60-month CD rates range from 4.23% to 5.25% APY, verified by MonitorBankRates as of October 12, 2026. Top 60-month CD rates currently available include Italo American Credit UnionItalo American Credit Union6652 Myrtle Ave, Glendale, NY 11385 7057A+5.0 ★Texas Ratio: 0.00%Real return: +2.45%APY minus CPI (February 2026) offering Regular IRA And Roth IRA - 5 years at 5.25% APY, and Edward Jones Trust CompanyEdward Jones Trust Company12555 Manchester Rd, Saint Louis, MO 63131A+5.0 ★Texas Ratio: 0.00%Real return: +2.40%APY minus CPI (February 2026) offering 5 Year FDIC-Insured Certificate of Deposit at 5.20% APY, and Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.19%Real return: +2.40%APY minus CPI (February 2026) offering 60 Month Certificate at 5.20% APY, and Fort Community Credit UnionFort Community Credit Union1610 Janesville Ave, Fort Atkinson, WI 53538A5.0 ★Texas Ratio: 8.84%Real return: +2.35%APY minus CPI (February 2026) offering 60-Month Certificate at 5.15% APY. CD rates as of October 12, 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: October 12, 2026
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Special Jumbo Certificate Bonus! Boost Your Earnings - Get an additional 0.25% APY on a Jumbo Certificate with a balance of $250,000+
New product offer as of April 1st, 2025
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Platinum Star Member tier
Youth Share Certificate Rate; $50 and $100 only
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Type: Regular/IRA; Dividends compound & paid: Daily
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Balance: $200,000 and over
Dividends will be compounded every day. Dividends will be credited to your account monthly. Alternatively, you may choose to have dividends paid to another account every month rather than credited to this account.
Balance: $100,000 and over
Penalty: 180 Days1
Balance: $100,000+
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Jumbo 60 Month Certificates** - Minimum $75,000; Early Withdrawal Penalty: 180 days interest
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Balance: $1,000,000.00+
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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Balance: $100,000.00 and over
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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.
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Balance: $1,000
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Opening Balance: $10,000 or above; Interest credited Monthly; Fixed
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Available as an IRA
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Balance required to obtain APY: $2,500
APY assumes interest payouts remain in your certificate account until maturity. Interest rate is guaranteed for the length of the term. An early withdrawal penalty may be applied when a withdrawal is made prior to maturity of the certificate and could result in loss of principal.
Balance: $10,000+
Rates effective October 1, 2026
Term: 5 years with Epic Premium Checking; Epic Premium Checking relationship rate
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Penalties apply for early withdrawal
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Watch your money grow at a premium rate when you agree to receive paperless eStatements. Balances of $50,000 or more earn higher rates. No monthly fee. Auto renewal available. Federally insured balances up to $250,000.00.
IRA
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IRA PROMOTIONAL
Compounded Daily; Early Withdrawal Penalty
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Online-only high-yield rates.
payroll deposit only
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Jumbo/Min. $90,000
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Deposit Amount: $225,000.00 and above; Compounding: Quarterly
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Interest paid quarterly
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Minimum deposit of $100,000.00; Certificate specials will not renew at end of term; penalty may be imposed for early withdrawal
Balance: $225,000 or greater
No additional deposits after initial deposit.
Early Withdrawal Penalty: 6 Month Interest
Balance: $99,000 and over
Term: 60 Month ($25,000 or more)
Balance: $100,000 and above
Must have a loan, deposit, or trust and investment account with City State Bank.
Paid Monthly
Special Rate (APY)
Balance: $100,000 and over
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Early Withdrawal Penalty: Yes
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90 days interest penalty for early withdrawal
Minimum = $1,000; Jumbo certificates over $75,000.00 APY 4.59% (add .20%)
Credit Quarterly Compound Daily
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Loyalty Rates: 0.05%
Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
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Interest Rate $1,000 - $249,999.99 Daily balance to earn APY
Balance: $95,000+; JUMBO
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Preferred Rate with any checking account; Rate: 4.36%, APY: 4.45%
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Dividends are compounded and credited monthly. Fees could reduce earnings on the account. Certificate early withdrawal penalties may apply. Please refer to Truth in Savings Disclosure for details.
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APY is based on a $1,000 deposit and may vary based on the amount of deposit.
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Interest Compounded: Quarterly; Interest Credited: Quarterly
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A penalty of 182 days of interest may be imposed for all other CD terms unless specified differently. APY is subject to change without prior notice.
Interest Frequency: Semi
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Fixed APY | No minimum balance
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Jumbo CD - min $50,000. A penalty may be imposed for early withdrawal.
Available as IRA in Branch:
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Effective 10/01/2026
Jumbo IRA
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Amount: $1,000; APR/APY printed as range 4.20% - 4.28%
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Balance: $100,000 & over
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Create Account
Standard Dividend Rate: 3.930%, Standard *A.P.Y.: 4.00%. Minimum balance required to open account and earn the stated APY= $1,000/Standard. $35,000/Jumbo. A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly.
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Maximum investment limited to $100,000 per account
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Minimum: $1,000 required to open regular and IRA certificate accounts. $500 required to open youth certificate accounts.; Dividend Frequency: Quarterly
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CERTIFICATES OF DEPOSIT We do not open CDs for other financial institutions or for deposit brokers.
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Share & IRA Certificate; fixed rate
Balance: $2,500.00 - $2,500.00
Minimum opening deposit is $1,000; Rates effective as of 10/6/2026
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Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
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Deposit: $10,000+
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Minimum: $500 minimum opening balance
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Balance: $150,000.00 or more
Compounding: dividend rate 4.15%, APY compounding 4.23%
Monthly: 4.23%, Quarterly: 4.22%, Semi Annual: 4.19%
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Balance: $500 Minimum Balance Required
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MonitorBankRates tracks 5,479 60-month CD rates from 2,689 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: Italo American Credit Union offers a 60-month CD at 5.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers.
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 rose 0.027 points over the past 7 days to 2.897% APY, up from 2.870% 7 days ago.
Where are 60-month CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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.
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.
| 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 |
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.