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.
Rates are being gathered
We're onboarding credit unions publishing their 5-year cd rates. In the meantime, find credit unions you can join or browse the directory.
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.