Highest 5-Year CD Rates
Compare 60-Month CD rates from 95 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top 10 Rates:4.04-4.50% APYFDIC or NCUA Insured

135 active 60-month cd products tracked

All Terms 3-Month CD 6-Month CD 9-Month CD 12-Month CD 18-Month CD 24-Month CD 36-Month CD 48-Month CD 60-Month CD

Top 50 5-Year CD Rates

Ordered by highest APY. Showing the top 50 of 135 60-month cd products tracked across 95 banks.

Rates verified: Friday, August 21, 2026

Top 50 CD terms from 35 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Popular Direct 60 Months Term: 60 months	4.50%APY Verified: Aug 20, 2026 Access: Online only	$10,000
#2	Grant County Bank 60-Month CD Term: 60 months	4.48%APY Verified: Aug 20, 2026 Access: Branch access	$1,000
#3	E*TRADE from Morgan Stanley 60-Month Certificates of Deposit Term: 60 months	4.35%APY Verified: Aug 21, 2026 Access: Online only	$0
#4	Sallie Mae Bank 60-Month Certificates of deposit CDs Term: 60 months	4.35%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#5	Synchrony Bank 60 Month CD Term: 60 months	4.35%APY Verified: Aug 21, 2026 Access: Online only	$0
#6	Synchrony Bank 60 Month IRA CD Term: 60 months	4.35%APY Verified: Aug 21, 2026 Access: Online only	$0
#7	Bread Savings 5-Year CD Term: 60 months	4.25%APY Verified: Aug 20, 2026 Access: Online only	$1,500
#8	Farmers and Merchants Union Bank 60 Month IRA CD Term: 60 months	4.09%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#9	Farmers and Merchants Union Bank 60 Month CD Term: 60 months	4.04%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#10	Farmers and Merchants Union Bank 60 Month HSA CD Term: 60 months	4.04%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#11	Marcus by Goldman Sachs 5 Year CD Term: 60 months	4.00%APY Verified: Aug 21, 2026 Access: Online only	$500
#12	Poppy Bank 60-Month IRA CD Term: 60 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#13	FinWise Bank 60-Month Certificate Term: 60 months	3.84%APY Verified: Aug 16, 2026 Access: Branch access	$500
#14	Colorado Federal Savings Bank 60-Month CD Term: 60 months	3.80%APY Verified: Aug 20, 2026 Access: Online only	$5,000
#15	Global Bank 60-Month Certificate of Deposit Term: 60 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#16	Capital One 60-Month CD Term: 60 months	3.60%APY Verified: Aug 21, 2026 Access: Branch access	$0
#17	First Federal Bank of Kansas City 60-Month CD Term: 60 months	3.60%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#18	Geddes Federal Savings and Loan Association 60 Month IRA CD Term: 60 months	3.56%APY Verified: Aug 19, 2026 Access: Branch access	$500
#19	Garden Plain State Bank 5 Year CD Term: 60 months	3.55%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#20	Ally Bank 5 Yr IRA CD Term: 60 months	3.50%APY Verified: Aug 21, 2026 Access: Online only	$0
#21	Ally Bank 5 Yr CD Term: 60 months	3.50%APY Verified: Aug 21, 2026 Access: Online only	$0
#22	Farmers & Merchants State Bank 60 Month Reverse CD Term: 60 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$500
#23	Garden Plain State Bank 5 Year IRA CD Term: 60 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#24	Global Bank 60-Month Traditional IRA CD Term: 60 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#25	Global Bank 60-Month Roth IRA CD Term: 60 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#26	RBMAX 60-Month Available CDs Term: 60 months	3.50%APY Verified: Aug 19, 2026 Access: Online only	$1,000
#27	Bonanza Valley State Bank 60-Month CD Term: 60 months	3.40%APY Verified: Aug 19, 2026 Access: Branch access	$500
#28	EverBank 60-Month CD Term: 60 months	3.40%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#29	Happen Bank 5-Year CD Term: 60 months	3.40%APY Verified: Aug 20, 2026 Access: Online only	$500
#30	Farm Bureau Bank FSB 5 Year CD Term: 60 months	3.35%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#31	Farmers State Bank 5 Year CD Term: 60 months	3.35%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#32	Farmers State Bank 5 Year IRA Term: 60 months	3.35%APY Verified: Aug 19, 2026 Access: Branch access	$500
#33	FirstBank of Nebraska 60 Month CD Term: 60 months	3.25%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#34	FirstBank of Nebraska 60 Month IRA CD Term: 60 months	3.25%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#35	Forbright Bank 60-Month Growth CD Term: 60 months	3.25%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#36	Forbright Bank 60-Month CD Term: 60 months	3.25%APY Verified: Aug 20, 2026 Access: Branch access	$1,000
#37	StonehamBank, A Co-operative Bank 60-Month CD Term: 60 months	3.25%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#38	StonehamBank, A Co-operative Bank IRA 60-Month CD Term: 60 months	3.25%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#39	Peoples State Bank of Plainview 60-Month CD Term: 60 months	3.24%APY Verified: Aug 19, 2026 Access: Branch access	$250
#40	Carver Bank 60 Month CD Term: 60 months	3.17%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#41	Farm Bureau Bank FSB 5 Year CD with Step-Up Option Term: 60 months	3.10%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#42	Farmers & Merchants State Bank 60 Month CD Term: 60 months	3.05%APY Verified: Aug 21, 2026 Access: Branch access	$500
#43	First Federal Savings and Loan Association of Central Illinois, S.B. 60 Month CD Term: 60 months	3.05%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#44	First Federal Savings and Loan Association of Central Illinois, S.B. 60 Month IRA Term: 60 months	3.05%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#45	First State Bank 60 Month CD Term: 60 months	3.02%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#46	American Express 60-Month CD Term: 60 months	3.00%APY Verified: Aug 21, 2026 Access: Online only	$0
#47	BMO Alto 60-Month CD Term: 60 months	3.00%APY Verified: Aug 19, 2026 Access: Online only	$0
#48	Florence Bank 60 Month CD Term: 60 months	3.00%APY Verified: Aug 19, 2026 Access: Branch access	$500
#49	Florence Bank 60 Month IRA CD Term: 60 months	3.00%APY Verified: Aug 19, 2026 Access: Branch access	$500
#50	Lindell Bank & Trust Company 60-Month Certificates of Deposit Term: 60 months	3.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000

Popular Direct

60 Months

Term: 60 months

4.50%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Online only

Grant County Bank

60-Month CD

Term: 60 months

4.48%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Branch access

E*TRADE from Morgan Stanley

60-Month Certificates of Deposit

Term: 60 months

4.35%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Sallie Mae Bank

60-Month Certificates of deposit CDs

Term: 60 months

4.35%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

Synchrony Bank

60 Month CD

Term: 60 months

4.35%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Synchrony Bank

60 Month IRA CD

Term: 60 months

4.35%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Bread Savings

5-Year CD

Term: 60 months

4.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,500

Access

Online only

Farmers and Merchants Union Bank

60 Month IRA CD

Term: 60 months

4.09%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

Farmers and Merchants Union Bank

60 Month CD

Term: 60 months

4.04%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#10

Farmers and Merchants Union Bank

60 Month HSA CD

Term: 60 months

4.04%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#11

Marcus by Goldman Sachs

5 Year CD

Term: 60 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#12

Poppy Bank

60-Month IRA CD

Term: 60 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#13

FinWise Bank

60-Month Certificate

Term: 60 months

3.84%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#14

Colorado Federal Savings Bank

60-Month CD

Term: 60 months

3.80%

APY

Verified: Aug 20, 2026

Min Deposit

$5,000

Access

Online only

#15

Global Bank

60-Month Certificate of Deposit

Term: 60 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#16

Capital One

60-Month CD

Term: 60 months

3.60%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Branch access

#17

First Federal Bank of Kansas City

60-Month CD

Term: 60 months

3.60%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#18

Geddes Federal Savings and Loan Association

60 Month IRA CD

Term: 60 months

3.56%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#19

Garden Plain State Bank

5 Year CD

Term: 60 months

3.55%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#20

Ally Bank

5 Yr IRA CD

Term: 60 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#21

Ally Bank

5 Yr CD

Term: 60 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#22

Farmers & Merchants State Bank

60 Month Reverse CD

Term: 60 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#23

Garden Plain State Bank

5 Year IRA CD

Term: 60 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#24

Global Bank

60-Month Traditional IRA CD

Term: 60 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#25

Global Bank

60-Month Roth IRA CD

Term: 60 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#26

RBMAX

60-Month Available CDs

Term: 60 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Online only

#27

Bonanza Valley State Bank

60-Month CD

Term: 60 months

3.40%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#28

EverBank

60-Month CD

Term: 60 months

3.40%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#29

Happen Bank

5-Year CD

Term: 60 months

3.40%

APY

Verified: Aug 20, 2026

Min Deposit

$500

Access

Online only

#30

Farm Bureau Bank FSB

5 Year CD

Term: 60 months

3.35%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#31

Farmers State Bank

5 Year CD

Term: 60 months

3.35%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#32

Farmers State Bank

5 Year IRA

Term: 60 months

3.35%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#33

FirstBank of Nebraska

60 Month CD

Term: 60 months

3.25%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#34

FirstBank of Nebraska

60 Month IRA CD

Term: 60 months

3.25%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#35

Forbright Bank

60-Month Growth CD

Term: 60 months

3.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#36

Forbright Bank

60-Month CD

Term: 60 months

3.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Branch access

#37

StonehamBank, A Co-operative Bank

60-Month CD

Term: 60 months

3.25%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#38

StonehamBank, A Co-operative Bank

IRA 60-Month CD

Term: 60 months

3.25%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#39

Peoples State Bank of Plainview

60-Month CD

Term: 60 months

3.24%

APY

Verified: Aug 19, 2026

Min Deposit

$250

Access

Branch access

#40

Carver Bank

60 Month CD

Term: 60 months

3.17%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#41

Farm Bureau Bank FSB

5 Year CD with Step-Up Option

Term: 60 months

3.10%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#42

Farmers & Merchants State Bank

60 Month CD

Term: 60 months

3.05%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#43

First Federal Savings and Loan Association of Central Illinois, S.B.

60 Month CD

Term: 60 months

3.05%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#44

First Federal Savings and Loan Association of Central Illinois, S.B.

60 Month IRA

Term: 60 months

3.05%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#45

First State Bank

60 Month CD

Term: 60 months

3.02%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#46

American Express

60-Month CD

Term: 60 months

3.00%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#47

BMO Alto

60-Month CD

Term: 60 months

3.00%

APY

Verified: Aug 19, 2026

Min Deposit

Access

Online only

#48

Florence Bank

60 Month CD

Term: 60 months

3.00%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#49

Florence Bank

60 Month IRA CD

Term: 60 months

3.00%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#50

Lindell Bank & Trust Company

60-Month Certificates of Deposit

Term: 60 months

3.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access