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: June 19, 2026
| Bank | APY | Min. Deposit | Early Withdrawal Penalty | |
|---|---|---|---|---|
BestSullivan Bank | 4.30% | $0 | Varies | Visit → |
Merrick Bank | 4.20% | $25 | Varies | Visit → |
TAB Bank | 4.20% | $1 | Varies | Visit → |
United Fidelity Bank, fsb | 4.20% | $0 | Varies | Visit → |
NASA Federal Credit Union | 4.18% | $1 | Varies | Visit → |
Sallie Mae Bank | 4.15% | $2 | Varies | Visit → |
Advancial | 4.14% | $1 | Varies | Visit → |
E*TRADE from Morgan Stanley | 4.10% | $0 | Varies | Visit → |
Prime Alliance Bank | 4.10% | $500 | Varies | Visit → |
Genisys Credit Union | 4.06% | $500 | Varies | Visit → |
Mountain America Credit Union | 4.05% | $500 | Varies | Visit → |
Bread Savings | 4.00% | $1 | Varies | Visit → |
First National Bank of America | 4.00% | $1 | Varies | Visit → |
INOVA Federal Credit Union | 4.00% | $200 | Varies | Visit → |
La Porte Community Federal Credit Union | 4.00% | $0 | Varies | Visit → |
Other CD Terms
Build a CD Ladder
Combine multiple CD terms for flexibility and higher average returns.
CD Ladder Calculator →Frequently Asked Questions
What is the best 5 years CD rate right now?
The best 5 years CD rate is currently 4.30% from Sullivan Bank. 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.