Best 60-Month CD Rates - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Top 60-month CD rates currently available include 1st Community Credit Union1st Community Credit Union1000 W Wisconsin St, Sparta, WI 54656 2230A+5.0 ★Texas Ratio: 4.67%Real return: +1.80%APY minus CPI (February 2026) offering 60-MONTH YOUTH CERTIFICATE SPECIAL at 4.60% APY, and State Bank of NewburgState Bank of Newburg300 Congress Dr Hwy 33, Newburg, WI 53060A+5.0 ★Texas Ratio: 0.29%Real return: +1.74%APY minus CPI (February 2026) offering 60 mo Certificate of Deposit at 4.54% APY, and Gerber Federal Credit UnionGerber Federal Credit Union508 State St, Fremont, MI 49412A+5.0 ★Texas Ratio: 3.31%Real return: +1.70%APY minus CPI (February 2026) offering Share Certificates and IRA Certificates 60 Month at 4.50% APY, and Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +1.60%APY minus CPI (February 2026) offering 5-year CD at 4.40% APY. CD rates as of July 11, 2026 according to verified data from MonitorBankRates.
A 5-year CD is the longest standard CD term, designed for savers who want to maximize fixed yield and are comfortable locking in funds for the long term. It is often the highest-yielding option available and pairs naturally with retirement or long-term savings goals. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose a stable institution with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 60-Month CD Rates Last Updated and Verified: July 11, 2026
Compare the Best 60-Month CD Rates Nationwide
FOR AGES 0-12 YEARS OLD. Minimum deposit of $500, Maximum $10,000. Annual Percentage Yield is based on assumption that dividends will remain in account until maturity. A penalty may be imposed for withdrawals before maturity. Contact 1st CCU for full details, qualifications, restrictions, funds availability, terms and conditions. Youth members may have one of each Youth Certificate type. Teen members may have one Teen Certificate and one of each Youth Certificate type. Certificates are subject to age restrictions. Cannot be opened as UTMA account. Certificate must be in the minor's name. Membership eligibility required. Anyone who lives or works in La Crosse, Monroe, Buffalo, Trempealeau, Jackson, Eau Claire, Clark, Wood, Adams, Juneau, Sauk, Richland, Crawford, or Vernon County is eligible to join 1st CCU. Federally insured by NCUA.
Interest Credited: Monthly
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Variable Rate
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Click to Open CD
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On the above accounts, dividends are compounded and credited quarterly. Dividends are computed based on average daily balance. A penalty may be imposed for early withdrawal. Service charges may reduce earnings.
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Rewards+ Loyalty Program; Non-Rewards+ Loyalty Program Dividend Rate2: 2.96%; Non-Rewards+ Loyalty Program APY1: 3.00%
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Dividend Rate: 3.30% for $500-$99,999; APY: 3.35% for $500-$99,999; Dividend Rate: 3.35% for $100,000-$249,999; APY: 3.40% for $100,000-$249,999; Dividend Rate: 3.80% for $250,000-$999,999; APY: 3.87% for $250,000-$999,999; Dividend Rate: 4.05% for $1M+; APY: 4.13% for $1M+
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Automatic Renewal to Regular Certificate
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Dividend Posting Period: quarterly
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Loyalty Rate: 3.97%, Loyalty APY: 4.05%
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Interest Compounded: Quarterly; Interest Credited: Quarterly
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The Share Certificate rates reflect rates earned with a minimum monthly direct deposit of $200. Accounts that do not have the minimum direct deposit will receive .25% reduction to the disclosed rate.
Checking Relationship APY: 4.25%
Rate is 0.100% APY lower for non-GoldStar� members
Penalty: Loss of 180 days' dividends
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Lock in a competitive rate for 5 years! Enjoy quarterly dividends.
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As High As
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Call for weekly rates and information; $10,000.00 minimum balance required; Early withdrawal penalties apply; APY=Annual Percentage Yield. Rates are indications only, and are subject to change with market conditions. Please contact a Member Service Representative for current rates. The stated rate and effective annual rate are the same.
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JUMBO
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Fixed rate. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
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Platinum
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Early Withdrawal Penalty: 6 month interest
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Valid Thru: 06/28/2026
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Minimum deposit of $500 required.
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Interest Compounding Frequency: Quarterly; Interest Availability: Quarterly
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Call for weekly rates and information; $50,000.00 minimum balance required; Early withdrawal penalties apply
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Compounding Frequency: Monthly
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Penalty for early withdrawal: 9 Months Dividends
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Compounding Frequency: Monthly
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Interest Paid: Quarterly; Auto Renew: Yes
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APY is effective as of 7/1/2026 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.
Rate/APY for balances under $50,000.00
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Jumbo Rate: 4.00% APY: 4.04%
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Online-only high-yield rates. The costs we save by operating exclusively online, we pass along to our clients.
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Early withdrawal penalties apply
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Compounding Frequency: Quarterly; Early Withdrawal Penalty: 273 days of Interest
Interest Compounded: Quarterly
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Penalties for early withdrawals may apply. Fees may reduce earnings on the account.
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New Money Only, Pays Monthly
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The annual percentage yield is accurate as of February 2, 2026. There is a penalty for early withdrawal and the yield, terms, and conditions are subject to change without notice.
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APY assumes dividends compounded monthly to the certificate. Fees could reduce the earnings on the account. A penalty will be imposed for early withdrawal. All rates may change after account is opened.
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Compounded Monthly
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$100
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Platinum APY: 3.75%
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Special Rate (APY)�: 4.00%
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Traditional, Roth, and Coverdell IRA account. Penalty may be imposed for early withdrawal. APY=Annual percentage yield. All dividend rates subject to change without notice. Other terms and conditions apply. Annual Percentage Yield (APY) assumes all principal and interest remain on deposit for the full term. Membership required. Federally insured by NCUA.
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Tracked Nationwide
About Our 60-Month CD Rate Database
MonitorBankRates tracks 2,207 60-month CD rates from 1,304 institutions across the United States. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: 1st Community Credit Union offers a 60-month CD at 4.60% APY with a minimum deposit of $500. Use the rate table above to compare all current offers.
60-Month CD Rate Trend
Daily national average APY for 60-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
National 60-month CD rates fell 0.014 points over the past 7 days to 2.715% APY, down from 2.728% 7 days ago.
60-Month CD Rate Forecast — Next 12 Months
Where are 60-month CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
CD Calculators
Enter any deposit amount to see exactly how much interest you earn at the end of your 60-month term at today’s top APY.
CD Ladder with 60 months RungA 5-year CD is the longest standard term and anchors the far end of any CD ladder. Model total earnings and see how it complements shorter rungs for maximum long-term yield.
Early Withdrawal Penalty60-month CDs typically carry a 365 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
60-Month CD vs. High-Yield Savings5-year CD rates can significantly outpace savings APYs over the same period. Compare both to see the compounded earnings difference over a full 5-year horizon.
How to Find the Best 60-Month CD Rates
What to compare when shopping for a 60-month CD
To find the best APYs on a 60-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 60-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When a 60-Month CD Makes Sense
- You have a planned purchase or expense in ~60 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You want the highest fixed rate available and can commit savings for a full 5-year term without needing access
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months → High-yield savings
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing or debit access → Money market account
60-Month CD vs. Other Savings Options
| Feature | 60-Month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 60 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
60-Month CD FAQs
What is a 60-Month (5-Year) Certificate of Deposit?
Are 5-year CD rates higher than shorter-term CDs?
Is my money safe in a 60-month CD?
What happens if I withdraw money from a 5-year CD early?
What is APY and why does it especially matter for a 5-year CD?
Is locking in a 5-year CD rate a good strategy when rates are high?
How can I use a 60-month CD in a CD ladder?
Is a 60-month CD better than a 36-month CD?
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 60-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 5-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
