Best 5 Year CD Rates in 2026
In 2026, the median 5 Year CD rate RateBrain tracked was 3.50% across 31 products. The highest was 4.58% APY from State Bank of India. That median was up from 3.30% in 2025.
Every 5 Year CD rate we tracked in 2026
| Bank | High | Year end |
|---|---|---|
| State Bank of India | 4.58% | 4.58% |
| Bread Financial | 4.50% | 4.50% |
| Popular Direct | 4.50% | 4.50% |
| Sallie Mae | 4.40% | 4.40% |
| Marcus | 4.35% | 4.35% |
| Synchrony Bank | 4.35% | 4.35% |
| CFG Bank | 4.30% | 4.30% |
| Ally Bank | 4.00% | 4.00% |
| Colorado Federal Savings Bank | 3.95% | 3.95% |
| Total Direct Bank | 3.76% | 3.76% |
| EagleBank | 3.75% | 3.75% |
| Riverland Credit Union | 4.00% | 3.65% |
| Capital One | 3.60% | 3.60% |
| Capital One 360 | 3.60% | 3.60% |
| Discover Bank | 3.60% | 3.60% |
| Patelco | 3.50% | 3.50% |
| First Internet Bank | 3.45% | 3.45% |
| Quaint Oak Bank | 3.75% | 3.45% |
| EverBank | 3.40% | 3.40% |
| Academy Bank | 3.03% | 3.03% |
| American Express | 3.00% | 3.00% |
| BMO Alto | 3.60% | 3.00% |
| Connexus Credit Union | 3.00% | 3.00% |
| TFCU | 3.00% | 3.00% |
| PenFed Credit Union | 2.90% | 2.90% |
| Elements Financial | 3.00% | 2.75% |
| Mountain One Bank | 2.75% | 2.75% |
| Ivy Bank | 2.60% | 2.50% |
| Barclays Bank | 2.00% | 2.00% |
| Newtek Bank | 2.00% | 2.00% |
| CIT Bank | 0.50% | 0.50% |
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.