Compare Best 5-year CD Rates

Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like certificate of deposits (CDs), savings and money market accounts.

GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best 5-year CD rates and display them in the table below for free. Click on our featured bank rates for more information.







Institution Term Rate APY Min. To Earn APY Details


  • 4 Yr.
    5 Yr.
    7 Yr.
  • 2.52%
    3.05%
    3.34%
  • 2.55%
    3.10%
    3.40%
  • $2,500
    $2,500
    $2,500
    • Discover Bank offers great rates, security & convenience.


  • 3 Yr.
    5 Yr.
  • 2.38%
    3.00%
  • 2.41%
    3.05%
  • $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!


TermRateAPYMin. To Earn APYDetails
5 year3.50%$1,00060 month Step-Up CD, $100,000 maximum.
5 year3.44%3.50%$5,000CD Special
5 year3.30%3.40%$500Rate disclosed is from New York market area, rate may vary by region. Market area NY, NJ, CT.
5 year3.30%3.36%$1,500Yield Pledge CD
5 year3.25%3.30%$500Internet Only
5 year3.25%$500
5 year3.24%$5,0005 years and above
5 year3.10%3.15%$500Rates effective 03/15/2010
5 year3.05%3.10%$5,000Online Fixed Rate CD
5 year3.10%$100,000
5 year3.05%3.10%$1,000Branch and Call Center CD Rates
5 year3.05%3.10%$2,500
5 year3.04%3.09%$1High-Yield CD
5 year3.00%3.05%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
5 year3.00%3.05%$1,000
5 year3.00%3.05%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
5 year3.05%$500
5 year2.97%3.01%$1,000CD Special
5 year2.96%3.00%$500
5 year2.96%3.00%$2,500
5 year2.96%3.00%$10,000Chase CD Special - qualifying Chase personal checking accout required, rate may vary by location
5 year2.96%3.00%$10,00060 Month Callable CD only - Promotional Rate, rate based on New York market area, rate may vary by location
5 year3.00%$500
5 year2.96%3.00%$10,000Rate for balances up to $90,000
5 year2.91%2.95%$1,000
5 year2.87%2.91%$1,000Rates effective on balances up to $4,999
5 year2.86%2.90%$1,000Rates and terms specific to accounts opened online
5 year2.86%2.90%$500
5 year2.86%2.90%$2,500
5 year2.85%2.89%$2,500Rate for balances up to $99,999
5 year2.84%2.87%$1,000
5 year2.85%2.87%$50,000
5 year2.81%2.85%$500Fixed Rate
5 year2.81%2.85%$1,000
5 year2.79%2.82%$5,000Located in Arizona
5 year2.77%2.80%$1,000
5 year2.76%2.80%$5,000Online CD
5 year2.75%2.79%$1,000
5 year2.75%2.78%$10,000from CentennialBank.com
5 year2.75%2.78%$2,50060 month term and longer. $24,999 maximum deposit.
5 year2.71%2.75%$1,000
5 year2.72%2.75%$10,00060 Month Relationship CD - Gold Star Checking Account Required
5 year2.75%2.75%$1,000
5 year2.71%2.75%$5,000Non-jumbo CD
5 year2.72%2.75%$25,0005 Year Callable CD - 12 Month Rate Guarantee
5 year2.71%2.75%$100,000Jumbo CD
5 year2.65%2.67%$1,000
5 year2.57%2.60%$500Standard 5 Yr CD (www.sterlingnj.com)
5 year2.50%2.53%$10,000eCD rates for online account only
5 year2.47%2.50%$500
5 year2.48%2.50%$500
5 year2.47%2.50%$500Rate applies only to accounts opened online. To receive the premium rate, you must have a linked checking account in the Citigold Account Package, and the checking account must be your primary account.
5 year2.47%2.50%$10,000
5 year2.50%$1,000MyWay CD Internet Special - 5 year term to 10 year term available
5 year2.37%2.40%$1,000
5 year2.20%2.22%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
5 year1.99%$50,000
5 year1.95%$500
5 year1.88%1.92%$1,000Regular CD - South Shore Massachusetts market area
5 year1.90%$25,000
5 year1.83%1.85%$2,500If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500.
5 year1.77%1.79%$10,000
5 year1.75%$15,000
5 year1.69%1.70%$500
5 year1.45%$500Online Banking
5 year1.26%1.26%$1,000Must be opened online to get this rate.
5 year1.09%1.10%$1,000Fixed-Rate CD