Best 60-Month CD Rates - September 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 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 5 Year Certificate at 5.25% APY, and Michigan One Community Credit UnionMichigan One Community Credit Union510 S Dexter St, Ionia, MI 48846A+5.0 ★Texas Ratio: 1.59%Real return: +2.32%APY minus CPI (February 2026) offering 60 Month Minor CD Special at 5.12% APY, and Beach Municipal Federal Credit UnionBeach Municipal Federal Credit Union4164 Virginia Beach Blvd, Virginia Beach, VA 23452A+5.0 ★Texas Ratio: 3.47%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month Youth Share Certificate Rate at 5.00% APY, and Raymond James BankRaymond James Bank710 Carillon Pkwy, Saint Petersburg, FL 33716A+5.0 ★Texas Ratio: 3.19%Real return: +2.15%APY minus CPI (February 2026) offering Certificates of Deposit (CDs) - 60 Months at 4.95% APY. CD rates as of September 21, 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: September 21, 2026
Compare the Best 60-Month CD Rates Nationwide
Regular IRA And Roth IRA
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Purchased through Raymond James brokerage account: $2,000; Not purchased through Raymond James brokerage account: $1,000
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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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Interest Will Be Credited: Monthly; Opening Balance: $10,000 or above
Minimum to Obtain: $500
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No business or institutional funds allowed. For deposits exceeding $250,000 we have programs available for you. Maximum deposit is $500,000 per account. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account.
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Interest paid quarterly
Early Withdrawal Penalty: 365 days dividends
Balance: $100,000.00 and over
Balance: $100,000.00 and over
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Featured: Market-leading CD rates
Balance: $2,500
No additional deposits allowed. If Principal is withdrawn before the maturity date, a penalty equal to 90 days' interest will apply. The account matures in 60 months and will automatically renew to the same term CD unless funds are withdrawn within 10 days after maturity, during which withdrawals may be made without penalty. Withdrawals will reduce earnings.
Balance: $200,000 and over
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Early Withdrawal Penalty: 180 days interest
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VIP Yield
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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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Dividends Compound & Paid: Daily
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No additional deposits after initial deposit.
payroll deposit only
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Fixed APY | No minimum balance
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Available as IRA in Branch:
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Balance: $100,000 and above
Balance: $1,000
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Balance: $100,000 or more
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Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
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Guaranteed return, flexible terms
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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.
Term: 1 Year IRA with **Epic Premium Checking
Balance: $100,000 and higher; Interest Credited: Quarterly
Monthly Paid
Available as an IRA
We do not open CDs for other financial institutions or for deposit brokers.
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IRA PROMOTIONAL; $500 minimum deposit required
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Checking Relationship APY
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Minimum: $100,000
Compounded: Quarterly; Credited: Quarterly
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Apply Online
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APY = Annual Percentage Yield. Minimum Balance = the amount of principal in the account each day. Fees could reduce earnings on the account. Rates are subject to change without notice. APY accurate as of 09/16/2026. Early withdrawal penalties apply. CDs automatically renew at maturity at current renewal rates. Account subject to deposit account approval.
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Interest paid quarterly via ACH to any account designated by the customer institution; Withdrawal before maturity is not permitted; BBW can arrange for the safekeeping of the instrument upon request
Balance: $100,000 & over
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Term: 60 MONTH TERM ACCOUNT
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Earn Loyalty Rates when you renew your CD
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Substantial penalty for early withdrawals.
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Balance: $100,000 and over
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CD and IRA rates effective 01/25/2024. Interest is compounded daily and there is a penalty for early withdrawal. Fees can reduce the earnings on any of the above accounts.
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Must maintain a minimum $50,000 balance to earn APY. Interest is compounded monthly and credited monthly. APY (Annual Percentage Yield) is accurate as of July 1, 2026 and is subject to change at any time. Fees could reduce the earnings on the account. There is a penalty for early withdrawal.
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$1,000,000.00+
Automatic Renewal to Regular Certificate
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Fixed
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Annual Percentage Yield (APY) is accurate as of 07/14/2026. Rates and terms subject to change. Penalty for early withdrawal. Fees may reduce earnings on the account.
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Penalty: 180 days interest
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Credit Quarterly Compound Daily
Penalty for early withdrawal: 9 Months Dividends
$100,000 and Above
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Effective Date: September 3, 2026
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Balance: $100,000 +
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Balance: $1,000.00
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Relationship Rate APY
Balance: $100,000 and over
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Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation. For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
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SPECIAL JUMBO CERTIFICATE BONUS!
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APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice.
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Jumbo
IRA Certificates of Deposit
Balance: $100,000+
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Dividend paid monthly. A penalty may be imposed for early withdrawal.
Balance: $10,000; Member Rewards Level: Platinum
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Minimum Balance: $500
Management has discretion to match local rate offerings! Call for weekly rates and information 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.
A penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings
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$50,000+
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Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty
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 4,940 60-month CD rates from 2,356 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.
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 2.844% APY, down from 2.858% 7 days ago.
60-Month CD Rate Forecast — Next 12 Months
Where are 60-month CD rates headed through September 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.
