Best 5 Year CD Rates in 2026

Name: Best 5 Year CD Rates in 2026
Creator: RateBrain

In 2026, the median 5 Year CD rate RateBrain tracked was 3.41% across 115 products. The highest was 5.25% APY from Raymond James Bank. That median was up from 3.05% in 2025.

« 2025 All years

Every 5 Year CD rate we tracked in 2026

Bank	High	Year end
Raymond James Bank	5.25%	5.15%
State Bank of India	5.09%	5.09%
Popular Direct	5.00%	5.00%
Quorum Federal Credit Union	5.00%	5.00%
Sallie Mae	5.00%	5.00%
SmartyPig	5.00%	5.00%
BTG Pactual US	4.85%	4.85%
CFG Bank	4.82%	4.82%
E*TRADE Bank	4.80%	4.80%
NASA Federal Credit Union	4.80%	4.80%
Barclays Bank	4.75%	4.75%
KS StateBank	4.75%	4.75%
Synchrony Bank	4.75%	4.75%
Bread Financial	4.70%	4.70%
Merrick Bank	4.70%	4.70%
First National Bank of America	4.60%	4.60%
Ally Bank	4.50%	4.50%
Langley Federal Credit Union	4.50%	4.50%
Skyla Credit Union	4.50%	4.50%
Third Federal Savings and Loan	4.50%	4.50%
Total Bank	4.50%	4.50%
Marcus	4.40%	4.40%
Climate First Bank	4.39%	4.39%
All In Credit Union	4.28%	4.28%
Hanscom Federal Credit Union	4.25%	4.25%
Prime Alliance Bank	4.25%	4.25%
TAB Bank	4.20%	4.20%
Self Help Credit Union	4.18%	4.18%
FourLeaf Federal Credit Union	4.15%	4.15%
RBC Bank	4.10%	4.10%
Colorado Federal Savings Bank	4.05%	4.05%
Genisys Credit Union	4.04%	4.04%
Andrews Federal Credit Union	4.00%	4.00%
First Internet Bank	4.00%	4.00%
Southeast Financial CU	4.00%	4.00%
Latino Community Credit Union	3.95%	3.95%
USALLIANCE Financial	3.95%	3.95%
Signature Federal Credit Union	3.90%	3.90%
Navy Federal Credit Union	3.85%	3.85%
Apple Federal Credit Union	3.81%	3.75%
Connexus Credit Union	3.75%	3.75%
EagleBank	3.75%	3.75%
Space Coast Credit Union	3.75%	3.75%
Northpointe Bank	3.70%	3.70%
Alliant Credit Union	3.65%	3.65%
Riverland Credit Union	4.00%	3.65%
American State Bank	3.64%	3.64%
Capital One	3.60%	3.60%
Capital One 360	3.60%	3.60%
Discover Bank	3.60%	3.60%
InTouch Credit Union	3.60%	3.60%
Lafayette Federal Credit Union	3.56%	3.56%
Academy Bank	3.51%	3.51%
CFBank	3.50%	3.50%
Patelco	3.50%	3.50%
PenFed Credit Union	3.50%	3.50%
Quaint Oak Bank	3.75%	3.45%
Virtual Bank	3.51%	3.41%
EverBank	3.40%	3.40%
First Bank of the Lake	3.40%	3.40%
Happen Bank	3.40%	3.40%
Ridgewood Savings Bank	3.40%	3.40%
BMO Alto	3.60%	3.35%
Accordia Bank	3.30%	3.30%
Provident Credit Union	3.30%	3.30%
Truliant Federal Credit Union	3.30%	3.30%
Abound Credit Union	3.25%	3.25%
Digital Federal Credit Union	3.25%	3.25%
First Tech Federal Credit Union	3.25%	3.25%
Forbright Bank	3.25%	3.25%
Carver Federal Savings Bank	3.17%	3.17%
Delta Community Credit Union	3.15%	3.15%
Justice Federal Credit Union	3.11%	3.11%
Sharonview Federal Credit Union	3.10%	3.10%
Bank of Utah	3.03%	3.03%
HOPE Credit Union	3.01%	3.01%
American Express	3.00%	3.00%
Global Credit Union	3.00%	3.00%
Goldwater Bank	4.25%	3.00%
TFCU	3.00%	3.00%
WECU	3.00%	3.00%
Amalgamated Bank	2.95%	2.95%
Citizens Access	2.75%	2.75%
City First Bank	2.75%	2.75%
Elements Financial	3.00%	2.75%
First Mid Bank & Trust	2.75%	2.75%
Mountain One Bank	2.75%	2.75%
Nat'l Bank of Kansas City	3.25%	2.75%
Quontic Bank	2.75%	2.75%
Vio Bank	2.75%	2.75%
GiantBank	2.53%	2.53%
Atlantic Union Bank	2.50%	2.50%
First Command Bank	2.50%	2.50%
HAB Bank	2.50%	2.50%
Ivy Bank	2.60%	2.50%
Ponce Bank	2.50%	2.50%
Service Credit Union	2.50%	2.50%
Salem Five	2.25%	2.25%
United Republic Bank	2.25%	2.25%
Androscoggin Bank	2.00%	2.00%
Chase Bank	2.00%	2.00%
Citibank	2.00%	2.00%
Dollar Savings Direct	2.00%	2.00%
Live Oak Bank	2.00%	2.00%
Newtek Bank	2.00%	2.00%
UNCLE Credit Union	1.84%	1.84%
Davis Trust Company	2.93%	1.41%
USAA	2.50%	1.25%
OMB Bank	0.70%	0.70%
CIT Bank	0.50%	0.50%
MidFirst Direct	0.50%	0.50%
Provident NJ	0.50%	0.50%
US Bank	0.40%	0.40%
OceanFirst Bank	0.30%	0.30%
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.