Browsing the web for the Best 5-Year CD Rates to invest your funds in? Well, you’re in the right spot. Below is our guide to help you find the Best 5-Year CD Rates. CDs, short for Certificate of deposits, will offer you one of the top & secure return on your money when you invest it with your bank/credit union of choice. The best route to take if you want to foresee the best return is with online banks.
Editor’s Note: Need to see a more full, extensive list of available CD rates before deciding? See our post on the Best National CD Rates or the Best Regional CD Rates.
Looking for a certain term? See below for our list of the best CD rates in the following terms:
- Best 6 or 9-Month CD Rates
- Best 1-Year CD Rates
- Best 18-Month CD Rates
- Best 2-Year CD Rates
- Best 3-Year CD Rates
- Best 4-Year CD Rates
| Best CD Accounts | ||||
|---|---|---|---|---|
| Account | Minimum | APY | ||
 | CIT Bank 11-Month No-Penalty CD Account | $1,000 | 2.05% | |
 | Synchrony Bank 15-Month CD Account | $2,000 | 2.85% | |
 | Discover Bank 12-Month CD Account | $2,500 | 2.65% | |
 | BBVA Compass Bank 36-Month CD Account | $500 | 2.25% |
Best 5-Year CD Rates – Nationwide
| Bank/Credit Union | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|
| State Bank of India IL | 3.40% | $2.5K | --- | 5-Year Senior Citizen CD | Review |
| University Federal Credit Union | 3.40% | $100k | --- | 60-Month Jumbo CD | Review |
| State Bank of India NY | 3.39% | $2.5k | --- | 5-Year Term Deposit | Review |
| State Department Federal Credit Union | 3.39% | $500 | --- | 60-Month CD | Review |
| First National Bank of America | 3.35% | $1k | --- | 60-Month CD | Review |
| Sun East Federal Credit Union | 3.35% | $99k | --- | 60-Month Jumbo CD | Review |
| GTE Financial | 3.30% | $100k | --- | 60-Month CD | Review |
| INOVA Federal Credit Union | 3.25% | $200 | --- | 60-Month IRA | Review |
| Affinity Plus Federal Credit Union | 3.25% | $500 | --- | 60-Month CD | Review |
| Main Street Bank | 3.25% | $500 | --- | 60-Month CD | Review |
| Service Credit Union | 3.25% | $1k | --- | 60-Month CD | Review |
| Presidential Bank | 3.25% | $1k | --- | 60-Month CD | Review |
| Superior Choice Credit Union | 3.25% | $10k | --- | 60-Month CD | Review |
| Georgia Banking Company | 3.20% | $500 | --- | 60-Month CD | Review |
| Citizens State Bank | 3.20% | $1k | --- | 60-Month CD | Review |
| WebBank | 3.20% | $2.5k | --- | 60-Month CD | Review |
Best 5-Year CD Rates – State/Local
| Bank/Credit Union | State(s) | APY | Min | Max | Account Name | Review |
|---|---|---|---|---|---|---|
| Bank of Utica | NY | 4.00% | $500 | --- | 5-Year CD | Review |
| The Harbor Bank of Maryland | DE, MD, NJ, PA, VA, WV, DC | 3.71% | $1K | --- | 60-Month IRA | Review |
| EFCU Financial | LA | 3.70% | $100k | --- | 60-Month IRA | Review |
| Jefferson Financial Federal Credit Union | LA | 3.61% | $100k | --- | 5-Year CD | Review |
| Shell Federal Credit Union | TX | 3.60% | $50K | $100k | 5-Year CD | Review |
| The Harbor Bank of Maryland | DE, MD, NJ, PA, VA, WV, DC | 3.56% | $1K | --- | 60-Month CD | Review |
| Texas Bay Credit Union | TX | 3.56% | $50K | --- | 60-Month Jumbo CD | Review |
| Shell Federal Credit Union | TX | 3.55% | $500 | $50k | 60-Month CD | Review |
| Cyprus Credit Union | UT | 3.50% | $1k | --- | 5-Year CD | Review |
| Suncoast Credit Union | FL | 3.50% | $100k | --- | 60-Month CD | Review |
| Neighbors Federal Credit Union | LA | 3.45% | $1.5K | --- | 60-Month CD | Review |
| Shell Federal Credit Union | TX | 3.45% | $50k | --- | 60-Month CD | Review |
| Texas Bay Credit Union | TX | 3.35% | $1k | --- | 60-Month CD | Review |
| Lewis Clark Credit Union | ID, WA | 3.35% | $0 | --- | 60-Month CD | Review |
| P1FCU | ID, WA | 3.35% | $500 | --- | 60-Month CD | Review |
