Best 5 years CD Rates
Compare 5 years certificate of deposit rates from FDIC-insured banks. Lock in a guaranteed return with no risk.
Last updated: March 2, 2026
| Bank | APY | Min. Deposit | Early Withdrawal Penalty | |
|---|---|---|---|---|
BestUnited Fidelity Bank, fsb | 4.15% | $0 | Varies | Visit → |
Mountain America Credit Union | 4.00% | $500 | Varies | Visit → |
Sallie Mae Bank | 4.00% | $2 | Varies | Visit → |
Utah First Federal Credit Union | 4.00% | $2 | Varies | Visit → |
Advancial | 3.97% | $1 | Varies | Visit → |
USALLIANCE Financial | 3.95% | $500 | Varies | Visit → |
KS StateBank | 3.90% | $500 | Varies | Visit → |
Sullivan Bank | 3.89% | $0 | Varies | Visit → |
All In Credit Union (AL) | 3.87% | $1 | Varies | Visit → |
United Roosevelt Savings Bank | 3.85% | $0 | Varies | Visit → |
Genisys Credit Union | 3.84% | $500 | Varies | Visit → |
NASA Federal Credit Union | 3.83% | $1 | Varies | Visit → |
M.Y. Safra Bank | 3.80% | $500 | Varies | Visit → |
Prime Alliance Bank | 3.80% | $500 | Varies | Visit → |
TotalBank | 3.76% | $25 | Varies | Visit → |
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CD Ladder Calculator →Frequently Asked Questions
What is the best 5 years CD rate right now?
The best 5 years CD rate is currently 4.15% from United Fidelity Bank, fsb. Rates are verified and updated regularly.
Is a 5 years CD a good investment?
A 5 years CD is a safe, FDIC-insured investment that locks in a guaranteed rate. Longer-term CDs may offer higher rates but lock your money for a longer period.
What happens when my CD matures?
When your CD matures, you can withdraw your principal plus earned interest penalty-free. Most banks will auto-renew into a new CD at current rates if you take no action, so set a reminder.