Featured 1-Year CD Rates
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5 Year CD Rates

Compare rates on 5 year CDs from banks and credit unions. Use the filter box below to customize your results. Also, try our EWP Calculator to help you determine the effective APY if you decided to break the CD before maturity, or click here to read about other tips for utilizing longer-term CDs like the 5-year CDs listed below.

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Deposit Amount
$1 $100,000
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192 Results


Nationwide Only
Service Credit Union5 Year Share Certificate18 Reviews
2.60%
$1k-$3,423
2.53%
$500-$3,395
2.50%
$500-$3,295
Melrose Credit Union5 Year Share Certificate20 Reviews
2.42%
$5k-$3,175
Utah First FCU60 Month CD
2.40%
$500-$3,157
Signal Financial FCU60 Month (promotional rate, new money)
2.36%
$500-$3,102
United States Senate FCU60 Month Smart Certificate1 Review
2.34%*
$20k$100k$3,074
2.32%*
$2,500-$3,038
Capital One60 Month 360 CD244 Reviews
2.30%
--$3,019
2.30%*
$500-$3,019
Popular Direct5 Year Popular Direct CD
2.30%
$10k-$3,010
EverBank5 Year Yield Pledge CD22 Reviews
2.25%
$5k-$2,942
2.22%
$1k-$2,909
2.22%
$10k-$2,901
Velocity Credit Union5 Year Share Certificate Promotion3 Reviews
2.22%
$1k-$2,901
EECU60 Month CD4 Reviews
2.20%
$1k$50k$2,882
First Central Savings Bank60 Month E-Certificate of Deposit (Online Only)
2.20%
$500-$2,882
2.15%
$500-$2,814
Bethpage FCU60 Month Certificate5 Reviews
2.15%
$50-$2,814
Home Savings Bank60 Month Internet Only CD
2.15%
$5k$250k$2,814
2.15%
$500-$2,814
NuVision FCU5 Year CD
2.15%*
$25k-$2,806
2.15%
$500-$2,763
2.15%
$500-$2,763
PenFed Credit Union5 Year Money Market Certificate56 Reviews
2.12%
$1k-$2,765
SCE FCU60 Month CD1 Review
2.10%
$1k-$2,745
Blue FCU60 Month CD - Sapphire7 Reviews
2.10%
$2k-$2,745
RiverLand FCU60 Month Certificate1 Review
2.10%
$1k-$2,745
AgFed Credit Union60 Month Share Certificate
2.10%
$1k-$2,745
Credit Union of America60 Month Share Certificate
2.10%
$500$100k$2,745
Communitywide FCU60 Months Share Certificate4 Reviews
2.10%
$2k-$2,745
American Bank60 Month CD Promotion3 Reviews
2.10%
$500-$2,745
2.10%
$1k-$2,738
M.Y. Safra Bank60 Months Online Promo CD (New Money)2 Reviews
2.07%
$5k-$2,705
Wings Financial Credit Union5 Year Step Up Dividend Paid Quarterly Share Certificate30 Reviews
2.07%*
$10k-$2,697
2.07%*
$25k-$2,669
2.05%
$500-$2,677

Displaying 1-40 of 192 Results


5-Year CD Rates

5 Year CD rates are among the highest CD rates in the country and offer solid returns for a fixed investment period. The table above lists the best 5-year CD rates at the top and allows you to filter your results based on investment amount and institution location. Click the plus button to the left of the bank or credit union name to view account features and rate history for the 5 Year CD, or 60 Month CD, offered by that particular institution.

5-Year CD Rate History – Average APY (%) Rate Trend over Time

What is a CD?

CD rates, or certificate of deposit rates, represent the annual percentage yield paid by a financial institution as a return on a time deposit made by a depositor. A CD is unlike a savings account in that it is issued for a fixed period of time, before which funds may be disbursed only by way of an early withdrawal penalty. CDs provide a secure way to grow retirement savings at a fixed rate of interest and can be helpful as a hedge against riskier investments in the same portfolio.

How Some People Use 5-Year CDs

Many investors use a CD calculator as a tool to help them decide whether a particular 5 Year CD is a good investment. CD laddering is a strategy used by some investors to turn the high rates achieved with longer term CDs into regular returns. To build a typical CD ladder, you would buy 5 CDs with differing maturity dates – a 1 Year CD, 2 Year CD, 3 Year CD, 4 Year CD, and 5 Year CD for example. After the first year, when the 1 Year CD expires, take the proceeds and buy another 5 Year CD with them. Repeat this process each year until you have 5 Year CDs expiring every year. This strategy helps you to take advantage of the earning potential of the higher CD rates while maintaining liquidity by giving you yearly access to funds (unless you are willing to take an early withdrawal penalty to access your money sooner).

Brokered CDs

Brokered CDs are not the same as direct CDs and come with downsides (as well as benefits) that differ from the CDs listed in the rate table above. Credit union CD rates can at times be higher than bank CD rates, and online banks tend to offer the highest interest rates among banks overall. At FDIC and NCUA-insured institutions, your deposits are covered up to $250,000, including any CDs you buy from the bank or credit union.




The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.