $500 | - | $2,145 | 5 Year CD | |
| Delta Community Credit Union | 1.65% | $5k | - | $2,138 | 60 Month CD | |
| EverBank | 1.65% | $1,500 | - | $2,132 | 5 Year Yield Pledge CD | |
| FNBO Direct | 1.65% | $500 | $1m | $2,138 | 60 Month CD | |
| OneWest Bank | 1.65% | $1k | - | $2,132 | 5 Year Online CD | |
| Salem Five | 1.65% | $25k | - | $2,132 | 5 Year Callable CD - 12 Month Lock | |
| Colorado Federal Savings Bank | 1.65% | $5k | - | $2,132 | 5 Year CD | |
| Bank of Lexington, Inc. | 1.65% | $500 | - | $2,138 | 60 - 84 Month CD | |
| Broadway Federal Bank | 1.61% | $500 | - | $2,084 | 60 Month Manager's Special CD | |
| AIG Bank | 1.60% | - | - | $2,071 | 60 Month CD | |
| Air Academy Federal Credit Union | 1.60% | $10k | - | $2,071 | 60 Month CD | |
| American Bank | 1.60% | $500 | - | $2,071 | 60 Month CD | |
| Bank of Internet USA | 1.60% | $1k | - | $2,071 | 60 Month CD | |
| University Federal Credit Union | 1.60% | - | - | $2,071 | 60 Month Web CD | |
| Dime Savings Bank | 1.60% | $500 | - | $2,065 | 5 Year CD | |
| E-LOAN.com | 1.60% | $10k | - | $2,065 | 5 Year CD | |
| Nationwide Bank | 1.60%* | - | - | $2,071 | 60 Month CD | |
| First Federal Savings Bank of Elizabethtown | 1.60% | $500 | - | $2,065 | 5 Year CD | |
| Advantage Bank (OH) | 1.60%† | $500 | - | $2,071 | 60 Month CD | |
| The First National Bank of Manchester | 1.60% | $500 | $100k | $2,071 | 60 Month CD | |
| Rural Cooperatives Credit Union | 1.60% | $1k | - | $2,065 | 5 Year CD | |
| Ascencia Bank | 1.56% | $500 | $97k | $2,012 | 5 Year CD | |
| Urban Partnership Bank | 1.56% | $1k | $100k | $2,018 | 60 Month CD | |
| Giantbank.com | 1.55% | $2,500 | - | $2,004 | 60 Month Giant Personal CD | |
| MidWest America Federal Credit Union | 1.55% | $10k | - | $2,004 | 60 Month CD | |
| Patriot Bank | 1.55% | $1k | - | $2,004 | 60 Month CD | |
| Lockheed Federal Credit Union | 1.55% | $1k | - | $2,004 | 60 Month CD | |
| Quantum National Bank | 1.55% | $1k | - | $2,004 | 60 Month Relationship CD | |
| West Texas National Bank | 1.51% | $1k | - | $1,945 | 5 Year CD | |
| Velocity Credit Union | 1.51% | $1k | - | $1,945 | 5 Year Inflation Fighter Share Certificate | |
| S-Bank | 1.51% | $1k | - | $1,945 | 60 Month Statement Term Certificates | |
| First Farmers Bank and Trust Company | 1.51% | $1k | - | $1,945 | 60 Month CD | |
| Reelfoot Bank | 1.51% | $1k | - | $1,951 | 60 Month CD | |
| The Citizens Bank (KY) | 1.51% | $500 | - | $1,951 | 60 Month CD | |
| Kue Credit Union | 1.51% | $1k | - | $1,945 | 5 Year Step-Up CD | |
| Virtual Bank | 1.51% | $10k | - | $1,945 | 5 Year eCD | |
| Apple Federal Credit Union | 1.50% | $500 | - | $1,938 | 60 Month Share Certificate | |
| Union Bank of California | 1.50%† | $350 | $100k | $1,938 | 60 Month CD | |
| Presidential Online Bank | 1.50% | $1k | - | $1,932 | 5 Year CD | |
| H&R Block Bank | 1.50% | $250 | - | $1,938 | 60 Month CD | |
| Patelco Credit Union | 1.50% | $1k | - | $1,932 | 60 Month CD | |
| MetLife Bank | 1.50% | $2k | - | $1,938 | 60 Month CD | |
| Western Federal Credit Union | 1.50%* | $1k | - | $1,932 | 60 Month Share Certificate | |
| Sallie Mae Bank | 1.50% | - | - | $1,932 | 60-Month CD | |
| Webster Bank | 1.50% | $1k | - | $1,932 | 5 Year CD | |
| Kaiser Federal Bank | 1.50% | $1k | - | $1,932 | 5 Year CD | |
| KeySource Commercial Bank | 1.50% | $100 | - | $1,932 | 60 Month CD | |
| SunTrust Bank | 1.50%† | $2k | $1m | $1,904 | 59 Month CD | |
| Armed Forces Bank, National Association | 1.50% | $500 | - | $1,938 | 60 Month CD | |
| Doral Bank | 1.50% | $1k | - | $1,938 | 60 Month Certificate | |
| Heritage Bank, Inc. | 1.50% | $500 | - | $1,932 | 5 Year CD | |
| Citizens Bank & Trust Company (KY) | 1.50% | $500 | - | $1,932 | 5 Year CD | |
| First National Bank and Trust | 1.50% | $1k | - | $1,938 | 60 Month CD | |
| First Federal Bank (KY) | 1.50% | $500 | - | $1,932 | 5 Year CD | |
| Peoples Bank of Kentucky, Inc. | 1.50% | $1k | - | $1,938 | 60 Month CD | |
| Magnolia Bank, Incorporated | 1.50% | $500 | - | $1,932 | 5 Year CD | |
| NOVA Bank | 1.50% | $500 | - | $1,938 | 60 Month CD | |
| The Bank of Kentucky, Inc. | 1.50% | $500 | - | $1,938 | 60 Month CD | |
| The Farmers Bank (14894) | 1.50% | $500 | - | $1,938 | 60 - 84 Month CD | |
| The Farmers National Bank of Lebanon | 1.50% | $500 | - | $1,938 | 60 Month CD | |
| Hancock Bank & Trust Company | 1.46% | $500 | - | $1,879 | 60 Month CD | |
| Citizens Bank (KY) | 1.45% | $1k | - | $1,871 | 60 Month CD | |
| Kentucky-Farmers Bank of Catlettsburg, Kentucky | 1.45% | $1k | - | $1,871 | 60 Month CD | |
| First Security Bank & Trust | 1.45% | $10k | - | $1,871 | 60 Month CD | |
| Altra Federal Credit Union | 1.45%* | $1k | - | $1,871 | 60 Month CD w/ Checking | |
| E-Central Credit Union | 1.41% | $1k | - | $1,813 | 60 Month CD | |
| Bank of Maysville | 1.41% | $2k | - | $1,813 | 5 Year CD | |
| Central Kentucky Federal Savings Bank | 1.41% | $500 | - | $1,813 | 5 Year CD | |
| Principal Bank | 1.41% | $5k | - | $1,818 | 60 Month CD | |
| UnivestDirect | 1.40% | $500 | - | $1,805 | 60 Month CD | |
| South Division Credit Union | 1.40% | $1k | - | $1,800 | 5 Year CD | |
| 5Star Bank | 1.40% | $1k | - | $1,800 | 5 Year CD | |
| Bank of Blue Valley | 1.35% | - | - | $1,739 | 60 - 71 Months CD | |
| North Country Savings Bank | 1.35% | $500 | - | $1,734 | 5 Year CD | |
| INOVA Federal Credit Union | 1.35% | $200 | - | $1,734 | 5 Year CD | |
| Ashland Credit Union | 1.35% | $500 | - | $1,734 | 60 Month Share Certificate | |
| Cumberland Security Bank, Inc. | 1.35% | $1k | - | $1,739 | 60 Month CD | |
| Beacon Federal Bank | 1.34% | $2,500 | - | $1,725 | 60 Month CD | |
| Provident Credit Union (CA) | 1.30% | $1k | - | $1,668 | 60 Month CD | |
| Newtown Savings Bank | 1.30% | - | - | $1,668 | 5 Year CD | |
| Commercial Bank TN | 1.30% | $500 | - | $1,673 | 60 Month CD | |
| Bank of Cadiz and Trust Company | 1.30% | $500 | - | $1,673 | 60 Month CD | |
| Kentucky Employees Credit Union | 1.30% | $500 | - | $1,673 | 60 Month Share Certificate | |
| Pacific Resource Credit Union | 1.29% | $1k | - | $1,655 | 60 Month CD | |
| State Farm Bank | 1.26%*† | - | - | $1,620 | 60 Month CD | |
| Bedford Loan & Deposit Bank | 1.26% | $500 | - | $1,620 | 60 Month CD | |
| Southeast Financial Federal Credit Union | 1.25% | $500 | - | $1,602 | 5 Year CD | |
| First Trade Union Savings | 1.25% | $500 | - | $1,602 | 5 Year CD | |
| Kentucky Home Bank | 1.25% | $500 | - | $1,607 | 60 Month CD | |
| Thrivent Financial Bank | 1.25% | $1k | - | $1,607 | 60 Month Standard CD | |
| C&O United Credit Union | 1.25% | $500 | - | $1,607 | 60 Month Share Certificate | |
| North American Savings Bank | 1.25% | $10k | - | $1,602 | 60 - 120 Month CD with Checking | |
| ViewPoint Bank | 1.20% | $1k | - | $1,541 | 60 Month Regular CD | |
| Peoples Bank, National Association | 1.16% | $1k | - | $1,411 | 57 Month CD | |
| Ameriprise Bank FSB | 1.15%* | $10k | - | $1,475 | 60 Month CD | |
| Wells Fargo Bank | 1.15%† | $5k | - | $1,425 | 58 Month CD Special | |
| Commonwealth Community Bank, Inc. | 1.15% | $500 | - | $1,475 | 60 Month CD | |
| First Federal Savings Bank of Frankfort | 1.15% | $500 | $25k | $1,471 | 5 Year CD | |
| Pacific Mercantile Bank | 1.13% | $10k | - | $1,445 | 60 Month CD | |
| The First National Bank of Brooksville | 1.13% | $1k | - | $1,449 | 60 Month CD | |
| Charles Schwab Bank | 1.12% | $1k | - | $1,436 | 60 Month CD | |
| First Security Trust Bank | 1.11% | $500 | - | $1,423 | 60 Month CD | |
| American Express Bank, FSB | 1.10% | - | - | $1,410 | 60 Month CD | |
| iGObanking | 1.10% | $1k | - | $1,410 | 60 Month iGOCD | |
| Commonwealth CU (KY) | 1.10% | $1k | - | $1,406 | 60 Month and Up CD | |
| Flagstar Direct | 1.10% | $500 | - | $1,410 | 60 Month Internet CD | |
| K I T Credit Union | 1.08% | $500 | - | $1,383 | 60 Month Share Certificate | |
| 1st Source Bank | 1.05% | $500 | - | $1,340 | 5 Year CD | |
| Zions Bank | 1.05% | $1k | - | $1,340 | 5 Year Gold CD | |
| Amalgamated Bank | 1.05%† | $500 | $99k | $1,340 | 5 Year USAVE Time Deposit | |
| Flagstar Bank | 1.05%† | $500 | - | $1,344 | 60 - 71 Month CD | |
| Consumers Credit Union (IL) | 1.05% | $250 | - | $1,340 | 5 Year CD | |
| Louisville Medical Center Credit Union | 1.05% | $1k | - | $1,340 | 5 Year CD | |
| Citibank | 1.01%† | $1k | - | $1,288 | 5 Year CD | |
| Regions Bank | 1.01%† | $500 | - | $1,248 | 58 Month CD Special | |
| Acacia Federal Savings Bank | 1.00% | $500 | - | $1,279 | 60 Month CD | |
| Amegy Bank | 1.00% | $1k | - | $1,275 | 5 Year Jumbo Personal CD | |
| Commonwealth Bank & Trust Company | 1.00% | $500 | - | $1,275 | 5 Year CD | |
| ING DIRECT | 1.00% | - | - | $1,279 | 60 Month Orange CD | |
| NewDominion Bank | 1.00% | $1k | - | $1,275 | 60 Month Fixed Rate CD | |
| The Bank - Oldham County | 1.00% | $1k | - | $1,275 | 60 Month CD | |
| Farmers Nat'l Bank of Danville | 1.00% | $500 | - | $1,279 | 60 Month CD | |
| Republic Bank | 1.00% | $1k | $1m | $1,275 | 60 Month CD | |
| KeyBank | 1.00%† | $25k | $100k | $1,275 | 60 Month Tiered CD - Relationship | |
| Citizens Bank of Northern Kentucky, Inc. | 1.00% | $500 | - | $1,279 | 60 Month CD | |
| RBS Citizens, National Association | 1.00%† | $1k | - | $1,275 | 5 Year Circle Gold CD | |
| Guardian Credit Union | 1.00% | $500 | - | $1,279 | 60 Month Share Certificate | |
| Partners 1St Credit Union | 0.99% | $500 | - | $1,266 | 60 Month CD | |
| GiftsforBanking.com | 0.95% | $5k | - | $1,210 | 5 Year CD Gifts | |
| First Kentucky Bank, Inc. | 0.95% | $10k | $500k | $1,193 | 59 Month CD Special | |
| First National Community Bank (PA) | 0.90% | $1k | - | $1,145 | 5 Year CD | |
| Randolph Bank & Trust Company | 0.90%* | $10k | - | $1,145 | 60 Month Fixed Rate CD | |
| The Health & Education Credit Union | 0.90% | $1k | - | $1,145 | 5 Year CD | |
| Town & Country Bank and Trust Company | 0.90% | $1k | - | $1,149 | 60 Month CD | |
| Airbanking | 0.85% | $500 | - | $1,081 | 5 Year CD | |
| Your Community Bank | 0.83% | $500 | - | $1,055 | 60 - 120 Month CD | |
| Comerica Bank | 0.80%† | $1k | - | $1,016 | 5 Year CD | |
| Citizens Deposit Bank of Arlington, Inc. | 0.80% | $10k | - | $967 | 57 Month CD Special | |
| Capital One Direct Banking | 0.80% | $5k | $100k | $1,016 | 5 Year Costco Members CD | |
| Huntington National Bank | 0.75%† | $1k | $100k | $954 | 60 Month CD | |
| The Peoples Bank (5847) | 0.75% | $500 | - | $954 | 60 Month CD | |
| National Bank of Kansas City | 0.65% | $5k | - | $825 | 60 Month CD | |
| Shelter Financial Bank | 0.60% | $1k | $95k | $759 | 60 Month CD | |
| Community Bank of Pleasant Hill | 0.50%* | $25k | - | $631 | 5 Year (260 weeks) CDARS | |
| Community Bank of Raymore | 0.50%* | $25k | - | $631 | 5 Year CDARS | |
| Aurora Bank FSB | 0.35% | $1k | - | $441 | 60 Month CD | |
| BankDirect | 0.25% | $10k | - | $315 | 60 Month CD | |
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