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5-Year CDs

Best 5-Year CD Rates

The 5-year CD is the classic long-term option. It locks in a rate for the longest standard term — ideal if you want certainty and won’t need the money until well into the future. The top widely available listing in our table pays 5.00% APY, compared with a national average of 1.80%.

Display date · By the CompareCDRate editorial team · About our dates · How we verify rates

7 CD listings shown.

CD listings with APY, term, minimum deposit, early withdrawal terms and source date
ListingAPYTermMin. depositEarly withdrawalDisplay date ?Actions
Credit unionListing #LZW7N · details on inquiryCredit union · NCUA 5.00% 5 years $100 Confirm with institution
National rate survey		 Inquire about this CD for listing LZW7N, 5.00% 5 years
Online bankListing #8VQBV · details on inquiryBank · FDIC 5.00% 5 years $2,500 Confirm with institution
National rate survey		 Inquire about this CD for listing 8VQBV, 5.00% 5 years
Online bankListing #7V9ST · details on inquiryBank · FDIC 5.00% 5 years $10,000 Confirm with institution
National rate survey		 Inquire about this CD for listing 7V9ST, 5.00% 5 years
FDIC-insured bankListing #DUZXQ · details on inquiryBank · FDIC 5.00% 5 years $50,000 Confirm with institution
CD marketplace data		 Inquire about this CD for listing DUZXQ, 5.00% 5 years
Online bankListing #P467M · details on inquiryBank · FDIC 4.85% 5 years $500 Confirm with institution
National rate survey		 Inquire about this CD for listing P467M, 4.85% 5 years
Online bankListing #ELW9X · details on inquiryBank · FDIC 4.80% 5 years No minimum Confirm with institution
National rate survey		 Inquire about this CD for listing ELW9X, 4.80% 5 years
Online bankListing #9HP5B · details on inquiryBank · FDIC 4.75% 5 years No minimum Confirm with institution
National rate survey		 Inquire about this CD for listing 9HP5B, 4.75% 5 years

APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures

Compare selected CDs

Interest estimates assume the APY holds for the full term and interest stays in the CD. Brokered CDs usually pay simple interest, so actual earnings may differ slightly.

Is a 5-year CD right for you?

Good fit if…

  • You’re saving for a goal five or more years away
  • You want to secure a rate in case yields decline
  • You’re setting the top rung of a CD ladder

Watch out for…

  • Early withdrawal penalties are often the largest — sometimes a year or more of interest
  • Inflation risk over a long fixed term
  • Some of the highest rates come from credit unions that require membership

What $10,000 could earn

Put $10,000 in the top widely available listing at 5.00% APY for 5 years and you’d earn about $2,762.82. At the 1.80% national average, the same deposit would earn about $932.99 — a difference of $1,829.83. These estimates assume the APY applies for the full term and interest stays in the CD. Try your own numbers in the CD calculator.

How to choose a 5-year CD

  1. Confirm the maturity date lines up with when you’ll need the money.
  2. Check the minimum deposit and any membership requirement.
  3. Read the early withdrawal penalty so you know the cost if plans change.
  4. Keep within insurance limits — $250,000 per depositor, per institution, per ownership category.
  5. Verify the live rate on the institution’s site before you apply.

5-Year CD FAQs

What are the best 5-year CD rates?
Several institutions in our table currently list 5.00% APY on 5-year CDs, compared with a national average of 1.80%. Each row shows the minimum deposit and source date.
How much does $10,000 earn in a 5-year CD?
At 5.00% APY, about $2,763 over five years when interest compounds in the CD.
Is a 5-year CD worth it if I might need the money?
Probably not. If there’s a real chance you’ll need the funds earlier, consider a shorter term, a no-penalty CD, or a ladder so you’re not exposed to a large penalty.

Want help choosing a 5-year CD?

Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.

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