Highest APY first
Best 5-year credit union CD rates
A 5-year certificate locks in today's rate for the long haul — ideal when you won't need the money soon. Compare the top 60-month credit union rates below.
Top rate
4.20%
Median
4.10%
Credit unions
15
| # | Credit union | APY | Min | As of | |
|---|---|---|---|---|---|
| 1 | BOEING EMPLOYEES TUKWILA, WA | 4.20% 60 mo | — | 7/3/2026 | View → |
| 2 | LAKE MICHIGAN Grand Rapids, MI | 4.20% 60 mo | — | 7/3/2026 | View → |
| 3 | THE GOLDEN 1 SACRAMENTO, CA | 4.20% 60 mo | — | 7/3/2026 | View → |
| 4 | MOUNTAIN AMERICA SANDY, UT | 4.15% 60 mo | — | 7/3/2026 | View → |
| 5 | RANDOLPH-BROOKS UNIVERSAL CITY, TX | 4.15% 60 mo | — | 7/3/2026 | View → |
| 6 | SCHOOLSFIRST SANTA ANA, CA | 4.15% 60 mo | — | 7/3/2026 | View → |
| 7 | AMERICA FIRST RIVERDALE, UT | 4.10% 60 mo | — | 7/3/2026 | View → |
| 8 | ENT Colorado Spring, CO | 4.10% 60 mo | — | 7/3/2026 | View → |
| 9 | STATE EMPLOYEES' RALEIGH, NC | 4.10% 60 mo | — | 7/3/2026 | View → |
| 10 | NAVY FEDERAL CREDIT UNION VIENNA, VA | 4.05% 60 mo | — | 7/3/2026 | View → |
| 11 | FIRST TECHNOLOGY SAN JOSE, CA | 4.05% 60 mo | — | 7/3/2026 | View → |
| 12 | ALLIANT CHICAGO, IL | 4.05% 60 mo | — | 7/3/2026 | View → |
| 13 | PENTAGON MCLEAN, VA | 4.00% 60 mo | — | 7/3/2026 | View → |
| 14 | IDAHO CENTRAL Chubbuck, ID | 4.00% 60 mo | — | 7/3/2026 | View → |
| 15 | SUNCOAST TAMPA, FL | 4.00% 60 mo | — | 7/3/2026 | View → |
Rates are published by each credit union and may not reflect the latest offer or your eligibility. Confirm current terms on the credit union's page before applying.
Frequently asked questions
Should I choose a 5-year CD?
A 5-year certificate makes sense for money you won't touch for years and want to grow at a guaranteed rate. Consider a CD ladder to balance access and yield.
What happens if I withdraw early?
Early withdrawal from a certificate typically incurs a penalty of several months' interest, so only commit funds you can leave untouched.