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.
  • 2.31%
    2.70%
  • 2.34%
    2.74%
  • $0
    $0
    • Get our best rate with the Ally Ten Day Best Rate Guarantee.


TermRateAPYMin. To Earn APYDetails
5 year3.26%3.30%$500Membership is open to employeess and students of school districts in the Michigan counties of Wayne and Monroe, as well as select businesses, family members and retirees. See site for details.
5 year3.10%3.12%$1,000Regular CD - 60 month
5 year3.00%3.03%$5,000Share Certificate - contact Melrose CU for opening paperwork
5 year2.97%3.01%$1,00060 month CD Special
5 year2.96%3.00%$1,000Fixed Rate CD Tier $1,000 - $94,999 - USAA Bank is a member based bank providing services to active and retired military personnel and their families. Most banking products are available to the general public. See website for details.
5 year2.96%3.00%$500
5 year3.00%$500Membership is available, but not limited to select employer groups or those who live, work,or worship, attend school or regularly do business in Boyle, Breckenridge, Grayson, Hart, LaRue, Meade, Nelson or Taylor County. See website for additional eligiblity criteria.
5 year2.94%2.97%$500
5 year2.87%2.90%$1,000
5 year2.86%2.90%$2,500
5 year2.86%2.90%$500Rates effective 08/30/2010
5 year2.81%2.85%$1,000
5 year2.75%2.79%$2,500New accounts available for Maryland residents only - must open in person
5 year2.75%2.78%$1,000
5 year2.75%2.78%$1,000Limited to New York market area
5 year2.74%2.78%$1,000Located in Montana
5 year2.75%2.78%$1,000
5 year2.75%$1,00060 month CD
5 year2.72%2.75%$1,000Renewable CD
5 year2.71%2.75%$500
5 year2.72%2.75%$500
5 year2.71%2.75%$500Fixed Rate
5 year2.71%2.75%$5,000Online CD
5 year2.72%2.75%$1,000
5 year2.75%$1,000Money Market CD-membership is open to U.S. military
5 year2.75%$100,000
5 year2.72%2.75%$25,0005 Year Callable CD - 12 Month Rate Guarantee
5 year2.70%2.74%$1High-Yield CD
5 year2.68%2.72%$1,000
5 year2.67%2.71%$50,000CDs have 4 rate tiers based on balance
5 year2.63%2.70%$500
5 year2.67%2.70%$5,000Located in Arizona
5 year2.70%$500
5 year2.67%2.70%$500Central New York market area only
5 year2.64%2.70%$1,000
5 year2.65%2.69%$500Rate effective for balances up to $10,000 - tiered rates apply
5 year2.65%2.68%$500Membership is limited to employees of the Air Transportation Industry, as well as those who live or work in select counties of the Minneapolis/St. Paul, MN, metro area
5 year2.62%2.65%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
5 year2.62%2.65%$1,000Relationship CD - Limited to Georgia cutomers only
5 year2.65%2.65%$1,000Regular CD - Rate collected within: Fargo ND
5 year2.60%2.62%$1,000
5 year2.58%2.61%$2,500
5 year2.58%2.61%$500
5 year2.58%2.60%$1,000
5 year2.59%$50060 - 71 Month CD - Rate collected within: 49201 (MI)
5 year2.53%2.56%$1,000Rates effective on balances up to $4,999
5 year2.55%2.55%$500
5 year2.55%$5005 Year CD - Rate collected within: 60625 (IL)
5 year2.52%2.55%$1,00060 month CD
5 year2.52%2.55%$1,500Yield Pledge CD
5 year2.51%2.53%$50,000
5 year2.50%2.53%$10,000eCD rates for online account only
5 year2.50%2.53%$50060 Month CD - Located in Vermont
5 year2.50%2.53%$2,500Rate for balances up to $99,999
5 year2.50%2.53%$1,000
5 year2.50%2.52%$2,500Limited to local Nebraska market area
5 year2.49%2.51%$1,000Located in Bristow, OK
5 year2.50%$1,00060 Month CD Special - Ohio market area - Open at branch
5 year2.50%$1,00060-month CD
5 year2.50%2.50%$500
5 year2.47%2.50%$1,000
5 year2.48%2.50%$300Located in Tennessee
5 year2.44%2.50%$1,000Download a Certificate by Mail application form to open account - must reside in New Jersey or in Bucks County, Pennsylvania
5 year2.47%2.50%$1,000
5 year2.48%2.50%$1,000
5 year2.47%2.50%$10,000
5 year2.50%$1,000MyWay CD Internet Special - 5 year term to 10 year term available
5 year2.47%2.50%$1,000Online CD
5 year2.47%2.50%$1,000Branch and Call Center CD Rates/Southern CA residents only
5 year2.47%2.50%$500
5 year2.47%2.50%$1,000Internet CD
5 year2.50%2.50%$1,000
5 year2.48%2.50%$500
5 year2.44%2.50%$500Rate collected within: NY
5 year2.47%2.50%$1,00060 month CD
5 year2.42%2.45%$1,000
5 year2.37%2.40%$5,000Fixed Rate CDs-must have RBC Checking account to qualify for rate shown. Rate effective 7/28/2010 - 8/3/2010
5 year2.38%2.40%$250Located in MN
5 year2.38%2.40%$100
5 year2.40%2.40%$1,000Collected wtihin Oklahoma
5 year2.37%2.40%$1,0005 Year CD-tier $1,000
5 year2.37%2.40%$1,000Rates and terms specific to accounts opened online
5 year2.35%2.38%$1,000
5 year2.35%$500
5 year2.20%2.32%$1,000
5 year2.30%2.32%$500
5 year2.28%2.30%$500
5 year2.28%2.30%$1,000
5 year2.27%2.30%$1,000
5 year2.30%$0APY for balances up to $999
5 year2.28%2.30%$1,000
5 year2.26%2.28%$50060 Month CD - Less than $100,000 - Rate collected within: 94115 (CA)
5 year2.26%2.28%$50060 Month CD - Less than $100,000 - Rate collected within: 60625 (IL)
5 year2.26%2.28%$50060 Month CD - Less than $100,000 - Rate collected within: 10025 (NY)
5 year2.25%2.27%$1,000
5 year2.27%$5,0005 years and above
5 year2.25%2.27%$1,00060 Month CD
5 year2.23%2.25%$5,000CD Special, must open in person at branch.
5 year2.23%2.25%$1,00060 Month CD - Accounts under $100,000 - Rate collected within Chicago, IL
5 year2.23%2.25%$1,000Regular CD - Can open Online - Bank Located in PA
5 year2.23%2.25%$50060-71 month CD
5 year2.23%2.25%$1,000
5 year2.23%2.25%$50060 Month CD
5 year2.23%2.25%$35060 Month CD Tier $350 - $999
5 year2.23%2.25%$2,5005 Year CD Tier $2,500 - $19,999 - This account requires a WB checking account
5 year2.22%2.25%$10,00060 Month Relationship CD - Gold Star Checking Account Required
5 year2.25%2.25%$1,000
5 year2.24%2.25%$500
5 year2.19%2.21%$1,000
5 year2.20%2.20%$500
5 year2.15%2.17%$1,00060 Month CD Tier $1,000 - $9,999 - Apply online or at branch
5 year2.15%2.17%$5,000
5 year2.15%$500
5 year2.10%2.12%$2,50060 month term and longer. $24,999 maximum deposit.
5 year2.08%2.10%$1,00060 month CD
5 year2.05%2.07%$10,000from CentennialBank.com
5 year2.03%2.05%$1,000Accounts can be opened with an Allstate agent or by online application
5 year2.03%2.05%$1,00060 - 120 Month CD
5 year2.00%2.02%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account. Located in CA.
5 year2.00%2.02%$1,000Rate collected within: IL
5 year2.00%2.02%$500
5 year2.01%$500Interest compounded semi-annually.
5 year1.96%2.01%$50060 Month Base CD - Higher rates available for checking customers
5 year1.98%2.00%$1,00060 Month CD Tier $1,000 - $4,999
5 year1.99%2.00%$1,000
5 year1.98%2.00%$1,000Tier $1,000 - $9,999 - Located in New York
5 year2.00%$2,00060 Month Special CD - Rate collected within: AL
5 year1.98%2.00%$500Regular CD - Limited to New York market area
5 year2.00%$1,00060 Month Promo CD - Open with new money - Requires M and T Select or Select with Interest checking account - Rate collected within: 10025 (NY)
5 year2.00%$500Rate collected within Whatcom County
5 year1.99%2.00%$1,000Lake City considers its trade area to be within a 30 mile radius of Lake City, MN and reserves the right to reject any deposit or application outside the trade area.
5 year1.93%1.95%$50060 Month CD - Rate collected within Northern CA
5 year1.93%1.95%$50060 Month CD - Rate collected within Jacksonville, FL
5 year1.93%1.95%$50060 Month CD - Rate collected within Birmingham, AL
5 year1.95%$500
5 year1.93%1.95%$50060 Month CD - Rate collected within: Northern CA
5 year1.90%$1,000Time Deposit Tier $1,000 - $9,999 - Receive an added .25% to the quoted APY when you open a checking account with direct deposit, bonus also available to existing direct deposit checking customers - Located in CA
5 year1.88%1.90%$1,00060 Month CD with Bump Up Option
5 year1.90%$25,000APY for balances up to $49,999
5 year1.86%1.87%$1,000
5 year1.84%1.85%$1,000Regular CD - Under $100,000
5 year1.84%1.85%$500
5 year1.83%1.85%$50060 - 72 Month CD - Rate collected within: 63102 (MO)
5 year1.85%$1,00060 month CD
5 year1.80%1.81%$1,000Rate effective for balances up to $99,999.99 - tiered rates apply thereafter.
5 year1.80%$250Step Rate 5 Year CD - Rate increases over time - Rate collected within: New York NY
5 year1.80%$250Step Rate 5 Year CD - Rate increases over time - Rate collected within: Florida (FL)
5 year1.80%$250Step Rate 5 Year CD - Rate increases over time - Rate collected within: Washington DC
5 year1.73%1.75%$5005 Year CD - Tier less than $10,000 - Online account only
5 year1.75%$15,000APY for balances up to $24,999
5 year1.73%1.75%$5,000Non-jumbo CD - Rate collected within: 60625 (IL)
5 year1.73%1.75%$1,000Standard 5 Year to 83 Month CD - Rate collected within: CA
5 year1.74%1.75%$1,00060 Month CD - Accounts under $100,000 - Rate collected within Philadelphia, PA
5 year1.73%1.75%$100,000Jumbo CD - Rate collected within: 60625 (IL)
5 year1.73%1.75%$5,000Non-Jumbo CD - Rate collected within: 94115 (CA)
5 year1.73%1.75%$100,000Jumbo CD - Rate collected within: 94115 (CA)
5 year1.73%1.75%$100,000Jumbo CD - Rate collected within: 10025 (NY)
5 year1.73%1.75%$500
5 year1.73%1.75%$5,000Non-Jumbo CD - Rate collected within: 10025 (NY)
5 year1.69%1.70%$50060 - 71 Month Fixed Rate Tier $500 - $49,999
5 year1.69%1.70%$500
5 year1.65%1.66%$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 year1.65%$500Tiered rates - Stated rate applies to balances $500 - $9,999
5 year1.64%1.65%$1,000
5 year1.59%1.60%$500
5 year1.60%$1,000With Premier Checking - special bonus rate is for First Tennessee checking customers - open in branch - minimum opening deposit varies by market and term
5 year1.49%1.50%$1,00060 Month CD
5 year1.49%1.50%$1,00060 Month Fixed Rate CD Only - Rate collected within: 10025 (NY)
5 year1.50%$2,000APY for balances up to $14,999
5 year1.47%1.48%$10,000
5 year1.44%1.45%$1,0005 Year CD Tier - Up to $9,999 - Rate collected witihin: 60625 (IL)
5 year1.44%1.45%$1,0005 Year CD Tier - Up to $9,999 - Rate collected within: 10025 (NY)
5 year1.45%$500Online Banking
5 year1.44%1.45%$1,0005 Year CD Tier - Up to $9,999 - Rate collected within: 94115 (CA)
5 year1.40%1.41%$2,5003 to 5 Year CD Tier $2,500 - $49,999
5 year1.36%1.37%$1,000
5 year1.34%1.35%$1,0005 Year CD - Less than $100,000
5 year1.29%1.30%$1,00060 Month CD - Rate collected within: 60625 (IL)
5 year1.29%1.30%$1,00060 Month CD - Rate collected within: 10025 (NY)
5 year1.29%1.30%$1,00060 Month CD - Rate collected within: 94115 (CA)
5 year1.30%$1,000Regular CD - Open online
5 year1.25%1.28%$1,000Regular CD - South Shore Massachusetts market area
5 year1.25%1.26%$1,000Standard 60-119 Month CD - Tier Less than $10,000 - Rate collected within: IL
5 year1.25%1.26%$1,000Regular CD
5 year1.25%1.26%$10,000Standard 60-119 Month CD - Tier Less than $10,000 - Rate collected within: NY
5 year1.25%$1Orange CD
5 year1.25%$1,0005 Year Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 10025 (NY)
5 year1.24%1.25%$1,00060 - 83 Month Standard CD - Non Relationship Rate - Rate collected within: 10025 (NY)
5 year1.24%1.25%$1,00060 - 83 Month Standard CD - Non Relationship Rate - Rate collected within: 94115 (CA)
5 year1.24%1.25%$1,00060 - 83 Month Standard CD - Non Relationship Rate - Rate collected within: 60625 (IL)
5 year1.25%$1,0005 Year Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 60625 (IL)
5 year1.25%$1,0005 Year Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA)
5 year1.25%$1,0005 Year Fixed Rate CD Tier $0 - $2,499 - Rate collected within: 94115 (CA)
5 year1.22%1.23%$1,00060 Month CD Tier $1,000 - $9,999 - Rate collected within: 43215 (OH)
5 year1.19%1.20%$50,000
5 year1.14%1.15%$060 - 84 Month Standard CD - Tier Less than $5,000 - Rate collected within: 60625 (IL)
5 year1.14%1.15%$2,50060 Month CD Tier $2,500 - $9,999 - Rate collected within: 10025 (NY)
5 year1.02%$1,000
5 year1.00%1.00%$1,000
5 year1.00%$1,000Standard CD - Rate collected within: 02144 (MA)
5 year1.00%$1,000Standard CD - Rate collected within: 19140 (PA)
5 year1.00%$1,000Standard CD - Market area NY, CT, DE, IL, MA, MI, NH, NJ, OH, PA, RI, VT - Rate collected within: 10025 (NY)
5 year0.50%0.50%$1,000Regular CD - Located in MA