Why should I get a 5-year CD?

5-year CDs typically offer a significantly higher APY than CDs with shorter terms. Depending on your initial deposit amount, you can earn more interest by opening a 5-year CD.

Is a 5-year CD worth it?

A 5-year CD is worth opening if you can afford to deposit funds and leave them untouched for that long. If not, then it's better to opt for a shorter term or reduce your risk through CD laddering.

How does a 5-year CD work?

Like other CD terms, you open a 5-year CD with an initial deposit in exchange for an interest rate. As long as you leave your deposit in the CD account for five years, your money will grow at the advertised rate. For instance, if you deposit $10,000 in a 5-year CD with an APY of 4.20%, you would earn roughly $2,284 in interest for a total of $12,284 at the end of your term.

Best 5-Year CD Rates of December 2024

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page. APY = Annual Percentage Yield. APYs are subject to change at any time without notice.

While shorter CDs in 2024 have higher APYs and offer more flexibility, 5-year CDs could let you ride out today's high interest rates for a potentially longer period.

To find the best 5-year CD rates, we spent hours evaluating CDs from over 100 banks. Our highest-rated CDs include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust, and ease of use.

Here are the best 5-year CDs we've found.

Why trust The Motley Fool

Our team of experts assessed 100+ banking institutions
We evaluate all banking institutions across the same 4 key criteria: annual percentage yield (APY), brand reputation, fees and minimum requirements, and additional perks
Our bank ratings are never influenced by our advertising partners
We strictly feature products that offer federal insurance and high customer satisfaction, keeping our recommendations unbiased

Our picks for the best 5-year CDs

Synchrony Online CD 5 Year: 4.00% APY
Sallie Mae CD 5 Year: 3.75% APY
Alliant CD 5 Year: 3.65% APY
Ally High Yield CD 5 Year: 3.60% APY
Bread Savings CD 5 Year: 3.50% APY
Capital One 360 CD 5 Year: 3.50% APY
Discover® Bank CD 5 Year: 3.40% APY
LendingClub CD 5 Year: 3.40% APY
Barclays Online CD 5 Year: 3.25% APY
Quontic CD 5 Year: 3.00% APY

How to compare the best 5-year CD rates

Most 5-year CDs offer the ability to earn a high APY. Right now you'll find top rates of between 3.75% and 4.35% APY.

That's high compared with the current national average on 5-year CDs (1.38%!) as reported by the FDIC.

While getting a high APY is important, it's not the only factor to take into account. As you're comparing CD providers, here are some other things to consider.

Minimum deposit: Some CDs require you to commit several thousand dollars to open an account, while others will have no requirement whatsoever. Jumbo CDs may carry an even greater financial commitment.
Fees: You are unlikely to be charged maintenance fees on a CD. However, a few do carry these charges. Double-check for unexpected fees before you open an account.
Withdrawal penalties: If you end up needing funds before your CD fully matures, you might need to pay a withdrawal penalty. The amount you'll pay varies from bank to bank, but it typically equals a certain amount of interest you would earn, like three months' worth. If you think you might need the money sooner, weigh up the penalty you'll pay against the higher interest you'll earn.
Compounding interest: Interest on CDs usually compounds daily, weekly, or monthly. An account that compounds daily will earn you slightly more money in the long run because you'll be earning interest on your interest every day.
Interest payouts: Many CD providers let you choose whether to add your interest to your account balance or receive a payout monthly, quarterly, or even annually. So, if you're interested in receiving your CD interest early, make sure your bank allows you to withdraw your earnings.
FDIC insurance: Make sure that the CD that you choose is FDIC insured, which will cover up to $250,000 per depositor. Although this seems like a given, it's always good to verify details like this -- especially during times when security is at a premium. CD funds held at credit unions are protected by the NCUA.

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Compare the top 5-year CDs

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Rates as of Dec. 18, 2024

Best Certificates of Deposits (CDs) of December 2024 picks.
Bank & CD Offer	APY	Term	Min. Deposit	Next Steps
Barclays Online CD Member FDIC.	APY: 3.25%	Term: 5 Year	Min. Deposit: $0	Open Account for Barclays Online CD On Barclays' Secure Website.
Discover® Bank CD Member FDIC.	APY: 3.40%	Term: 5 Year	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
Quontic CD Member FDIC.	APY: 3.00%	Term: 5 Year	Min. Deposit: $500	Open Account for On Secure Website.
LendingClub CD Member FDIC.	APY: 3.40%	Term: 5 Year	Min. Deposit: $2,500	Open Account for LendingClub CD On LendingClub's Secure Website.
Synchrony Online CD Member FDIC.	APY: 4.00%	Term: 5 Year	Min. Deposit: $0	Read Review
Ally High Yield CD Member FDIC.	APY: 3.60%	Term: 5 Year	Min. Deposit: $0	Read Review
Bread Savings CD Member FDIC.	APY: 3.50%	Term: 5 Year	Min. Deposit: $1,500	Read Review
Sallie Mae CD	APY: 3.75%	Term: 5 Year	Min. Deposit: $2,500	Read Review
Capital One 360 CD Member FDIC.	APY: 3.50%	Term: 5 Year	Min. Deposit: $0	Read Review
Alliant CD Member FDIC.	APY: 3.65%	Term: 5 Year	Min. Deposit: $1,000	Read Review
Freedom Bank High-Yield CDs from Raisin	APY: 4.30%	Term: 1 Months	Min. Deposit: $1	Read Review
Huntington Bank Standard CD Member FDIC.	APY: 0.05%	Term: 1 Months	Min. Deposit: $1,000
Discover® Bank CD Member FDIC.	APY: 2.00%	Term: 3 Months	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
First National Bank Standard CD Member FDIC.	APY: 1.00%	Term: 3 Months	Min. Deposit: $500
Wells Fargo Standard CD Member FDIC.	APY: up to 2.01%	Term: 3 Months	Min. Deposit: $2,500 for Standard, $5,000 for Special	Read Review
Flushing Bank CD Member FDIC.	APY: 4.50%	Term: 3 Months	Min. Deposit: $1,000	Read Review
Popular Direct CD Member FDIC.	APY: 4.65%	Term: 3 Months	Min. Deposit: $10,000	Read Review
Freedom Bank High-Yield CDs from Raisin	APY: 4.30%	Term: 3 Months	Min. Deposit: $1	Read Review
Western Alliance Bank CD	APY: 4.50%	Term: 3 Months	Min. Deposit: $1	Open Account for On Secure Website.
Bask Bank CD Member FDIC.	APY: 4.65%	Term: 3 Months	Min. Deposit: $1,000	Read Review
Ally High Yield CD Member FDIC.	APY: 3.00%	Term: 3 Months	Min. Deposit: $0	Read Review
NexBank Standard CD Member FDIC.	APY: 3.71%	Term: 3 Months	Min. Deposit: $10,000	Read Review
Third Federal Standard CD Member FDIC.	APY: 2.00%	Term: 3 Months	Min. Deposit: $500	Read Review
Charles Schwab CD Member FDIC.	APY: up to 4.63%	Term: 3 Months	Min. Deposit: $1,000	Read Review
Huntington Bank Standard CD Member FDIC.	APY: 0.05%	Term: 3 Months	Min. Deposit: $1,000
Bread Savings CD Member FDIC.	APY: 3.80%	Term: 3 Months	Min. Deposit: $1,500	Read Review
Chase Standard CD Member FDIC.	APY: up to 4.75%	Term: 3 Months	Min. Deposit: $1,000	Read Review
Wells Fargo Standard CD Member FDIC.	APY: up to 4.51%	Term: 4 Months	Min. Deposit: $2,500 for Standard, $5,000 for Special	Read Review
Pacific Western Bank Member FDIC.	APY: 4.90%	Term: 5 Months	Min. Deposit: —	Read Review
My Banking Direct CD Member FDIC.	APY: 5.50%	Term: 5 Months	Min. Deposit: $2,500	Read Review
First National Bank Special CD Member FDIC.	APY: 4.75%	Term: 5 Months	Min. Deposit: $5,000 or $10,000, depending on term
NexBank Standard CD Member FDIC.	APY: 4.24%	Term: 6 Months	Min. Deposit: $10,000	Read Review
Edward Jones CD Member FDIC.	APY: 5.30%	Term: 6 Months	Min. Deposit: $1,000	Read Review
BMO Bank Member FDIC.	APY: 0.05%	Term: 6 Months	Min. Deposit: $1,000	Read Review
First National Bank Standard CD Member FDIC.	APY: 1.00%	Term: 6 Months	Min. Deposit: $500
Chase Standard CD Member FDIC.	APY: 3.00%	Term: 6 Months	Min. Deposit: $1,000	Read Review
Wells Fargo Standard CD Member FDIC.	APY: up to 2.01%	Term: 6 Months	Min. Deposit: $2,500 for Standard, $5,000 for Special	Read Review
Citi CD Member FDIC.	APY: 3.50%	Term: 6 Months	Min. Deposit: $500	Read Review
Generations Bank High-Yield CD from Raisin	APY: 5.21%	Term: 6 Months	Min. Deposit: $1	Read Review
LendingClub CD Member FDIC.	APY: 4.00%	Term: 6 Months	Min. Deposit: $2,500	Open Account for LendingClub CD On LendingClub's Secure Website.
Bread Savings CD Member FDIC.	APY: 4.75%	Term: 6 Months	Min. Deposit: $1,500	Read Review
Charles Schwab CD Member FDIC.	APY: up to 4.35%	Term: 6 Months	Min. Deposit: $1,000	Read Review
Valley Bank CD Member FDIC.	APY: 4.75%	Term: 6 Months	Min. Deposit: $500
EverBank Performance℠ CD	APY: 4.00%	Term: 6 Months	Min. Deposit: $1,000	Read Review
Capital One 360 CD Member FDIC.	APY: 3.80%	Term: 6 Months	Min. Deposit: $0	Read Review
Arvest Bank CD Member FDIC.	APY: up to 4.30%	Term: 6 Months	Min. Deposit: $1,000	Read Review
CIT Bank CD Member FDIC.	APY: 3.00%	Term: 6 Months	Min. Deposit: $1,000	Open Account for CIT Bank CD On CIT's Secure Website.
Quontic CD Member FDIC.	APY: 4.25%	Term: 6 Months	Min. Deposit: $500	Open Account for On Secure Website.
Synchrony Online CD Member FDIC.	APY: 4.20%	Term: 6 Months	Min. Deposit: $0	Read Review
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 6 Months	Min. Deposit: $1,000
Third Federal Standard CD Member FDIC.	APY: 3.00%	Term: 6 Months	Min. Deposit: $500	Read Review
Vio Bank High-Yield CD Member FDIC.	APY: 4.70%	Term: 6 Months	Min. Deposit: $500	Read Review
First Tech CD	APY: up to 4.91%	Term: 6 Months	Min. Deposit: $500	Read Review
Salem Five Bank CD Member FDIC.	APY: 4.50%	Term: 6 Months	Min. Deposit: $10,000	Read Review
Bask Bank CD Member FDIC.	APY: 4.45%	Term: 6 Months	Min. Deposit: $1,000	Read Review
Ponce Bank High-Yield CD from Raisin	APY: 4.00%	Term: 6 Months	Min. Deposit: $1	Read Review
Western Alliance Bank CD	APY: 4.40%	Term: 6 Months	Min. Deposit: $1	Open Account for On Secure Website.
First Internet Bank of Indiana CD Member FDIC.	APY: 4.35%	Term: 6 Months	Min. Deposit: $1,000	Read Review
Vanguard Brokered CD Member FDIC.	APY: 5.25%	Term: 6 Months	Min. Deposit: $1,000
TD Bank CD Member FDIC.	APY: 1.00% - 4.00%	Term: 6 Months	Min. Deposit: $250.00	Read Review
Santander Bank CD Member FDIC.	APY: 4.15%	Term: 6 Months	Min. Deposit: $500	Read Review
Prime Alliance Bank CD Member FDIC.	APY: 4.65%	Term: 6 Months	Min. Deposit: $500	Read Review
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 4.10%	Term: 6 Months	Min. Deposit: $500	Read Review
Generations Bank CD Member FDIC.	APY: 5.00%	Term: 6 Months	Min. Deposit: $1,000	Read Review
E*TRADE CD Member FDIC.	APY: 4.25%	Term: 6 Months	Min. Deposit: $0	Read Review
Freedom Bank High-Yield CDs from Raisin	APY: 4.20%	Term: 6 Months	Min. Deposit: $1	Read Review
Popular Direct CD Member FDIC.	APY: 4.40%	Term: 6 Months	Min. Deposit: $10,000	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 0.50%	Term: 6 Months	Min. Deposit: $1,000	Read Review
Ally High Yield CD Member FDIC.	APY: 4.40%	Term: 6 Months	Min. Deposit: $0	Read Review
All America Bank CD Member FDIC.	APY: 4.50%	Term: 6 Months	Min. Deposit: $500	Read Review
Sallie Mae CD	APY: 3.95%	Term: 6 Months	Min. Deposit: $2,500	Read Review
NASA Federal Credit Union Share Certificate Federally insured by NCUA.	APY: 4.80%	Term: 6 Months	Min. Deposit: $1,000
Fidelity CD Member FDIC.	APY: 5.25%	Term: 6 Months	Min. Deposit: $1,000	Read Review
Discover® Bank CD Member FDIC.	APY: 3.70%	Term: 6 Months	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
Citi CD Member FDIC.	APY: 3.50%	Term: 7 Months	Min. Deposit: $500	Read Review
Wells Fargo Standard CD Member FDIC.	APY: up to 4.26%	Term: 7 Months	Min. Deposit: $2,500 for Standard, $5,000 for Special	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 4.34%	Term: 7 Months	Min. Deposit: $1,000	Read Review
Huntington Bank Promotional CD Member FDIC.	APY: 5.13%	Term: 7 Months	Min. Deposit: $1,000
Ponce Bank CDs Member FDIC.	APY: 5.25%	Term: 7 Months	Min. Deposit: $1,000
Old National Bank CD Member FDIC.	APY: 4.75%	Term: 7 Months	Min. Deposit: $500	Read Review
First National Bank Special CD Member FDIC.	APY: 4.50%	Term: 7 Months	Min. Deposit: $5,000 or $10,000, depending on term
Pacific Western Bank Member FDIC.	APY: 5.00%	Term: 7 Months	Min. Deposit: —	Read Review
Western Alliance Bank CD	APY: 4.35%	Term: 9 Months	Min. Deposit: $1	Open Account for On Secure Website.
Bask Bank CD Member FDIC.	APY: 4.30%	Term: 9 Months	Min. Deposit: $1,000	Read Review
Flushing Bank CD Member FDIC.	APY: 3.75%	Term: 9 Months	Min. Deposit: $1,000	Read Review
Discover® Bank CD Member FDIC.	APY: 3.80%	Term: 9 Months	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
Ally High Yield CD Member FDIC.	APY: 4.30%	Term: 9 Months	Min. Deposit: $0	Read Review
Forbright Bank CD Member FDIC.	APY: 5.30%	Term: 9 Months	Min. Deposit: $1,000	Read Review
Freedom Bank No Penalty CDs from Raisin	APY: 3.65%	Term: 9 Months	Min. Deposit: $1	Read Review
Chase Standard CD Member FDIC.	APY: up to 4.50%	Term: 9 Months	Min. Deposit: $1,000	Read Review
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 4.10%	Term: 9 Months	Min. Deposit: $500	Read Review
NASA Federal Credit Union High-Yield Certificate Federally insured by NCUA.	APY: 4.99%	Term: 9 Months	Min. Deposit: $10,000
Sallie Mae CD	APY: 4.00%	Term: 9 Months	Min. Deposit: $2,500	Read Review
Citi CD Member FDIC.	APY: 2.50%	Term: 9 Months	Min. Deposit: $500	Read Review
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 9 Months	Min. Deposit: $1,000
TD Bank CD Member FDIC.	APY: 1.00% - 4.00%	Term: 9 Months	Min. Deposit: $250.00	Read Review
Bread Savings CD Member FDIC.	APY: 3.80%	Term: 9 Months	Min. Deposit: $1,500	Read Review
Salem Five Bank CD Member FDIC.	APY: 4.25%	Term: 9 Months	Min. Deposit: $10,000	Read Review
E*TRADE CD Member FDIC.	APY: 4.25%	Term: 9 Months	Min. Deposit: $0	Read Review
LendingClub CD Member FDIC.	APY: 4.25%	Term: 10 Months	Min. Deposit: $2,500	Open Account for On Secure Website.
Generations Bank High-Yield CD from Raisin	APY: 5.31%	Term: 10 Months	Min. Deposit: $1	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 4.04%	Term: 11 Months	Min. Deposit: $1,000	Read Review
CIT Bank No-Penalty CD Member FDIC.	APY: 3.50%	Term: 11 Months	Min. Deposit: $1,000	Open Account for CIT Bank No-Penalty CD On CIT's Secure Website.
Huntington Bank Promotional CD Member FDIC.	APY: 4.86%	Term: 11 Months	Min. Deposit: $1,000
American Express National Bank CD Member FDIC.	APY: 3.75%	Term: 11 Months	Min. Deposit: $0	Read Review
Prime Alliance Bank CD Member FDIC.	APY: 4.50%	Term: 1 Year	Min. Deposit: $500	Read Review
Arvest Bank CD Member FDIC.	APY: up to 4.05%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Chase Standard CD Member FDIC.	APY: 2.00%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Discover® Bank CD Member FDIC.	APY: 4.00%	Term: 1 Year	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 4.10%	Term: 1 Year	Min. Deposit: $500	Read Review
Capital One 360 CD Member FDIC.	APY: 4.00%	Term: 1 Year	Min. Deposit: $0	Read Review
EverBank Performance℠ CD	APY: 4.00%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 1 Year	Min. Deposit: $1,000
Bread Savings CD Member FDIC.	APY: 4.30%	Term: 1 Year	Min. Deposit: $1,500	Read Review
First National Bank Standard CD Member FDIC.	APY: 1.00%	Term: 1 Year	Min. Deposit: $500
Flushing Bank CD Member FDIC.	APY: 3.85%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 0.75%	Term: 1 Year	Min. Deposit: $1,000	Read Review
BMO Bank Member FDIC.	APY: 2.00%	Term: 1 Year	Min. Deposit: $1,000	Read Review
First Internet Bank of Indiana CD Member FDIC.	APY: 4.42%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Western Alliance Bank CD	APY: 4.25%	Term: 1 Year	Min. Deposit: $1	Open Account for On Secure Website.
TD Bank CD Member FDIC.	APY: 1.00% - 3.75%	Term: 1 Year	Min. Deposit: $250.00	Read Review
Citi CD Member FDIC.	APY: 2.50%	Term: 1 Year	Min. Deposit: $500	Read Review
Forbright Bank CD Member FDIC.	APY: 5.25%	Term: 1 Year	Min. Deposit: $1,000	Read Review
E*TRADE CD Member FDIC.	APY: 4.25%	Term: 1 Year	Min. Deposit: $0	Read Review
Vio Bank High-Yield CD Member FDIC.	APY: 4.20%	Term: 1 Year	Min. Deposit: $500	Read Review
Barclays Online CD Member FDIC.	APY: 4.15%	Term: 1 Year	Min. Deposit: $0	Open Account for Barclays Online CD On Barclays' Secure Website.
First Tech CD	APY: up to 4.55%	Term: 1 Year	Min. Deposit: $500	Read Review
Freedom Bank High-Yield CDs from Raisin	APY: 4.00%	Term: 1 Year	Min. Deposit: $1	Read Review
Third Federal Standard CD Member FDIC.	APY: 1.50%	Term: 1 Year	Min. Deposit: $500	Read Review
Sallie Mae CD	APY: 4.10%	Term: 1 Year	Min. Deposit: $2,500	Read Review
Vanguard Brokered CD Member FDIC.	APY: 5.40%	Term: 1 Year	Min. Deposit: $1,000
NASA Federal Credit Union Share Certificate Federally insured by NCUA.	APY: 4.40%	Term: 1 Year	Min. Deposit: $1,000
Ally High Yield CD Member FDIC.	APY: 4.25%	Term: 1 Year	Min. Deposit: $0	Read Review
Fidelity CD Member FDIC.	APY: 5.05%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Edward Jones CD Member FDIC.	APY: 5.05%	Term: 1 Year	Min. Deposit: $1,000	Read Review
LendingClub CD Member FDIC.	APY: 4.00%	Term: 1 Year	Min. Deposit: $2,500	Open Account for LendingClub CD On LendingClub's Secure Website.
All America Bank CD Member FDIC.	APY: 4.25%	Term: 1 Year	Min. Deposit: $500	Read Review
NexBank Standard CD Member FDIC.	APY: 4.37%	Term: 1 Year	Min. Deposit: $10,000	Read Review
Salem Five Bank CD Member FDIC.	APY: 4.00%	Term: 1 Year	Min. Deposit: $10,000	Read Review
Connexus Credit Union Share CD	APY: 4.51%	Term: 1 Year	Min. Deposit: $5,000	Read Review
Freedom Bank No Penalty CDs from Raisin	APY: 3.75%	Term: 1 Year	Min. Deposit: $1	Read Review
American Express National Bank CD Member FDIC.	APY: 3.60%	Term: 1 Year	Min. Deposit: $0	Read Review
Popular Direct CD Member FDIC.	APY: 4.30%	Term: 1 Year	Min. Deposit: $10,000	Read Review
Tab Bank CD Member FDIC.	APY: 4.25%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Quontic CD Member FDIC.	APY: 4.00%	Term: 1 Year	Min. Deposit: $500	Open Account for On Secure Website.
Citizens CD Member FDIC.	APY: 5.00%	Term: 1 Year	Min. Deposit: $5,000	Read Review
Synchrony Online CD Member FDIC.	APY: 4.40%	Term: 1 Year	Min. Deposit: $0	Read Review
Valley Bank CD Member FDIC.	APY: 4.50%	Term: 1 Year	Min. Deposit: $500
Generations Bank CD Member FDIC.	APY: 5.20%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Charles Schwab CD Member FDIC.	APY: up to 4.50%	Term: 1 Year	Min. Deposit: $1,000	Read Review
Bask Bank CD Member FDIC.	APY: 4.25%	Term: 1 Year	Min. Deposit: $1,000	Read Review
CIT Bank CD Member FDIC.	APY: 3.50%	Term: 13 Months	Min. Deposit: $1,000	Open Account for CIT Bank CD On CIT's Secure Website.
Pacific Western Bank Member FDIC.	APY: 5.15%	Term: 13 Months	Min. Deposit: —	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 4.33%	Term: 13 Months	Min. Deposit: $1,000	Read Review
First National Bank Special CD Member FDIC.	APY: 4.00%	Term: 13 Months	Min. Deposit: $5,000 or $10,000, depending on term
BMO CD Specials Member FDIC.	APY: 4.00%	Term: 13 Months	Min. Deposit: $1,000	Read Review
SchoolsFirst Federal Credit Union CD Federally insured by NCUA.	APY: 5.00%	Term: 13 Months	Min. Deposit: $500
Santander Bank CD Member FDIC.	APY: 4.00%	Term: 13 Months	Min. Deposit: $500	Read Review
Citi CD Member FDIC.	APY: 0.50% to 1.01%	Term: 15 Months	Min. Deposit: $500	Read Review
NASA Federal Credit Union High-Yield Certificate Federally insured by NCUA.	APY: 4.54%	Term: 15 Months	Min. Deposit: $10,000
Golden 1 Credit Union CD Federally insured by NCUA.	APY: 5.10%	Term: 16 Months	Min. Deposit: $500	Read Review
Sallie Mae CD	APY: 3.80%	Term: 1.5 Year	Min. Deposit: $2,500	Read Review
CIT Bank CD Member FDIC.	APY: 3.00%	Term: 1.5 Year	Min. Deposit: $1,000	Open Account for CIT Bank CD On CIT's Secure Website.
Alliant CD Member FDIC.	APY: 4.25%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
LendingClub CD Member FDIC.	APY: 3.75%	Term: 1.5 Year	Min. Deposit: $2,500	Open Account for LendingClub CD On LendingClub's Secure Website.
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 1.5 Year	Min. Deposit: $1,000
Tab Bank CD Member FDIC.	APY: 3.95%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
Fidelity CD Member FDIC.	APY: 5.00%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
Charles Schwab CD Member FDIC.	APY: up to 4.25%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
Capital One 360 CD Member FDIC.	APY: 3.70%	Term: 1.5 Year	Min. Deposit: $0	Read Review
NexBank Standard CD Member FDIC.	APY: 3.98%	Term: 1.5 Year	Min. Deposit: $10,000	Read Review
Ally High Yield CD Member FDIC.	APY: 4.00%	Term: 1.5 Year	Min. Deposit: $0	Read Review
TD Bank CD Member FDIC.	APY: 1.00% - 3.00%	Term: 1.5 Year	Min. Deposit: $250.00	Read Review
Edward Jones CD Member FDIC.	APY: 5.00%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
Bread Savings CD Member FDIC.	APY: 3.80%	Term: 1.5 Year	Min. Deposit: $1,500	Read Review
First Internet Bank of Indiana CD Member FDIC.	APY: 4.15%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
Synchrony Online CD Member FDIC.	APY: 4.25%	Term: 1.5 Year	Min. Deposit: $0	Read Review
Vanguard Brokered CD Member FDIC.	APY: 5.40%	Term: 1.5 Year	Min. Deposit: $1,000
First National Bank Standard CD Member FDIC.	APY: 1.00%	Term: 1.5 Year	Min. Deposit: $500
Vio Bank High-Yield CD Member FDIC.	APY: 4.00%	Term: 1.5 Year	Min. Deposit: $500	Read Review
Salem Five Bank CD Member FDIC.	APY: 3.50%	Term: 1.5 Year	Min. Deposit: $10,000	Read Review
Barclays Online CD Member FDIC.	APY: 3.25%	Term: 1.5 Year	Min. Deposit: $0	Open Account for Barclays Online CD On Barclays' Secure Website.
BMO Bank Member FDIC.	APY: 1.70%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 1.00%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
E*TRADE CD Member FDIC.	APY: 3.90%	Term: 1.5 Year	Min. Deposit: $0	Read Review
Chase Standard CD Member FDIC.	APY: 2.50%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
Popular Direct CD Member FDIC.	APY: 3.85%	Term: 1.5 Year	Min. Deposit: $10,000	Read Review
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 3.90%	Term: 1.5 Year	Min. Deposit: $500	Read Review
EverBank Performance℠ CD	APY: 3.70%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
Prime Alliance Bank CD Member FDIC.	APY: 4.15%	Term: 1.5 Year	Min. Deposit: $500	Read Review
Bask Bank CD Member FDIC.	APY: 3.90%	Term: 1.5 Year	Min. Deposit: $1,000	Read Review
American Express National Bank CD Member FDIC.	APY: 3.35%	Term: 1.5 Year	Min. Deposit: $0	Read Review
Discover® Bank CD Member FDIC.	APY: 3.80%	Term: 1.5 Year	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
Citi CD Member FDIC.	APY: 2.45%	Term: 1.5 Year	Min. Deposit: $500	Read Review
First National Bank Special CD Member FDIC.	APY: 3.00%	Term: 19 Months	Min. Deposit: $5,000 or $10,000, depending on term
Citizens CD Member FDIC.	APY: 4.00%	Term: 2 Year	Min. Deposit: $5,000	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 1.00%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Vio Bank High-Yield CD Member FDIC.	APY: 3.75%	Term: 2 Year	Min. Deposit: $500	Read Review
First Tech CD	APY: up to 2.25%	Term: 2 Year	Min. Deposit: $500	Read Review
Discover® Bank CD Member FDIC.	APY: 3.50%	Term: 2 Year	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
TD Bank CD Member FDIC.	APY: 1.00% - 3.00%	Term: 2 Year	Min. Deposit: $250.00	Read Review
Charles Schwab CD Member FDIC.	APY: up to 4.40%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Citi CD Member FDIC.	APY: 2.00%	Term: 2 Year	Min. Deposit: $500	Read Review
Tab Bank CD Member FDIC.	APY: 3.85%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Connexus Credit Union Share CD	APY: 4.53%	Term: 2 Year	Min. Deposit: $5,000	Read Review
First Internet Bank of Indiana CD Member FDIC.	APY: 3.93%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Edward Jones CD Member FDIC.	APY: 4.90%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Fidelity CD Member FDIC.	APY: 4.90%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Bread Savings CD Member FDIC.	APY: 3.85%	Term: 2 Year	Min. Deposit: $1,500	Read Review
Quontic CD Member FDIC.	APY: 3.35%	Term: 2 Year	Min. Deposit: $500	Open Account for On Secure Website.
Synchrony Online CD Member FDIC.	APY: 3.90%	Term: 2 Year	Min. Deposit: $0	Read Review
All America Bank CD Member FDIC.	APY: 3.75%	Term: 2 Year	Min. Deposit: $500	Read Review
Valley Bank CD Member FDIC.	APY: 4.00%	Term: 2 Year	Min. Deposit: $500
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 2 Year	Min. Deposit: $1,000
LendingClub CD Member FDIC.	APY: 3.75%	Term: 2 Year	Min. Deposit: $2,500	Open Account for LendingClub CD On LendingClub's Secure Website.
E*TRADE CD Member FDIC.	APY: 3.80%	Term: 2 Year	Min. Deposit: $0	Read Review
Chase Standard CD Member FDIC.	APY: 2.50%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Generations Bank CD Member FDIC.	APY: 4.24%	Term: 2 Year	Min. Deposit: $1,000	Read Review
American Express National Bank CD Member FDIC.	APY: 3.50%	Term: 2 Year	Min. Deposit: $0	Read Review
Popular Direct CD Member FDIC.	APY: 3.80%	Term: 2 Year	Min. Deposit: $10,000	Read Review
Salem Five Bank CD Member FDIC.	APY: 3.50%	Term: 2 Year	Min. Deposit: $10,000	Read Review
NASA Federal Credit Union Share Certificate Federally insured by NCUA.	APY: 4.10%	Term: 2 Year	Min. Deposit: $1,000
Prime Alliance Bank CD Member FDIC.	APY: 4.15%	Term: 2 Year	Min. Deposit: $500	Read Review
EverBank Performance℠ CD	APY: 3.90%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 3.70%	Term: 2 Year	Min. Deposit: $500	Read Review
Bask Bank CD Member FDIC.	APY: 3.75%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Arvest Bank CD Member FDIC.	APY: up to 3.55%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Capital One 360 CD Member FDIC.	APY: 3.50%	Term: 2 Year	Min. Deposit: $0	Read Review
Barclays Online CD Member FDIC.	APY: 3.00%	Term: 2 Year	Min. Deposit: $0	Open Account for Barclays Online CD On Barclays' Secure Website.
First National Bank Standard CD Member FDIC.	APY: 1.00%	Term: 2 Year	Min. Deposit: $500
Forbright Bank CD Member FDIC.	APY: 3.00%	Term: 2 Year	Min. Deposit: $1,000	Read Review
NexBank Standard CD Member FDIC.	APY: 3.55%	Term: 2 Year	Min. Deposit: $10,000	Read Review
Flushing Bank CD Member FDIC.	APY: 3.50%	Term: 2 Year	Min. Deposit: $1,000	Read Review
Sallie Mae CD	APY: 3.75%	Term: 2 Year	Min. Deposit: $2,500	Read Review
Vanguard Brokered CD Member FDIC.	APY: 5.35%	Term: 2 Year	Min. Deposit: $1,000
BMO Bank Member FDIC.	APY: 1.50%	Term: 2 Year	Min. Deposit: $1,000	Read Review
BMO CD Specials Member FDIC.	APY: 3.75%	Term: 25 Months	Min. Deposit: $1,000	Read Review
First National Bank Special CD Member FDIC.	APY: 3.00%	Term: 25 Months	Min. Deposit: $5,000 or $10,000, depending on term
Discover® Bank CD Member FDIC.	APY: 3.40%	Term: 30 Months	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
EverBank Performance℠ CD	APY: 3.50%	Term: 30 Months	Min. Deposit: $1,000	Read Review
Capital One 360 CD Member FDIC.	APY: 3.50%	Term: 30 Months	Min. Deposit: $0	Read Review
First National Bank Special CD Member FDIC.	APY: 3.00%	Term: 35 Months	Min. Deposit: $5,000 or $10,000, depending on term
BMO CD Specials Member FDIC.	APY: 3.75%	Term: 35 Months	Min. Deposit: $1,000	Read Review
TD Bank CD Member FDIC.	APY: 1.00% - 2.75%	Term: 3 Year	Min. Deposit: $250.00	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 1.50%	Term: 3 Year	Min. Deposit: $1,000	Read Review
Chase Standard CD Member FDIC.	APY: 2.50%	Term: 3 Year	Min. Deposit: $1,000	Read Review
Capital One 360 CD Member FDIC.	APY: 3.50%	Term: 3 Year	Min. Deposit: $0	Read Review
E*TRADE CD Member FDIC.	APY: 3.60%	Term: 3 Year	Min. Deposit: $0	Read Review
Bread Savings CD Member FDIC.	APY: 3.50%	Term: 3 Year	Min. Deposit: $1,500	Read Review
First Internet Bank of Indiana CD Member FDIC.	APY: 3.77%	Term: 3 Year	Min. Deposit: $1,000	Read Review
BMO Bank Member FDIC.	APY: 1.40%	Term: 3 Year	Min. Deposit: $1,000	Read Review
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 3 Year	Min. Deposit: $1,000
All America Bank CD Member FDIC.	APY: 3.25%	Term: 3 Year	Min. Deposit: $500	Read Review
Prime Alliance Bank CD Member FDIC.	APY: 3.75%	Term: 3 Year	Min. Deposit: $500	Read Review
Barclays Online CD Member FDIC.	APY: 3.00%	Term: 3 Year	Min. Deposit: $0	Open Account for Barclays Online CD On Barclays' Secure Website.
NASA Federal Credit Union Share Certificate Federally insured by NCUA.	APY: 4.00%	Term: 3 Year	Min. Deposit: $1,000
Tab Bank CD Member FDIC.	APY: 3.60%	Term: 3 Year	Min. Deposit: $1,000	Read Review
Citi CD Member FDIC.	APY: 2.00%	Term: 3 Year	Min. Deposit: $500	Read Review
American Express National Bank CD Member FDIC.	APY: 3.00%	Term: 3 Year	Min. Deposit: $0	Read Review
Quontic CD Member FDIC.	APY: 3.25%	Term: 3 Year	Min. Deposit: $500	Open Account for On Secure Website.
Charles Schwab CD Member FDIC.	APY: up to 4.25%	Term: 3 Year	Min. Deposit: $1,000	Read Review
Vanguard Brokered CD Member FDIC.	APY: 5.35%	Term: 3 Year	Min. Deposit: $1,000
Discover® Bank CD Member FDIC.	APY: 3.40%	Term: 3 Year	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
Forbright Bank CD Member FDIC.	APY: 3.00%	Term: 3 Year	Min. Deposit: $1,000	Read Review
Popular Direct CD Member FDIC.	APY: 3.65%	Term: 3 Year	Min. Deposit: $10,000	Read Review
Sallie Mae CD	APY: 3.60%	Term: 3 Year	Min. Deposit: $2,500	Read Review
NexBank Standard CD Member FDIC.	APY: 3.44%	Term: 3 Year	Min. Deposit: $10,000	Read Review
First National Bank Standard CD Member FDIC.	APY: 1.00%	Term: 3 Year	Min. Deposit: $500
LendingClub CD Member FDIC.	APY: 3.50%	Term: 3 Year	Min. Deposit: $2,500	Open Account for LendingClub CD On LendingClub's Secure Website.
Salem Five Bank CD Member FDIC.	APY: 2.00%	Term: 3 Year	Min. Deposit: $10,000	Read Review
Citizens CD Member FDIC.	APY: 3.35%	Term: 3 Year	Min. Deposit: $5,000	Read Review
Ally High Yield CD Member FDIC.	APY: 3.60%	Term: 3 Year	Min. Deposit: $0	Read Review
Fidelity CD Member FDIC.	APY: 4.80%	Term: 3 Year	Min. Deposit: $1,000	Read Review
Edward Jones CD Member FDIC.	APY: 4.80%	Term: 3 Year	Min. Deposit: $1,000	Read Review
EverBank Performance℠ CD	APY: 3.50%	Term: 3 Year	Min. Deposit: $1,000	Read Review
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 3.65%	Term: 3 Year	Min. Deposit: $500	Read Review
First Tech CD	APY: up to 2.45%	Term: 3 Year	Min. Deposit: $500	Read Review
Synchrony Online CD Member FDIC.	APY: 4.00%	Term: 3 Year	Min. Deposit: $0	Read Review
PNC Fixed Rate CD Member FDIC.	APY: up to 1.75%	Term: 37 Months	Min. Deposit: $1,000	Read Review
BMO CD Specials Member FDIC.	APY: 3.80%	Term: 45 Months	Min. Deposit: $1,000	Read Review
Capital One 360 CD Member FDIC.	APY: 3.50%	Term: 4 Year	Min. Deposit: $0	Read Review
Barclays Online CD Member FDIC.	APY: 3.00%	Term: 4 Year	Min. Deposit: $0	Open Account for Barclays Online CD On Barclays' Secure Website.
Tab Bank CD Member FDIC.	APY: 3.40%	Term: 4 Year	Min. Deposit: $1,000	Read Review
Fidelity CD Member FDIC.	APY: 4.55%	Term: 4 Year	Min. Deposit: $1,000	Read Review
NASA Federal Credit Union Share Certificate Federally insured by NCUA.	APY: 3.85%	Term: 4 Year	Min. Deposit: $1,000
Prime Alliance Bank CD Member FDIC.	APY: 3.50%	Term: 4 Year	Min. Deposit: $500	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 1.50%	Term: 4 Year	Min. Deposit: $1,000	Read Review
Popular Direct CD Member FDIC.	APY: 3.60%	Term: 4 Year	Min. Deposit: $10,000	Read Review
Bread Savings CD Member FDIC.	APY: 3.50%	Term: 4 Year	Min. Deposit: $1,500	Read Review
Ponce Bank High-Yield CD from Raisin	APY: 1.61%	Term: 4 Year	Min. Deposit: $1	Read Review
First Internet Bank of Indiana CD Member FDIC.	APY: 3.62%	Term: 4 Year	Min. Deposit: $1,000	Read Review
Charles Schwab CD Member FDIC.	APY: up to 3.80%	Term: 4 Year	Min. Deposit: $1,000	Read Review
American Express National Bank CD Member FDIC.	APY: 3.00%	Term: 4 Year	Min. Deposit: $0	Read Review
EverBank Performance℠ CD	APY: 3.50%	Term: 4 Year	Min. Deposit: $1,000	Read Review
Citizens CD Member FDIC.	APY: 3.40%	Term: 4 Year	Min. Deposit: $5,000	Read Review
Discover® Bank CD Member FDIC.	APY: 3.40%	Term: 4 Year	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
Synchrony Online CD Member FDIC.	APY: 4.00%	Term: 4 Year	Min. Deposit: $0	Read Review
Edward Jones CD Member FDIC.	APY: 4.55%	Term: 4 Year	Min. Deposit: $1,000	Read Review
First National Bank Standard CD Member FDIC.	APY: 1.00%	Term: 4 Year	Min. Deposit: $500
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 3.60%	Term: 4 Year	Min. Deposit: $500	Read Review
NexBank Standard CD Member FDIC.	APY: 3.34%	Term: 4 Year	Min. Deposit: $10,000	Read Review
Citi CD Member FDIC.	APY: 2.00%	Term: 4 Year	Min. Deposit: $500	Read Review
Salem Five Bank CD Member FDIC.	APY: 2.25%	Term: 4 Year	Min. Deposit: $10,000	Read Review
All America Bank CD Member FDIC.	APY: 3.25%	Term: 4 Year	Min. Deposit: $500	Read Review
BMO Bank Member FDIC.	APY: 1.35%	Term: 4 Year	Min. Deposit: $1,000	Read Review
Chase Standard CD Member FDIC.	APY: 2.50%	Term: 4 Year	Min. Deposit: $1,000	Read Review
Vanguard Brokered CD Member FDIC.	APY: 5.25%	Term: 4 Year	Min. Deposit: $1,000
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 4 Year	Min. Deposit: $1,000
NASA Federal Credit Union High-Yield Certificate Federally insured by NCUA.	APY: 4.09%	Term: 49 Months	Min. Deposit: $10,000
First National Bank Special CD Member FDIC.	APY: 3.00%	Term: 52 Months	Min. Deposit: $5,000 or $10,000, depending on term
BMO CD Specials Member FDIC.	APY: 3.90%	Term: 59 Months	Min. Deposit: $1,000	Read Review
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 5 Year	Min. Deposit: $1,000
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 3.60%	Term: 5 Year	Min. Deposit: $500	Read Review
Salem Five Bank CD Member FDIC.	APY: 2.25%	Term: 5 Year	Min. Deposit: $10,000	Read Review
Republic Bank of Chicago CD Member FDIC.	APY: 1.50%	Term: 5 Year	Min. Deposit: $1,000	Read Review
Forbright Bank CD Member FDIC.	APY: 3.00%	Term: 5 Year	Min. Deposit: $1,000	Read Review
Popular Direct CD Member FDIC.	APY: 3.55%	Term: 5 Year	Min. Deposit: $10,000	Read Review
Prime Alliance Bank CD Member FDIC.	APY: 3.25%	Term: 5 Year	Min. Deposit: $500	Read Review
Vanguard Brokered CD Member FDIC.	APY: 5.35%	Term: 5 Year	Min. Deposit: $1,000
Chase Standard CD Member FDIC.	APY: 2.50%	Term: 5 Year	Min. Deposit: $1,000	Read Review
Edward Jones CD Member FDIC.	APY: 4.50%	Term: 5 Year	Min. Deposit: $1,000	Read Review
NexBank Standard CD Member FDIC.	APY: 3.29%	Term: 5 Year	Min. Deposit: $10,000	Read Review
EverBank Performance℠ CD	APY: 3.50%	Term: 5 Year	Min. Deposit: $1,000	Read Review
NASA Federal Credit Union Share Certificate Federally insured by NCUA.	APY: 3.75%	Term: 5 Year	Min. Deposit: $1,000
Fidelity CD Member FDIC.	APY: 4.50%	Term: 5 Year	Min. Deposit: $1,000	Read Review
Tab Bank CD Member FDIC.	APY: 3.25%	Term: 5 Year	Min. Deposit: $1,000	Read Review
Charles Schwab CD Member FDIC.	APY: up to 4.30%	Term: 5 Year	Min. Deposit: $1,000	Read Review
E*TRADE CD Member FDIC.	APY: 3.50%	Term: 5 Year	Min. Deposit: $0	Read Review
Citi CD Member FDIC.	APY: 2.00%	Term: 5 Year	Min. Deposit: $500	Read Review
First Tech CD	APY: up to 3.55%	Term: 5 Year	Min. Deposit: $500	Read Review
First Internet Bank of Indiana CD Member FDIC.	APY: 3.67%	Term: 5 Year	Min. Deposit: $1,000	Read Review
Citizens CD Member FDIC.	APY: 3.45%	Term: 5 Year	Min. Deposit: $5,000	Read Review
American Express National Bank CD Member FDIC.	APY: 3.00%	Term: 5 Year	Min. Deposit: $0	Read Review
BMO Bank Member FDIC.	APY: 1.35%	Term: 5 Year	Min. Deposit: $1,000	Read Review
All America Bank CD Member FDIC.	APY: 3.25%	Term: 5 Year	Min. Deposit: $500	Read Review
TD Bank CD Member FDIC.	APY: 1.00% - 2.25%	Term: 5 Year	Min. Deposit: $250.00	Read Review
First National Bank Standard CD Member FDIC.	APY: 1.50%	Term: 5 Year	Min. Deposit: $500
First National Bank Special CD Member FDIC.	APY: 3.00%	Term: 61 Months	Min. Deposit: $5,000 or $10,000, depending on term
PNC Fixed Rate CD Member FDIC.	APY: up to 2.00%	Term: 61 Months	Min. Deposit: $1,000	Read Review
Huntington Bank Standard CD Member FDIC.	APY: 0.10%	Term: 6 Year	Min. Deposit: $1,000
Marcus by Goldman Sachs High Yield CD Member FDIC.	APY: 3.60%	Term: 6 Year	Min. Deposit: $500	Read Review
Discover® Bank CD Member FDIC.	APY: 3.40%	Term: 7 Year	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.
Discover® Bank CD Member FDIC.	APY: 3.40%	Term: 10 Year	Min. Deposit: $0	Open Account for Discover® Bank CD On Discover Bank's Secure Website.

Our CDs methodology

At Motley Fool Money, our certificates of deposit (CDs) ratings primarily focus on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.
Motley Fool Money tracks just standard CDs, not IRA, bump up, callable, and other less popular CD accounts. CD rates displayed on this Best 5-Year CD Rates page are comprised of both the highest CD rates in Motley Fool Money’s universe of tracked rates and featured placements from advertisers. Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list.
Learn more about how Motley Fool Money rates bank accounts.

A note from our head of product ratings, Robin Hartill, CFP®

The CD accounts we select maximize the earnings on your savings while providing security and predictability. Here’s what we emphasize:

Competitive interest rates
Reasonable minimum deposit
Low fees and withdrawal penalties

These elements are critical to keeping your savings safe and compounding.

Reviews of the top 5-year CDs

Barclays Online CD 5 Year: 3.25% APY

What we like about this 5-year CD: No minimum opening deposit is required to open a Barclays Online CD. The early withdrawal penalty for 5-year CDs is 180 days' interest, which is lower than what many competitors charge.

What you should know before opening an account: Barclays Online CDs have above-average rates on its 5-year CDs, though with interest rates dropping, its short-term CDs have higher APYs.

Learn more on Barclays' website

Discover® Bank CD 5 Year: 3.40% APY

What we like about this 5-year CD: Discover® Bank's 5-year CD rates are far higher than the national average, though even higher rates are available at other institutions. But Discover stands out for its CD terms that range from three months to 10 years, making it a good option for a CD ladder.

What you should know before opening an account: Discover® Bank has a $0 minimum opening deposit. But the early withdrawal penalty of nine months' interest for a 5-year CD is somewhat high.

Learn more on Discover® Bank's website

Quontic CD 5 Year: 3.00% APY

What we like about this 5-year CD: Quontic offers competitive rates not just on CDs but also savings accounts and even checking accounts, which could be appealing if you want to use a single institution for banking services.

What you should know before opening an account: You'll need a deposit of at least $500 to open a CD. If you think you may need to access your funds early, think carefully before choosing a Quontic 5-year CD, as the early withdrawal penalty is two years' interest.

Learn more on Quontic's website

LendingClub CD 5 Year: 3.40% APY

What we like about this 5-year CD: You'll find fairly competitive rates on all LendingClub CDs, which have terms ranging from six months to five years. You can allow the interest you earn to compound, or you can have it deposited in a LendingClub checking or savings account.

What you should know before opening an account: You'll need a $2,500 minimum deposit to open a LendingClub CD. Many institutions have lower opening deposits or have no minimum whatsoever.

Learn more on LendingClub's website

Synchrony Online CD 5 Year: 4.00% APY

What we like about this 5-year CD: Synchrony Online CDs have no minimum deposit and offer competitive APYs. You can withdraw the interest (but not the principal) during the CD's term without penalty.

What you should know before opening an account: Synchrony Bank's CD terms are limited to 60 months. You'll also pay a full year's worth of simple interest if you withdraw your principal balance early from a Synchrony Bank 60-month CD.

Read our full Synchrony Online CD review

Ally High Yield CD 5-Year: 3.60% APY

What we like about this 5-year CD: You can open an Ally 5-year CD with any amount, as there's no minimum opening deposit. Ally also offers a 10-day rate guarantee so that if rates go up in the first 10 days after you open a CD, you get the higher rate.

What you should know before opening an account: While Ally pays generous APYs, you can find higher rates at other online banks. Also, Ally's CD terms are somewhat limited.

Read our full Ally High Yield CD review

Bread Savings CD 5-Year: 3.50% APY

What we like about this 5-year CD: Bread Financial has competitive APYs for both CDs and savings accounts. Though 5-year CD APYs are higher than average, Bread's rates are best on CDs with terms of 12 months or less.

What you should know before opening an account: You'll need at least $1,500 to open a CD through Bread. The early withdrawal penalty on a 5-year CD is hefty, at one year's simple interest.

Read our full Bread Savings CD review

Sallie Mae CD 5-Year: 3.75% APY

What we like about this 5-year CD: Sallie Mae offers 11 different CD terms, which could be appealing if you want to build a CD ladder, though 60 months is the longest term. The early withdrawal penalty of 180 days' interest on a 5-year CD is fairly reasonable.

What you should know before opening an account: Sallie Mae requires a minimum deposit of $2,500.

Read our full Sallie Mae CD review

Capital One 360 CD 5 Year: 3.50% APY

What we like about this 5-year CD: Capital One doesn't have a minimum deposit to open a CD. If you need to withdraw money from a 5-year CD, you'll pay 180 days' interest. Many institutions charge higher amounts for long-term CDs.

What you should know before opening an account: Though Capital One's CD rates are above the national average, you can find higher rates at several online banks.

Read our full Capital One 360 CD review

Alliant CD 5-Year: 3.65% APY

What we like about this 5-year CD: Alliant Credit Union's share certificates allow you to withdraw dividends monthly without penalty. Its share certificate rates are generally competitive, but you can earn even better rates on a "jumbo" certificate, i.e., a deposit of at least $75,000.

What you should know before opening an account: You'll need to join Alliant Credit Union and provide a $1,000 minimum deposit to open an Alliant CD.

Read our full Alliant CD review

What is a 5-year CD?

A 5-year CD is a savings vehicle that locks your money up for 60 months in exchange for an annual percentage yield (APY). Normally, 5-year CDs have higher interest rates than CDs with shorter terms. But in today's high rate environment, which is more favorable to short-term CDs, 5-year CDs have slightly lower rates. That said, today's 5-year CD rates are very competitive compared to previous years.

Will 5-year CD rates increase in 2024?

It's unlikely that 5-year CD rates will increase in 2024. In fact, many institutions already started dropping CDs leading up to the Federal Reserve's widely anticipated rate cut in September. CD rates generally follow the direction of the Federal Reserve's federal funds rate. With further rate cuts expected, you can expect CD providers to adjust their rates accordingly.

Pros and cons of a 5-year CD

Opening a 5-year CD account can be a great investment, but it also has its drawbacks:

Pros of 5-year CDs	Cons of 5-year CDs
Higher rates: 5-year CDs usually have higher interest rates than savings accounts.	Potential to miss out on higher rates: If market interest rates skyrocket, your CD's interest rate will stay the same. Opening a 5-year CD may tie you into a low rate long term.
Fixed rates: Most CDs have fixed rates, which means your interest rate is locked in for the entire 5-year term. It won't change even if market rates drop.	Early withdrawal penalties: You'll get hit with costly early withdrawal penalties if you touch your CD before it reaches maturity.
Predictable returns: Thanks to fixed rates, you can easily calculate how much interest you'll earn over five years.	Inflation risk: There's always a chance that your earnings from a 5-year CD don't keep up with inflation.

Alternatives to a 5-year CD

A 5-year CD lets you lock in your interest rate for a long stretch of time, which could be attractive if you think interest rates will drop further, but it's not the right choice for everyone. Here are some alternatives to consider.

High-yield savings account

The best high-yield savings accounts reward you with generous interest rates, but they don't require you to lock up your money for a set amount of time. You can make withdrawals as needed, which is why these accounts are often a great choice for emergency savings. The downside, though, is that your bank can change the interest rate at any time.

Short-term CDs

With further interest rate cuts expected, you can often find more competitive yields on short-term CDs -- specifically, those with terms of six to 12 months -- compared to longer-term CDs. Keep in mind, though, that if interest rates drop, you may have to reinvest your money at a lower interest rate.

S&P 500 ETF

If you can afford to invest your money for several years, an S&P 500 ETF may be a better alternative than a CD because it offers far more growth potential. An S&P 500 ETF, or exchange-traded fund, is a fund that tracks the S&P 500 index, which is a collection of 500 of the largest historically profitable publicly traded companies.

Returns are never guaranteed, and some years your returns will likely be negative. But in the long term, the S&P 500 index has delivered average annual returns of about 10%.

Who is a 5-year CD right for?

A 5-year CD is right for people who won't need to withdraw funds before the term ends. You'll get hit with a penalty fee if you pull your funds before maturity. Some or all of the interest you've earned up until that point may disappear.

To recap, the highest 5-year CD rates

Offer	APY	Min. Deposit
Barclays Online CD On Barclays' Secure Website.	3.25% - 5 Yr.	$0
Discover® Bank CD On Discover Bank's Secure Website.	3.40% - 5 Yr.	$0
Quontic CD On Quontic's Secure Website.	3.00% - 5 Yr.	$500
LendingClub CD On LendingClub's Secure Website.	3.40% - 5 Yr.	$2,500
Synchrony Online CD	4.00% - 5 Yr.	$0
Ally High Yield CD	3.60% - 5 Yr.	$0
Bread Savings CD	3.50% - 5 Yr.	$1,500
Sallie Mae CD	3.75% - 5 Yr.	$2,500
Capital One 360 CD	3.50% - 5 Yr.	$0
Alliant CD	3.65% - 5 Yr.	$1,000

APY = Annual Percentage Yield

Other CD term lengths to consider

Banks we monitor

Here are the 100+ financial institutions we've evaluated in our research:

Alliant, Ally, All America Bank, American First Credit Union, American Express National Bank, Arvest Bank, Aspiration, Axos Bank, B2 Bank, Bank of America, Bank5 Connect, Bank7, Barclays, Bask Bank, Betterment, Bluevine, BMO Bank, Bread Financial, Capital One, Carver Federal Savings Bank, Charles Schwab Bank, Chase, Chime, CIT, Citibank, Citizens, Citizens Savings Bank, Columbia Bank, Connexus Credit Union, Consumers Credit Union, Copper, Cross River Bank, Customers Bank, Discover® Bank, E*TRADEEdward Jones, EverBank, Fidelity, Fifth Third Bank, First Foundation Bank, First Internet Bank of Indiana, First National Bank, First Tech Federal Credit Union, Flushing Bank, Freedom Bank, Generations Bank, GN Bank, Golden 1 Credit Union, Greenlight, Harborstone Credit Union, HSBC, Huntington Bank, Ivella, Kabbage by American Express, KeyBank, Laurel Road, LendingClub, Liberty Bank, Liberty Federal Credit Union, Marcus by Goldman Sachs, Mercury, Municipal Credit Union, Mutual of Omaha, NASA Federal Credit Union, Nationwide Bank, Navy Federal Credit Union, NBKC Bank, New York Community Bank, Northpointe Bank, Novo, OceanFirst Bank, Old National Bank, ONE Finance, OneUnited Bank, Oxygen, Pacific Western Bank, PNC Bank, Ponce Bank, Popular Direct, Presidential Bank, Prime Alliance Bank, Quontic, Radius, Raisin, Redneck Bank, Regions Bank, Relay, Republic Bank of Chicago, Revolut, Salem Five Bank, Sallie Mae, Santander Bank, SchoolsFirst Federal Credit Union, Simple, SoFi®, Synchrony Bank, TAB Bank, TD Bank, Third Federal, Truist Bank, U.S. Bank, UFB, Upgrade, USAA, Valley Bank, Vanguard, Varo Bank, Vio Bank, Wealthfront, Wells Fargo, Western Alliance Bank, and Zeta.

FAQs

5-year CDs typically offer a significantly higher APY than CDs with shorter terms. Depending on your initial deposit amount, you can earn more interest by opening a 5-year CD.
A 5-year CD is worth opening if you can afford to deposit funds and leave them untouched for that long. If not, then it's better to opt for a shorter term or reduce your risk through CD laddering.
Like other CD terms, you open a 5-year CD with an initial deposit in exchange for an interest rate. As long as you leave your deposit in the CD account for five years, your money will grow at the advertised rate. For instance, if you deposit $10,000 in a 5-year CD with an APY of 4.20%, you would earn roughly $2,284 in interest for a total of $12,284 at the end of your term.

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