Best 5 Year CD Rates in 2025
In 2025, the median 5 Year CD rate RateBrain tracked was 3.30% across 33 products. The highest was 4.90% APY from BMO Alto. That median was up from 3.20% in 2024.
Every 5 Year CD rate we tracked in 2025
| Bank | High | Year end |
|---|---|---|
| Bread Financial | 4.25% | 4.25% |
| CFG Bank | 4.05% | 4.05% |
| Riverland Credit Union | 4.00% | 4.00% |
| Sallie Mae | 4.00% | 4.00% |
| Marcus | 3.90% | 3.90% |
| Apple Federal Credit Union | 4.00% | 3.81% |
| Colorado Federal Savings Bank | 3.80% | 3.80% |
| Quaint Oak Bank | 3.75% | 3.75% |
| Synchrony Bank | 4.15% | 3.75% |
| BMO Alto | 4.90% | 3.60% |
| Capital One | 3.75% | 3.60% |
| Capital One 360 | 3.75% | 3.60% |
| Discover Bank | 3.75% | 3.60% |
| Ally Bank | 3.50% | 3.50% |
| First Internet Bank | 3.97% | 3.45% |
| EverBank | 3.50% | 3.40% |
| Popular Direct | 4.25% | 3.30% |
| Abound Credit Union | 3.25% | 3.25% |
| Total Direct Bank | 3.05% | 3.05% |
| Academy Bank | 3.03% | 3.03% |
| American Express | 3.00% | 3.00% |
| Elements Financial | 3.00% | 3.00% |
| Patelco | 3.00% | 3.00% |
| TFCU | 3.00% | 3.00% |
| PenFed Credit Union | 3.20% | 2.90% |
| Ivy Bank | 2.60% | 2.60% |
| Barclays Bank | 3.25% | 2.00% |
| Connexus Credit Union | 2.78% | 2.00% |
| Mountain One Bank | 2.00% | 2.00% |
| Newtek Bank | 2.00% | 2.00% |
| CIT Bank | 0.50% | 0.50% |
| Nationwide Bank | 0.20% | 0.20% |
| Bank of America | 0.03% | 0.03% |
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.