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.
| # | Credit union | APY | Min | As of | |
|---|---|---|---|---|---|
| 1 | Boeing Employees Tukwila, WA | 4.20% | — | 7/3/2026 | View → |
| 2 | Lake Michigan Caledonia, MI | 4.20% | — | 7/3/2026 | View → |
| 3 | The Golden 1 Sacramento, CA | 4.20% | — | 7/3/2026 | View → |
| 4 | Mountain America Sandy, UT | 4.15% | — | 7/3/2026 | View → |
| 5 | Randolph-Brooks Live Oak, TX | 4.15% | — | 7/3/2026 | View → |
| 6 | Schoolsfirst Tustin, CA | 4.15% | — | 7/3/2026 | View → |
| 7 | America First Riverdale, UT | 4.10% | — | 7/3/2026 | View → |
| 8 | Ent Colorado Springs, CO | 4.10% | — | 7/3/2026 | View → |
| 9 | State Employees' Raleigh, NC | 4.10% | — | 7/3/2026 | View → |
| 10 | Navy Federal Credit Union Vienna, VA | 4.05% | — | 7/3/2026 | View → |
| 11 | First Technology San Jose, CA | 4.05% | — | 7/3/2026 | View → |
| 12 | Alliant Chicago, IL | 4.05% | — | 7/3/2026 | View → |
| 13 | Pentagon Mclean, VA | 4.00% | — | 7/3/2026 | View → |
| 14 | Idaho Central Chubbuck, ID | 4.00% | — | 7/3/2026 | View → |
| 15 | Suncoast Tampa, FL | 4.00% | — | 7/3/2026 | View → |
Rates are self-reported 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.