Best 5-Year CD Rates Of March 2025

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name="format-detection" content="telephone=no" /><meta name="google-site-verification" content="jGqy0685OfScYI_CPpQIY0veB6wppKqi8yiG6FipWBM" /><meta name="fo-verify" content="66cd52e3-8bd5-41b7-a018-a83982c07dc5"> <meta name="googlebot" content="noindex"> <meta name="Googlebot-News" content="noindex"> <link rel="alternate" type="application/rss+xml" href= "https://www.forbes.com/advisor/feed/"><script type="text/javascript"> window.awardsData = null ; </script><script>!function(){let a=location.protocol+"//"+location.host+location.pathname+(location.search?location.search:""),o=location.hash.split("#")[1];if(o&&Array.isArray(awardsData)&&awardsData.includes(o)){let t=new URL(a);t.searchParams.append("award",o),location.href=t}}();</script><link rel="icon" href="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-32x32.png" sizes="32x32" /> <link rel="icon" href="https://www.forbes.com/advisor/wp-content/uploads/2017/09/cropped-favicon-192x192.png" sizes="192x192" 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But is a 60-month CD the right savings vehicle as interest rates rise?"/>   <meta property="og:site_name" content="Forbes Advisor"/> <meta property="og:title" content="Best 5-Year CD Rates Of March 2025"/> <meta property="og:url" content="https://www.forbes.com/advisor/banking/cds/best-5-year-cd-rates/"/> <meta property="og:type" content="article"/> <meta property="og:description" content="While you may find certificates of deposit with terms of 10 years or longer, the five-year CD is the most commonly available longer-term certificate. By choosing a five-year CD, you’re committing to the interest or dividend rate on offer for that extended period. Certificates with five-year terms of"/> <meta property="og:image" content="https://www.forbes.com/advisor/wp-content/uploads/2020/11/getty_7-best-cds_111320.jpg"/> <meta property="og:image:url" content="https://www.forbes.com/advisor/wp-content/uploads/2020/11/getty_7-best-cds_111320.jpg"/> <meta property="og:image:secure_url" content="https://www.forbes.com/advisor/wp-content/uploads/2020/11/getty_7-best-cds_111320.jpg"/> <meta property="article:published_time" content="2023-12-07T10:39:21-05:00"/> <meta property="article:modified_time" content="2025-02-27T07:47:14-05:00" /> <meta property="og:updated_time" content="2025-02-27T07:47:14-05:00" /> <meta property="article:section" content="CDs"/> <meta property="fb:app_id" content="123694841080850"/>  <meta name="twitter:title" content="Best 5-Year CD Rates Of March 2025"/> <meta name="twitter:url" content="https://www.forbes.com/advisor/banking/cds/best-5-year-cd-rates/"/> <meta name="twitter:description" content="While you may find certificates of deposit with terms of 10 years or longer, the five-year CD is the most commonly available longer-term certificate. By choosing a five-year CD, you’re committing to the interest or dividend rate on offer for that extended period. Certificates with five-year terms of"/> <meta name="twitter:image" content="https://www.forbes.com/advisor/wp-content/uploads/2020/11/getty_7-best-cds_111320.jpg"/> <meta name="twitter:card" content="summary_large_image"/> <meta name="twitter:site" content="@forbes"/>  <meta name="author" content="Cassidy Horton"/>    <style> /*assets/dist/css/top-n-non-cc-v3.min.css*/ .breadcrumbs{max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.breadcrumbs .breadcrumbs-item{background:url("data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iNCIgaGVpZ2h0PSI2IiBmaWxsPSJub25lIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjxwYXRoIGQ9Ik0uMjk1IDUuMjk1IDIuNTg1IDMgLjI5NS43MDUgMSAwbDMgMy0zIDMtLjcwNS0uNzA1WiIgZmlsbD0iIzUxNUU1RiIvPjwvc3ZnPg==") no-repeat;background-position:3px 5px;color:#515e5f;display:inline;font-size:12px;line-height:18px;padding-left:13px;text-transform:capitalize}.breadcrumbs .breadcrumbs-item:first-of-type{background:none;padding-left:0}.breadcrumbs 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.back-text{font-size:18px;font-weight:400;line-height:24px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{display:block;max-height:calc(100% - 70px);max-width:none;overflow:auto}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu{max-height:none}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link a{align-items:center;background:#171717;color:#bbb;cursor:pointer;display:flex;font-family:Work Sans,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding:13px 0 18px 16px;position:relative}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link{display:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .all-category-link.is-touch{display:block}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu 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.chevron-arrow,#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .title-text .chevron-arrow{margin-left:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu{border-right:0;display:inline-block;padding:9px 10px 9px 16px;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .no-child-menu:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .paid-link-text{color:#bbb;display:inline;font-family:Work Sans,sans-serif;font-size:12px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper{align-items:center;display:flex;justify-content:space-between;padding:9px 12px 9px 16px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover{background-color:hsla(0,0%,100%,.039)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .sub-accord-wrapper:hover .title-text{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-title{cursor:pointer}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow{border-left:1px solid #333;display:inline-block;padding:13px 16px 12px 21px;position:relative}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .chevron-arrow:after{border:solid #fcfcfc;border-width:0 3px 3px 0;content:"";display:inline-block;margin-left:auto;padding:3px;position:absolute;right:12px;top:9px;transform:rotate(45deg);-webkit-transform:rotate(45deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper.active .chevron-arrow:after{top:11px;transform:rotate(-135deg);-webkit-transform:rotate(-135deg)}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap{background:#171717;display:block;font-family:Work Sans,sans-serif;font-size:12px;font-weight:400;line-height:16px;padding:12px 9px 12px 40px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu .title-wrap:hover{background-color:hsla(0,0%,100%,.039);text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a{cursor:pointer;display:inline-block;width:100%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item .sub-menu-wrap .sub-menu .sub-menu-item .accordian-wrapper .accordian-menu a:hover{text-decoration:none}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-static-list{cursor:revert;padding:12px 8px 12px 14px}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list{padding:12px 8px 12px 16px}@media (min-width:1024px){#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list:hover{background-color:hsla(0,0%,100%,.078)}}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap{align-items:center;display:flex;justify-content:space-between}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-text{width:92%}#custom-header-wrapper .header__nav .wp-menu .wp-menu-item-dynamic-list .main-menu-wrap .link-icon{cursor:pointer}@media 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.authors-container{padding:0}.post-template-single-best-of-blade .author-wrap .authors-container{padding-left:0;padding-right:0}.page-template-page-homepage-blade .author-wrap{border-bottom:none;padding-left:0;padding-right:0}@media screen and (min-width:821px){.best-cc-v1-wrapper .author-wrap .authors-container,.generic-widget-2021-wrapper .author-wrap .authors-container{padding:0 0 24px}} </style><div class="author-wrap total_author_2"><div class="authors-container container "><div class="author_container primary-author" data-ecom-container='{"componentTitle":"Multiple Authors","componentType":"Forbes Multiple Authors Settings"}' ><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/cassidy-horton/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-ecom-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'>Cassidy Horton</a><span class="author-role">Personal Finance Reviewer and Writer</span></div></div><div class="middle-content">Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying of...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassidybhorton/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassidybhorton\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-ecom-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'>Cassidy Horton</a><span class="author-role">Personal Finance Reviewer and Writer</span></div></div><div class="middle-content">Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying of...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassidybhorton/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassidybhorton\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="title-wrap"><div class="title-top-wrap"><span class="prefix-text">Written By</span><div class="name author-byline-hoverover"><a class="mobile-disabled-link" href="https://www.forbes.com/advisor/author/cassidy-horton/" data-ecom-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}' target="_blank">Cassidy Horton </a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-ecom-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'>Cassidy Horton</a><span class="author-role">Personal Finance Reviewer and Writer</span></div></div><div class="middle-content">Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying of...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassidybhorton/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassidybhorton\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading="lazy" decoding="async" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"></div><div class="author-details-wrap"><a class="author-name" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-ecom-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'>Cassidy Horton</a><span class="author-role">Personal Finance Reviewer and Writer</span></div></div><div class="middle-content">Cassidy Horton is a finance writer covering banking, life insurance and business loans. She has worked with top finance brands including NerdWallet, MarketWatch and Consumer Affairs. Cassidy first became interested in personal finance after paying of...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/cassidybhorton/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/cassidybhorton\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Personal Finance Reviewer and Writer </div></div></div></div></div></div><div class="author_with-badge-details author_container hide-in-mobile secondary-author" data-ecom-container='{"componentTitle":"Author with badge","componentType":"Forbes Author\/Advisory Board"}'><div class="author_right_container"><div class="top-wrap"><div class="author_img-wrap author-img-badge author-byline-hoverover"><a href="https://www.forbes.com/advisor/author/mbenninger/" class="mobile-disabled-link" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}' target="_blank"><img decoding="async" src="https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg" alt="Michael Benninger" width="24px" height="24px"></a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Fact Checked by</div><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Fact Checked by</div><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div><div class="right_wrap"><div class="title-wrap"><div class="title-top-wrap"><div class="prefix-text">Fact Checked</div><div class="name author-byline-hoverover author-badge-name"><a href="https://www.forbes.com/advisor/author/mbenninger/" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}' target="_blank" class="mobile-disabled-link">Michael Benninger</a><div id="authorBylineModalContainer" style="display: none"><div class="author-byline-modal"><div class="author-modal-content"><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Fact Checked by</div><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div><div class="author-close-btn"><img width="24px" height="24px" alt="close icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-close-icon.svg" /></div></div></div><div class="hover-bio-wrapper" data-ecom-container='{"componentTitle":"","componentType":"Article Author Byline"}' ><div class="top-content"><div class="author_img-wrap"><img loading='lazy' decoding='async' src='https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2024/06/1719585593734-88x88.jpg' alt='Michael Benninger' width='50px' height='50px'></div><div class="author-details-wrap"><div class="prefix-text">Fact Checked by</div><a class="author-name" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"Michael Benninger","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'>Michael Benninger</a><span class="author-role">Managing Editor — Banking</span></div></div><div class="middle-content">With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been...</div><div class="bottom-content"><ul class="social-icon-wrap"><li><a href="https://www.linkedin.com/in/mikebenninger/" target="_blank" data-ecom-link='{"clickText":"LinkedIn","clickCat":"Primary","clickUrl":"https:\/\/www.linkedin.com\/in\/mikebenninger\/","clickType":"external"}'><img width="24px" height="24px" alt="Linkedin icon" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/forbes-media-linkedin-icon.svg" /></a></li></ul><a class="show-more-bio-wrap" href="https://www.forbes.com/advisor/author/mbenninger/" target="_blank" data-ecom-link='{"clickText":"See Full Bio","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/mbenninger\/","clickType":"internal"}'><span class="see-full-bio-text">Read Full Bio</span><img width="24px" height="24px" alt="See Full Bio" loading="lazy" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/social-icons/read-full-bio.svg" /></a></div></div></div></div><div class="title-bottom-wrap"><div class="designation">Managing Editor — Banking </div></div></div></div></div></div></div></div><div class="more-author"><span class="text">& 1 other</span><div class="arrow-icon rotate"></div></div></div><div class="ask-the-editor-wrapper"><div class="container"></div></div> <div class="container"> <div class="main-wrapper show-right-rail"> <div class="article-wrapper inarticle-link-tracking"> <style> .article__editors-note.font-14px{font-size:14px;} </style> <div class="article__editors-note font-14px"> Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. </div> <div class="intro-content applyfade "> <div class="intro-content-inner wysiwyg-content"> <p>While you may find certificates of deposit with terms of 10 years or longer, the five-year CD is the most commonly available longer-term certificate. By choosing a five-year CD, you’re committing to the interest or dividend rate on offer for that extended period. Certificates with five-year terms often pay high APYs in exchange for the longer commitment. Connexus Credit Union pays 3.91% APY—topping our list of the best 5-year CD rates.</p> <style id="style_1_eat-widget-style">.eat-widget-container{border:1px solid #ededed;border-radius:.5rem;box-shadow:0 6px 9px rgba(0,0,0,.06);margin:20px 0;padding:16px}.eat-widget-container .eat-header{display:flex;font-family:EuclidCircularB,sans-serif;font-size:16px;font-weight:600;line-height:22px;padding-right:48px;word-break:break-word}.eat-widget-container .eat-header h2{border-style:none;margin:0;padding:0}.eat-widget-container .eat-header .eat-heading{color:#181716;font-weight:600;line-height:22px;margin:0 0 0 8px}.eat-widget-container .eat-header p.eat-heading{font-size:20px}@media (min-width:1025px){.eat-widget-container .eat-header p.eat-heading{font-size:24px}}.eat-widget-container .eat-header .eat-forbes-icon{flex-shrink:0;margin-top:2px}@media (min-width:768px){.eat-widget-container .eat-header .eat-forbes-icon{margin-top:1px}}.eat-widget-container 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data-ecom-container='{"componentTitle":"","componentType":"EAT Widget"}'> <div class="eat-header-wrap " data-ecom-misc-click='{"clickText":"Why you can trust Forbes Advisor","clickType":"Accordion","referenceText":""}'> <div class="eat-header"> <svg class="eat-forbes-icon" width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"> <rect width="20" height="20" fill="#181716" /> <path d="M9.64475 4.94766H10.7202C11.954 4.94766 12.1556 4.97167 12.5925 5.18771C13.2262 5.49977 13.6871 6.11428 14.0952 7.18489C14.2584 7.62177 14.2584 7.61697 14.6233 7.50655L14.8681 7.43453L14.8441 5.85984C14.8297 4.99567 14.8105 4.22273 14.8009 4.14591L14.7769 4.01149L10.0672 4.00188C7.47474 3.99708 5.30473 4.00188 5.24712 4.01149L5.1319 4.03069L5.1415 4.30914L5.1511 4.58759L5.51117 4.6308C5.97686 4.68841 6.25531 4.81804 6.41854 5.05808C6.78821 5.60059 6.85542 6.33993 6.85542 9.84459C6.85542 13.5797 6.77861 14.4871 6.41854 14.9576C6.23131 15.2024 6.08248 15.2792 5.6648 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right-section-enabled left-section-enabled"> <div class="left-section"> <p>Our editors are committed to bringing you independent ratings and information. <strong> Advertisers do not and cannot influence our ratings. </strong> We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our <a href="https://www.forbes.com/advisor/about-us/#editorial_policies" rel="noopener"data-ecom-link='{"clickText":"editorial guidelines","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/about-us\/#editorial_policies","clickType":"internal"}'>editorial guidelines</a> and the <a href="https://www.forbes.com/advisor/banking/review-methodology/" rel="noopener"data-ecom-link='{"clickText":"banking methodology","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/review-methodology\/","clickType":"internal"}'>banking methodology</a> for the ratings below.</p> </p></div> <div class="right-section"> <ul> <li>142 5-year CD accounts considered</li> <li>84 banks and credit unions investigated</li> <li>Unbiased editorial team</li> <li>No AI writing</li> </ul></div> </p></div> </p></div> </p></div> </p></div> </div> <div class="mob-fade" data-ecom-misc-click='{"clickText":"Read more","clickType":"Button","referenceText":""}'> <span>Read More</span> <div class="chevron-arrow-wrapper"> <div class="chevron-arrow down"></div> </div> </div> </div> <div class="our-picks-wrapper" data-ecom-container='{"componentTitle":"Show Summary","componentType":"Show Summary"}'> <div class="toggle-picks-section">Show Summary</div> <div class="our-picks hidden"> <ul id="our-picks-section"> <li> <a href="#penfed_credit_union_money_market_certificates" class="jump-to" data-ecom-misc-click='{"clickText":"PenFed Credit Union Money Market Certificates","clickType":"Jump Link","referenceText":""}'> PenFed Credit Union Money Market Certificates </a> : Best for Credit Union CDs </li> <li> <a href="#connexus_credit_union_share_certificate" class="jump-to" data-ecom-misc-click='{"clickText":"Connexus Credit Union Share Certificate","clickType":"Jump Link","referenceText":""}'> Connexus Credit Union Share Certificate </a> : Best for Jumbo CDs </li> <li> <a href="#quontic_bank_certificate_of_deposit" class="jump-to" data-ecom-misc-click='{"clickText":"Quontic Bank Certificate of Deposit","clickType":"Jump Link","referenceText":""}'> Quontic Bank Certificate of Deposit </a> : Best for CD Laddering </li> <li> <a href="#first_national_bank_of_america_certificates_of_deposit" class="jump-to" data-ecom-misc-click='{"clickText":"First National Bank of America Certificates of Deposit","clickType":"Jump Link","referenceText":""}'> First National Bank of America Certificates of Deposit </a> : Best for High Rates </li> <li> <a href="#bethpage_federal_credit_union_certificate_account" class="jump-to" data-ecom-misc-click='{"clickText":"Bethpage Federal Credit Union Certificate Account","clickType":"Jump Link","referenceText":""}'> Bethpage Federal Credit Union Certificate Account </a> : Best for Low Minimum Deposits </li> <li> <a href="#featured_section" class="jump-to" data-ecom-misc-click='{"clickText":"Featured","clickType":"Jump Link","referenceText":""}'> Featured </a> </li> <li> <a 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margin-bottom: 12px;} .best-of-content hr { height: 1px; border: none; border-top: 1px #C8CCCC solid; margin: 16px 0;} .post-template .best-of-content .boc__item-link, .page-template .best-of-content .boc__item-link, .post-template-default .best-of-content .boc__item-link{ color: #007AC8; } @media (max-width: 767px) { .best-of-content { max-width: 270px;} .best-of-content .boc__sub-section { margin-top: 0;} .best-of-content .boc__sub-section:last-child { margin-bottom: 0;} } @media screen and (max-width: 599px) { .best-of-content hr { margin: 16px 0;} } </style> <div class="best-of-content"> <div class="boc__section" data-ecom-container='{"componentTitle":"Find The Best CD","componentType":"Global Right Rail Section"}'> <div class="boc__sub-section"> <div class="boc__sub-section-heading">Find The Best CD</div> <ul class="boc__items"> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-cd-rates/" title="Best CD Rates " data-ecom-link='{"clickText":"Best CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/","clickType":"internal"}'>Best CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-1-year-cd-rates/" title="Best 1-Year CD Rates " data-ecom-link='{"clickText":"Best 1-Year CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-1-year-cd-rates\/","clickType":"internal"}'>Best 1-Year CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-2-year-cd-rates/" title="Best 2-Year CD Rates" data-ecom-link='{"clickText":"Best 2-Year CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-2-year-cd-rates\/","clickType":"internal"}'>Best 2-Year CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-3-year-cd-rates/" title="Best 3-Year CD Rates " data-ecom-link='{"clickText":"Best 3-Year CD Rates\t","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-3-year-cd-rates\/","clickType":"internal"}'>Best 3-Year CD Rates </a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-4-year-cd-rates/" title="Best 4-Year CD Rates" data-ecom-link='{"clickText":"Best 4-Year CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-4-year-cd-rates\/","clickType":"internal"}'>Best 4-Year CD Rates</a> </li> <li class="boc__item-list"> <a class="boc__item-link" href="https://www.forbes.com/advisor/banking/cds/best-10-year-cd-rates/" title="Best 10-Year CD Rates" data-ecom-link='{"clickText":"Best 10-Year CD 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id="discover_12_month_certificate_of_deposit_term"> <div class="featured-widget-label"><span class="featured-widget-label-txt">FEATURED PARTNER OFFER</span></div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h3 class="card-title">Discover® 12-Month Certificate of Deposit term</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"><a href="https://goto.discover.com/c/1955282/661504/9289?adid=Content&adcampaignid=337961716" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://goto.discover.com/c/1955282/661504/9289?adid=Content&adcampaignid=337961716" data-component-title="Generic Product Widget" data-product-name="Discover® 12-Month Certificate of Deposit term" data-product-category="Banking" data-product-position="NA" data-product-badge="NA" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="848349" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/goto.discover.com\/c\/1955282\/661504\/9289?adid=Content&adcampaignid=337961716","partnerName":"Impact"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/09/discover-logo-2.png" alt="Discover® 12-Month Certificate of Deposit term"></a></div> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label="">Annual Percentage Yield </p> <div class="fact-value-wrapper"> <p class="fact-value">4.00%</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label="">Minimum Deposit Requirement </p> <div class="fact-value-wrapper"> <p class="fact-value">$0</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"><a href="https://goto.discover.com/c/1955282/661504/9289?adid=Content&adcampaignid=337961716" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://goto.discover.com/c/1955282/661504/9289?adid=Content&adcampaignid=337961716" data-component-title="Generic Product Widget" data-product-name="Discover® 12-Month Certificate of Deposit term" data-product-category="Banking" data-product-position="NA" data-product-badge="NA" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="848349" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/goto.discover.com\/c\/1955282\/661504\/9289?adid=Content&adcampaignid=337961716","partnerName":"Impact"}' ><img decoding="async" loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2023/09/discover-logo-2.png" alt="Discover® 12-Month Certificate of Deposit term"></a></div> <div class="btn-wrap primary-cta-btn-wrap"><a href="https://goto.discover.com/c/1955282/661504/9289?adid=Content&adcampaignid=337961716" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://goto.discover.com/c/1955282/661504/9289?adid=Content&adcampaignid=337961716" data-component-title="Generic Product Widget" data-product-name="Discover® 12-Month Certificate of Deposit term" data-product-category="Banking" data-product-position="NA" data-product-badge="NA" data-product-rating="NA" data-product-offer="Yes" data-wp-postid="848349" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/goto.discover.com\/c\/1955282\/661504\/9289?adid=Content&adcampaignid=337961716","partnerName":"Impact"}' ><span>Learn More </span><img decoding="async" loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" ></a></p> <div class="secure-site-txt">On Discover's Website <br>Member FDIC </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Annual Percentage Yield"> <div class="fact-value-wrapper"> <p class="fact-value">4.00%</p> <p class="fact-value-light"> </div> </div> <div class="facts less-attributes"> <p class="fact" data-attribute-label="Minimum Deposit Requirement"> <div class="fact-value-wrapper"> <p class="fact-value">$0</p> <p class="fact-value-light"> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"></div> </div> </div> </div> </section> </div> </div> </div> <div id="best_5_year_cd_rates_section" class="article-section " data-ecom-container='{"componentTitle":"Best 5-Year CD Rates","componentType":"Top Ten Template - Sections"}' data-ecom-list='{"listName":"Banking Products","productsOnPage":"5","appliedFilters":"","pageNumber":1}'> <h2>Best 5-Year CD Rates</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>We’ve compared 142 CD accounts at 84 nationally available banks and credit unions to find some of the best five-year certificates available. See below to learn more about why we picked each account, the pros and cons and to access individual bank reviews.</p> <p>Annual percentage yields (APYs) and account details are accurate as of February 4, 2025.</p> </div> <div data-ecom-container='{"componentTitle":"PenFed Credit Union Money Market Certificates","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"PenFed Credit Union Money Market Certificates","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"359482","itemName":"PenFed Credit Union Money Market Certificates","itemBrand":"Bankrate","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.8,"initialCost":0,"subscriptionCost":0}' id="penfed_credit_union_money_market_certificates"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Credit Union CDs</h2> <h3 class="card-title">PenFed Credit Union Money Market Certificates</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="PenFed Credit Union Money Market Certificates" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Credit Union CDs" data-product-rating="4.8" data-product-offer="No" data-wp-postid="359482" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&amp;product-name=Penfed+CD&amp;sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/11/PenFed-Credit-Union-e1598206183491-removebg-preview.png" alt="PenFed Credit Union Money Market Certificates"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.8</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 100%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label=""> CD APY 60-month </p> <div class="fact-value-wrapper"> <p class="fact-value">3.20%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Minimum Deposit Requirement </p> <div class="fact-value-wrapper"> <p class="fact-value">$1,000</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Interest Compounding Frequency </p> <div class="fact-value-wrapper"> <p class="fact-value">Daily</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="PenFed Credit Union Money Market Certificates" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Credit Union CDs" data-product-rating="4.8" data-product-offer="No" data-wp-postid="359482" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&amp;product-name=Penfed+CD&amp;sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/11/PenFed-Credit-Union-e1598206183491-removebg-preview.png" alt="PenFed Credit Union Money Market Certificates"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="PenFed Credit Union Money Market Certificates" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Credit Union CDs" data-product-rating="4.8" data-product-offer="No" data-wp-postid="359482" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&amp;product-name=Penfed+CD&amp;sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> On Bankrate.com's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="CD APY 60-month"> </p> <div class="fact-value-wrapper"> <p class="fact-value">3.20%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum Deposit Requirement"> </p> <div class="fact-value-wrapper"> <p class="fact-value">$1,000</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Interest Compounding Frequency"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Daily</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"PenFed Credit Union Money Market Certificates"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We picked <a href="https://www.forbes.com/advisor/banking/penfed-credit-union-review/">PenFed Credit Union</a> as the best for credit union CDs because anyone can join, and it pays 3.20% APY for a five-year certificate with a fairly modest $1,000 minimum deposit requirement. Despite having “money market” in the name, this is a share certificate, not a money market account.</p> <p><strong>Why We Like It</strong><br /> We like that you choose your maturity option when you open a certificate and can change it anytime prior to maturity. You can transfer your money into another PenFed account, roll it into a new certificate, get a mailed check or transfer it to a bank account via ACH.</p> <p><strong>What We Don’t Like</strong><br /> We don’t like that you must open a savings account to join the credit union.</p> <p><strong>Who It’s Best For</strong><br /> This account is best for anyone interested in opening a CD with a credit union that offers competitive rates and flexible maturity options.</p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"PenFed Credit Union Money Market Certificates"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive dividend rates across terms</li> <li>Wide range of certificate terms</li> <li>Change your maturity option at any time prior to maturity</li> <li>Dividends compounded daily on certificate terms greater than six months</li> </ul> </div> <div class="list-points cons"> <ul> <li>Membership is required to open a certificate</li> <li>Early withdrawal penalties can be steep</li> <li>Must open a savings account to access certificates</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Expert's Take","clickType":"Accordion","referenceText":"PenFed Credit Union Money Market Certificates"}'> Expert's Take </div> <div class="c-tab--content list-points"> <p>PenFed certificates have significantly lower rates across the maturity spectrum than others. In addition, their early withdrawal penalties are pretty onerous compared to what is standard. They’re about the most severe I have heard.</p> <p><em>—Jill Fopiano, CEO at O’Brien Wealth Partners</em></p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"PenFed Credit Union CD Rates","clickType":"Accordion","referenceText":"PenFed Credit Union Money Market Certificates"}'> PenFed Credit Union CD Rates </div> <div class="c-tab--content list-points"> <div class="mkpl-shortcode-instance default variation-1 advisor" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-simple_tables table style-1" style="text-align: center"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: center" class="primary-font"> TERM </th> <th style="text-align: center" class="primary-font"> APY </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">6 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.00%</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">12 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.65%</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">15 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.65%</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">18 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.60%</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">24 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.55%</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">36 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.40%</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">48 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.20%</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">60 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.20%</div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">84 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.00%</div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> <p><strong>Compounding schedule</strong></p> <p>The yields earned on credit union accounts are referred to as dividends rather than interest. Dividends on six-month certificates are earned on a simple (not compound) interest basis and are paid when the certificate matures. Dividends on all other CDs are compounded daily and credited monthly.</p> <p><strong>Maturity options</strong></p> <p>With PenFed, you choose your maturity option when you open your certificate and can change it anytime prior to maturity. This gives you some flexibility, and extra time, to decide what you’d like to do with the funds in your account when it matures. You can transfer the funds into another PenFed account, roll it into a new certificate, get a mailed check or transfer it via ACH.</p> </div> </div> </div> </div> </div> </section> </div> <div data-ecom-container='{"componentTitle":"Connexus Credit Union Share Certificate","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Connexus Credit Union Share Certificate","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"359449","itemName":"Connexus Credit Union Share Certificate","itemBrand":"Bankrate","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.6,"initialCost":0,"subscriptionCost":0}' id="connexus_credit_union_share_certificate"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Jumbo CDs</h2> <h3 class="card-title">Connexus Credit Union Share Certificate</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union Share Certificate" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Jumbo CDs" data-product-rating="4.6" data-product-offer="No" data-wp-postid="359449" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Connexus-Credit-Union-Share-Certificate.png" alt="Connexus Credit Union Share Certificate"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.6</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 90%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label=""> CD APY 60-month </p> <div class="fact-value-wrapper"> <p class="fact-value">2.52%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Minimum Deposit Requirement </p> <div class="fact-value-wrapper"> <p class="fact-value">$5,000</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Interest Compounding Frequency </p> <div class="fact-value-wrapper"> <p class="fact-value">Quarterly</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union Share Certificate" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Jumbo CDs" data-product-rating="4.6" data-product-offer="No" data-wp-postid="359449" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Connexus-Credit-Union-Share-Certificate.png" alt="Connexus Credit Union Share Certificate"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="Connexus Credit Union Share Certificate" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Jumbo CDs" data-product-rating="4.6" data-product-offer="No" data-wp-postid="359449" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> On Bankrate.com's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="CD APY 60-month"> </p> <div class="fact-value-wrapper"> <p class="fact-value">2.52%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum Deposit Requirement"> </p> <div class="fact-value-wrapper"> <p class="fact-value">$5,000</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Interest Compounding Frequency"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Quarterly</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Connexus Credit Union Share Certificate"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We chose <a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/">Connexus Credit Union</a> because you’ll qualify for a slightly higher APY if you open a five-year Jumbo CD with a minimum $100,000 deposit. However, Connexus also offers competitive yields on its regular share certificates.</p> <p><strong>Why We Like It</strong><br /> We like that the five-year share certificate earns 2.52% APY. Also, Connexus provides a mobile app that receives high ratings on both the App Store and Google Play for those who want to manage their savings while on the move.</p> <p><strong>What We Don’t Like</strong><br /> We don’t like that you’ll need a somewhat hefty $5,000 minimum deposit to open the share certificate account.</p> <p><strong>Who It’s Best For</strong><br /> This account is best for those who can swing the high minimum deposit to earn the Jumbo CD rates.</p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Connexus Credit Union Share Certificate"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive rates on its share certificates</li> <li>Highly rated mobile app</li> <li>No checking or savings account required to open a share certificate</li> </ul> </div> <div class="list-points cons"> <ul> <li>$5,000 minimum deposit required to open</li> <li>Dividends compounded quarterly</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Expert's Take","clickType":"Accordion","referenceText":"Connexus Credit Union Share Certificate"}'> Expert's Take </div> <div class="c-tab--content list-points"> <p>The biggest difference with Connexus is that it’s a credit union, not a for-profit bank. It offers certificates with competitive rates, but the higher minimum could exclude those with less cash. The interest on longer time frames drops off quite a bit, but it compares to some others on the list. This credit union’s emphasis on member service and community involvement may resonate with individuals seeking a personalized banking experience.</p> <p><em>—Gloria Garcia, CFP®</em></p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Connexus Credit Union CD Rates","clickType":"Accordion","referenceText":"Connexus Credit Union Share Certificate"}'> Connexus Credit Union CD Rates </div> <div class="c-tab--content list-points"> <div class="mkpl-shortcode-instance default variation-1 advisor" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-simple_tables table style-1" style="text-align: center"> <tr class="thead" style="background-color: #003186 !important"> <th style="text-align: center" class="primary-font"> TERM </th> <th style="text-align: center" class="primary-font"> APY </th> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">12 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.78% or 2.88% APY*</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">24 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.91% or 3.01% APY*</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">36 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.71% or 2.81% APY*</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">48 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.47% or 2.57% APY*</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">60 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.52% or 2.62% APY*</div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <div class="mkpl-table-caption"> <span>*Higher rates are for deposits of $100,000 or more.</span> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> <p><strong>Membership</strong></p> <p>You must become a credit union member to open a certificate with Connexus Credit Union. If you don’t qualify under the regular group and geographic categories of membership, you can join the credit union by making a one-time $5 donation to the Connexus Association.</p> <p><strong>Compounding schedule</strong></p> <p>Yields earned on credit union accounts are referred to as dividends rather than interest. At Connexus, dividends are compounded and credited to your account quarterly. Many other banks compound interest daily and pay it into your account quarterly, allowing your funds to grow faster than if they were held at Connexus.</p> <p><strong>Early withdrawal penalties and grace period</strong></p> <p>Early withdrawal penalties range from 90 to 365 days’ worth of dividends on the amount withdrawn. Share certificates automatically renew at maturity, following a 10-day grace period during which you can withdraw funds. All members are required to open a Connexus Credit Union Member Share Savings Account with a minimum deposit of $5.</p> </div> </div> </div> </div> </div> </section> </div> <div data-ecom-container='{"componentTitle":"Quontic Bank Certificate of Deposit","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Quontic Bank Certificate of Deposit","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"359475","itemName":"Quontic Bank Certificate of Deposit","itemBrand":"Rakuten","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Rakuten","coupon":"","secondaryCallout":"","starRatings":4.5,"initialCost":0,"subscriptionCost":0}' id="quontic_bank_certificate_of_deposit"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for CD Laddering</h2> <h3 class="card-title">Quontic Bank Certificate of Deposit</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" data-component-title="Generic Product Widget" data-product-name="Quontic Bank Certificate of Deposit" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for CD Laddering" data-product-rating="4.5" data-product-offer="No" data-wp-postid="359475" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/08/quontic-revised-logo.jpeg" alt="Quontic Bank Certificate of Deposit"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.5</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 90%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label=""> CD APY 60-month </p> <div class="fact-value-wrapper"> <p class="fact-value">3.00%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Minimum Deposit Requirement </p> <div class="fact-value-wrapper"> <p class="fact-value">$500</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Interest Compounding Frequency </p> <div class="fact-value-wrapper"> <p class="fact-value">Daily</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" data-component-title="Generic Product Widget" data-product-name="Quontic Bank Certificate of Deposit" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for CD Laddering" data-product-rating="4.5" data-product-offer="No" data-wp-postid="359475" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/08/quontic-revised-logo.jpeg" alt="Quontic Bank Certificate of Deposit"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" data-component-title="Generic Product Widget" data-product-name="Quontic Bank Certificate of Deposit" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for CD Laddering" data-product-rating="4.5" data-product-offer="No" data-wp-postid="359475" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> On Quontic Bank's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="CD APY 60-month"> </p> <div class="fact-value-wrapper"> <p class="fact-value">3.00%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum Deposit Requirement"> </p> <div class="fact-value-wrapper"> <p class="fact-value">$500</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Interest Compounding Frequency"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Daily</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Quontic Bank Certificate of Deposit"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We chose <a href="https://www.forbes.com/advisor/banking/quontic-bank-review/">Quontic Bank</a>’s five-year CD because the minimum opening deposit is $500, making it great for CD laddering. Laddering is a strategy where you open several CDs with different terms so they mature at staggered intervals, allowing you to access cash regularly while taking advantage of the highest rates.</p> <p><strong>Why We Like It</strong><br /> We like that Quontic Bank’s five-year CD pays a competitive 3.00% APY. It has a relatively low minimum deposit requirement of $500 and the interest earned compounds daily.</p> <p><strong>What We Don’t Like</strong><br /> We wish this account offered a wider variety of term options. Quontic certificates come in terms of six, 12, 24, 36 or 60 months.</p> <p><strong>Who It’s Best For</strong><br /> This account is best for those interested in <a href="https://www.forbes.com/advisor/banking/cds/cd-ladder-calculator/">CD laddering</a> or anyone who wants to get started with a small deposit.</p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Quontic Bank Certificate of Deposit"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive APYs across CD terms</li> <li>Innovative online and mobile tools</li> <li>Low minimum deposit requiremen</li> </ul> </div> <div class="list-points cons"> <ul> <li>Only five term options available</li> <li>No physical locations</li> <li>Quontic doesn’t accept cash deposits</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Expert's Take","clickType":"Accordion","referenceText":"Quontic Bank Certificate of Deposit"}'> Expert's Take </div> <div class="c-tab--content list-points"> <p>Some of the benefits of Quontic CDs are the low minimum to open an account and the ability to quickly get started online. The drawback of using digital banks like Quontic is that you don’t have access to physical branches. If you prefer the in-person banking experience or need to deposit cash, this could be a deterrent. It’s also good to note that you don’t necessarily earn a higher interest rate for locking up your money longer.</p> <p><em>—Gloria Garcia, CFP</em></p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Quontic Bank CD Rates","clickType":"Accordion","referenceText":"Quontic Bank Certificate of Deposit"}'> Quontic Bank CD Rates </div> <div class="c-tab--content list-points"> <div class="mkpl-shortcode-instance default variation-1 advisor" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-simple_tables table style-1" style="text-align: center"> <tr class="thead" style="background-color: #003186 !important"> <th style="text-align: center" class="primary-font"> TERM </th> <th style="text-align: center" class="primary-font"> APY </th> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">4.50%</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">6 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">4.25%</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">1 Year</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">4.00%</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2 Years</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.35%</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3 Years</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.25%</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">5 Years</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.00%</div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> <p>Interest compounds daily and is credited monthly. Once your CD matures, Quontic Bank provides a 10-day grace period to withdraw your funds. Otherwise, it automatically renews the CD. Early withdrawal penalties vary by term.</p> </div> </div> </div> </div> </div> </section> </div> <div data-ecom-container='{"componentTitle":"First National Bank of America Certificates of Deposit","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"First National Bank of America Certificates of Deposit","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"359459","itemName":"First National Bank of America Certificates of Deposit","itemBrand":"Bankrate","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.3,"initialCost":0,"subscriptionCost":0}' id="first_national_bank_of_america_certificates_of_deposit"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for High Rates</h2> <h3 class="card-title">First National Bank of America Certificates of Deposit</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="First National Bank of America Certificates of Deposit" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for High Rates" data-product-rating="4.3" data-product-offer="No" data-wp-postid="359459" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&amp;product-name=First+National+Bank+of+America&amp;sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/11/First-National-Bank-of-America-logo.png" alt="First National Bank of America Certificates of Deposit"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.3</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 90%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label=""> CD APY 60-month </p> <div class="fact-value-wrapper"> <p class="fact-value">3.96%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Minimum Deposit Requirement </p> <div class="fact-value-wrapper"> <p class="fact-value">$1,000</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Interest Compounding Frequency </p> <div class="fact-value-wrapper"> <p class="fact-value">Quarterly</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="First National Bank of America Certificates of Deposit" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for High Rates" data-product-rating="4.3" data-product-offer="No" data-wp-postid="359459" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&amp;product-name=First+National+Bank+of+America&amp;sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2020/11/First-National-Bank-of-America-logo.png" alt="First National Bank of America Certificates of Deposit"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="First National Bank of America Certificates of Deposit" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for High Rates" data-product-rating="4.3" data-product-offer="No" data-wp-postid="359459" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&amp;product-name=First+National+Bank+of+America&amp;sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> On Bankrate.com's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="CD APY 60-month"> </p> <div class="fact-value-wrapper"> <p class="fact-value">3.96%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum Deposit Requirement"> </p> <div class="fact-value-wrapper"> <p class="fact-value">$1,000</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Interest Compounding Frequency"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Quarterly</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"First National Bank of America Certificates of Deposit"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We picked the <a href="https://www.forbes.com/advisor/banking/first-national-bank-of-america-review/">First National Bank of America</a>’s five-year certificate of deposit because it offers high rates—including an impressive 3.96% APY on its five-year CD. The bank also offers six other CD term lengths, from 12 months to 84 months, that pay competitive rates.</p> <p><strong>Why We Like It</strong><br /> We like this account because the minimum deposit requirement to open a CD is a modest $1,000. Also, for those interested in banking on the go, the First National Bank of America mobile app is highly rated and available for both iOS and Android.</p> <p><strong>What We Don’t Like</strong><br /> We don’t like that this account compounds interest quarterly rather than daily.</p> <p><strong>Who It’s Best For</strong><br /> This account is best for savers who want some of the highest CD rates offered.</p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"First National Bank of America Certificates of Deposit"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive APYs across CD terms, especially longer terms</li> <li>Offers 72-month and 84-month CDs</li> <li>Relatively low minimum deposit requirement</li> </ul> </div> <div class="list-points cons"> <ul> <li>Interest compounded quarterly</li> <li>Fewer options for short-term CDs</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Expert's Take","clickType":"Accordion","referenceText":"First National Bank of America Certificates of Deposit"}'> Expert's Take </div> <div class="c-tab--content list-points"> <p>High long-term yields on First National Bank’s CDs may be suitable for those looking to lock in earnings over extended periods. However, quarterly compounded interest rates (versus monthly compounded rates) and high early withdrawal penalties may be drawbacks.</p> <p><em>—Wenyao Hu, CFA and Ph.D. Candidate</em></p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"First National Bank of America CD Rates","clickType":"Accordion","referenceText":"First National Bank of America Certificates of Deposit"}'> First National Bank of America CD Rates </div> <div class="c-tab--content list-points"> <div class="mkpl-shortcode-instance default variation-1 advisor" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-simple_tables table style-1" style="text-align: center"> <tr class="thead" style="background-color: #003186 !important"> <th style="text-align: center" class="primary-font"> TERM </th> <th style="text-align: center" class="primary-font"> APY </th> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">6 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">4.26% APY</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">12 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">4.26% APY</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">24 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">4.20% APY</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">36 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">4.10% APY</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">48 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">4.00% APY</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">60 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.96% APY</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">72 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.81% APY</div> </td> </tr> <tr style="background-color: #F3F5FB"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">84 Months</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3.81% APY</div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <div class="mkpl-table-caption"> <span>Rates and CD options may differ slightly for Michigan residents.</span> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> <p>Interest is compounded and credited to your account quarterly. The early withdrawal penalty ranges from 90 to 540 days of interest, depending on the term length. The bank provides a notice approximately 30 days before the CD matures, at which time you can decide to withdraw your funds, automatically renew your CD or roll over your funds to a different CD.</p> </div> </div> </div> </div> </div> </section> </div> <div data-ecom-container='{"componentTitle":"Bethpage Federal Credit Union Certificate Account","componentType":"Banking Product"}'> <section class="generic-widget-wrapper" id="genericProductWidget2021" data-generic-widget="root" data-ecom-container='{"componentTitle":"Bethpage Federal Credit Union Certificate Account","componentType":"Banking Product"}'> <div class="exclude-eds cc-wrapper toc-product-element toc-element" data-ecom-product='{"itemId":"359495","itemName":"Bethpage Federal Credit Union Certificate Account","itemBrand":"Bankrate","itemCategory":"Banking","itemCategory2":"","itemCategory3":"","itemCategory4":"","price":0,"quantity":1,"affiliation":"Bankrate","coupon":"","secondaryCallout":"","starRatings":4.3,"initialCost":0,"subscriptionCost":0}' id="bethpage_federal_credit_union_certificate_account"> <div class="featured-widget-label"> </div> <div class="cc-wrapper-inner shadow-effect "> <div class="card-top-wrap"> <div class="left"> <h2 class="card-best-for">Best for Low Minimum Deposits</h2> <h3 class="card-title">Bethpage Federal Credit Union Certificate Account</h3> <div class="bottom-wrap"> <div class="card-image-wrapper"> <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="Bethpage Federal Credit Union Certificate Account" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Low Minimum Deposits" data-product-rating="4.3" data-product-offer="No" data-wp-postid="359495" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Bethpage-Federal-Credit-Union.png" alt="Bethpage Federal Credit Union Certificate Account"> </a> </div> <div class="card-rating has-tooltip"> <div class="left-wrap"> <div class="rating-value">4.3</div> </div> <div class="right-wrap"> <div class="cc-rating-wrapper"> <span class="cc-rating" style="width: 90%;"></span> </div> <div class="rating-logo"> <img loading="lazy" width="85" height="12" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/fb-rating-logo.svg" alt="Forbes Advisor"> <span class="icon-tooltip icon-info"></span> </div> </div> <div class="card-rating-tooltip">Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team.</div></div> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label=""> CD APY 60-month </p> <div class="fact-value-wrapper"> <p class="fact-value">1.75%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Minimum Deposit Requirement </p> <div class="fact-value-wrapper"> <p class="fact-value">$50</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label=""> Interest Compounding Frequency </p> <div class="fact-value-wrapper"> <p class="fact-value">Daily</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="right"> <div class="card-image-wrapper"> <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" class="add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="NA" data-link-placement="Image Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="Bethpage Federal Credit Union Certificate Account" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Low Minimum Deposits" data-product-rating="4.3" data-product-offer="No" data-wp-postid="359495" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <img loading="lazy" width="125" height="70" class="card-image" src="https://thumbor.forbes.com/thumbor/fit-in/600x300/https://www.forbes.com/advisor/wp-content/uploads/2021/12/Bethpage-Federal-Credit-Union.png" alt="Bethpage Federal Credit Union Certificate Account"> </a> </div> <div class="btn-wrap primary-cta-btn-wrap">  <a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" class="apply-now c-button add-generic-widget-tid-attribute track-type" target="_blank" rel="nofollow" data-cta-text="Learn More" data-link-placement="Button Link" data-url="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" data-component-title="Generic Product Widget" data-product-name="Bethpage Federal Credit Union Certificate Account" data-product-category="Banking" data-product-position="NA" data-product-badge="Best for Low Minimum Deposits" data-product-rating="4.3" data-product-offer="No" data-wp-postid="359495" data-product-id="NA" data-product-segment="NA" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' > <span> Learn More </span> <img loading="lazy" width="32" height="32" src="https://www.forbes.com/advisor/wp-content/themes/fadv/assets/img/right-arrow.svg" alt="Arrow" > </a> <div class="secure-site-txt"> On Bankrate.com's Website </div> </div> </div> <div class="mobile-fact-wrapper"> <div class="facts-wrapper"> <div class="facts "> <p class="fact" data-attribute-label="CD APY 60-month"> </p> <div class="fact-value-wrapper"> <p class="fact-value">1.75%</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Minimum Deposit Requirement"> </p> <div class="fact-value-wrapper"> <p class="fact-value">$50</p> <p class="fact-value-light"></p> </div> </div> <div class="facts "> <p class="fact" data-attribute-label="Interest Compounding Frequency"> </p> <div class="fact-value-wrapper"> <p class="fact-value">Daily</p> <p class="fact-value-light"></p> </div> </div> </div> </div> </div> <div class="card-bottom-wrap"> <div class="tab-content-wrapper"> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Editor's Take","clickType":"Accordion","referenceText":"Bethpage Federal Credit Union Certificate Account"}' >Editor's Take</div> <div class="c-tab--content list-points"> <p>We chose the <a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/">Bethpage</a> five-year certificate because it has a very low $50 minimum deposit. The minimum balance to earn 1.75% APY on a five-year certificate is only $50.</p> <p><strong>Why We Like It</strong><br /> Aside from the low minimum deposit requirement, we like that Bethpage offers ten certificate term options ranging from three months to four years, as well as a bump-up certificate.</p> <p><strong>What We Don’t Like</strong><br /> We don’t like that you must open a savings account in order to open a certificate of deposit.</p> <p><strong>Who It’s Best For</strong><br /> This account is best for anyone looking to open a CD with very little cash.</p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Pros &amp; Cons","clickType":"Accordion","referenceText":"Bethpage Federal Credit Union Certificate Account"}'>Pros & Cons</div> <div class="c-tab--content list-points"> <div class="pros-cons-wrapper"> <div class="list-points pros"> <ul> <li>Competitive dividend yields across terms</li> <li>Wide range of terms</li> <li>Very low $50 minimum deposit requirement</li> <li>Fairly easy to join</li> </ul> </div> <div class="list-points cons"> <ul> <li>It’s possible to find higher rates at other banks and credit unions</li> <li>Must open a savings account to access certificates</li> <li>Requires membership</li> </ul> </div> </div> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Expert's Take","clickType":"Accordion","referenceText":"Bethpage Federal Credit Union Certificate Account"}'> Expert's Take </div> <div class="c-tab--content list-points"> <p><span style="font-weight: 400;">Some Bethpage CDs are offering competitive interest rates for savers looking to lock in an interest rate for an extended period of time, which can make sense if rates fall in the near future. Keep in mind that Bethpage CDs automatically renew at maturity, so if you need to free up your funds at the end of your CD maturity period, set a calendar reminder to request your funds when your CD matures.</span></p> <p><i><span style="font-weight: 400;">—</span></i><a href="https://www.forbes.com/advisor/advisory-board/banking/natalie-taylor-cfp-bfa/"><i><span style="font-weight: 400;">Natalie Taylor</span></i></a><i><span style="font-weight: 400;">, CFP</span></i></p> </div> <div class="accordion-tab " data-ecom-misc-click='{"clickText":"Bethpage Federal Credit Union CD Rates","clickType":"Accordion","referenceText":"Bethpage Federal Credit Union Certificate Account"}'> Bethpage Federal Credit Union CD Rates </div> <div class="c-tab--content list-points"> <div class="mkpl-shortcode-instance default variation-1 advisor" data-custom-value="mkpl-tables-" data-variation="variation-1" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="2" class="mkpl-simple_tables table style-1" style="text-align: center"> <tr class="thead" style="background-color: #4657A1 !important"> <th style="text-align: center" class="primary-font"> TERM </th> <th style="text-align: center" class="primary-font"> APY </th> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">3 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">1.25% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">6 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.25% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">11 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.25% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">12 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.25% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">18 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">1.75% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">24 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">1.75% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">30 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">1.75% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">36 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.75% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">39 Month Bump-Up </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">2.75% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">48 Month </div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">1.75% </div> </td> </tr> <tr style="background-color: #f8f8f8"> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">60 Month</div> </td> <td class=" wysiwyg-editor" > <div class="cell-content primary-font">1.75%</div> </td> </tr> </table> <div> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img loading="lazy" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button id="seeMoreBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button id="seeLessBtn" type="button" class="primary-font" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> <p><strong>Compounding schedule</strong></p> <p>The yields earned on credit union accounts are referred to as dividends rather than interest. For certificates opened online, dividends are compounded daily and credited monthly. Members who open a six-, 12-, 24-, 36- or 39-month certificate in a branch can select a dividend period and crediting frequency of monthly or quarterly.</p> <p><strong>Maturity options</strong></p> <p>There’s a seven-day grace period after your certificate matures to renew or change the account.</p> <p><strong>Early withdrawal penalty</strong></p> <p>Early withdrawal penalties equal either 90 or 180 days’ dividends, depending on term length.</p> </div> </div> </div> </div> </div> </section> </div> <hr /> </div> <div id="summary_best_5_year_cd_rates_of_2025_section" class="article-section " data-ecom-container='{"componentTitle":"Summary: Best 5-Year CD Rates of 2025","componentType":"Top Ten Template - Sections"}' > <h2>Summary: Best 5-Year CD Rates of 2025</h2> <div class="section-content wysiwyg-content blue-bullets "> <div class="mkpl-shortcode-instance variation-2 advisor" data-custom-value="mkpl-tables-1375757" data-variation="variation-2" data-ecom-container='{"componentTitle":"","componentType":"Simple Table"}'> <div class="mkpl-mobile-table-container" style="display: none"> <div class="mkpl-table-inner-container"> <div class="mkpl-mobile-table-scroll"> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/11/PenFed-Credit-Union-e1598206183491-removebg-preview.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' >PenFed Credit Union Money Market Certificates</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.8</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Bankrate.com's Website</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Cd Apy 60-month </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">3.20%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Minimum Deposit Requirement </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$1,000</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Interest Compounding Frequency </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Daily</div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/Connexus-Credit-Union-Share-Certificate.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' >Connexus Credit Union Share Certificate</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Bankrate.com's Website</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Cd Apy 60-month </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">2.52%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Minimum Deposit Requirement </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$5,000</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Interest Compounding Frequency </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Quarterly</div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Quontic-Bank-1.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' >Quontic Bank Certificate of Deposit</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.5</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Quontic Bank's Website</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Cd Apy 60-month </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">3.00%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Minimum Deposit Requirement </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$500</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Interest Compounding Frequency </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Daily</div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/01/First-National-Bank-of-America.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' >First National Bank of America Certificates of Deposit</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.3</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Bankrate.com's Website</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Cd Apy 60-month </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">3.96%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Minimum Deposit Requirement </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$1,000</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Interest Compounding Frequency </div> <div class="mkpl-col-value"> <div class="cell-content primary-font"> Quarterly</div> </div> </div> </div> <div class="mkpl-single-row"> <div class="mkpl-product-details cell cell-col-1"> <div class="mkpl-prod-image"> <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Bethpage-Federal-Credit-Union.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' >Bethpage Federal Credit Union Certificate Account</a></div></div> </div> <div class="mkpl-prod-rating"> <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.3</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </div> <div class="mkpl-prod-cta"> <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Bankrate.com's Website</div></div> </div> </div> <div class="mkpl-single-column cell cell-col-2"> <div class="mkpl-col-name"> Cd Apy 60-month </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">1.75%</div> </div> </div> <div class="mkpl-single-column cell cell-col-3"> <div class="mkpl-col-name"> Minimum Deposit Requirement </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">$50</div> </div> </div> <div class="mkpl-single-column cell cell-col-4"> <div class="mkpl-col-name"> Interest Compounding Frequency </div> <div class="mkpl-col-value"> <div class="cell-content primary-font">Daily</div> </div> </div> </div> </div> </div> </div> <div class="mkpl-desktop-table-container" style="display: none" id="mkpl-table-container"> <div id="mkpl-table-main-container"> <div id="mkpl-table-scroll" class="table-container " > <table id="mkpl-market-table" data-mc="0" data-tcc="6" class="mkpl-simple_tables table style-1" style="text-align: left"> <tr class="thead" style="background-color: #003186 !important"> <th width="20%" style="text-align: left" class="primary-font"> CERTIFICATE </th> <th width="20%" style="text-align: left" class="primary-font"> FORBES ADVISOR RATING </th> <th width="20%" style="text-align: left" class="primary-font"> CD APY 60-MONTH </th> <th width="20%" style="text-align: left" class="primary-font"> MINIMUM DEPOSIT REQUIREMENT </th> <th width="20%" style="text-align: left" class="primary-font"> INTEREST COMPOUNDING FREQUENCY </th> <th width="25%" style="text-align: left" class="primary-font"> LEARN MORE </th> </tr> <tr style="background-color: #F3F5FB"> <td width="20%" width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/11/PenFed-Credit-Union-e1598206183491-removebg-preview.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' >PenFed Credit Union Money Market Certificates</a></div></div> </td> <td width="20%" width="20%" class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.8</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td width="20%" width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">3.20%</div> </td> <td width="20%" width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">$1,000</div> </td> <td width="20%" width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">Daily</div> </td> <td width="25%" width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Bankrate.com's Website</div></div> </td> </tr> <tr style="background-color: #F3F5FB"> <td width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2024/06/Connexus-Credit-Union-Share-Certificate.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' >Connexus Credit Union Share Certificate</a></div></div> </td> <td width="20%" class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.6</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">2.52%</div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">$5,000</div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">Quarterly</div> </td> <td width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Bankrate.com's Website</div></div> </td> </tr> <tr style="background-color: #F3F5FB"> <td width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Quontic-Bank-1.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' >Quontic Bank Certificate of Deposit</a></div></div> </td> <td width="20%" class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.5</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">3.00%</div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">$500</div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">Daily</div> </td> <td width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1586125.6&type=3&subid=0&LSNSUBSITE=LSNSUBSITE","partnerName":"Rakuten"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Quontic Bank's Website</div></div> </td> </tr> <tr style="background-color: #F3F5FB"> <td width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2022/01/First-National-Bank-of-America.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' >First National Bank of America Certificates of Deposit</a></div></div> </td> <td width="20%" class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.3</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">3.96%</div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">$1,000</div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font"> Quarterly</div> </td> <td width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Bankrate.com's Website</div></div> </td> </tr> <tr style="background-color: #F3F5FB"> <td width="20%" class=" product-image" > <div class="mkpl-product-container"><div class="mkpl-product-image-container"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"Image Link","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><img decoding="async" src="https://www.forbes.com/advisor/wp-content/uploads/2021/12/Bethpage-Federal-Credit-Union.png" class="mkpl-product-image" alt="" /></a></div><div class="mkpl-product-name primary-font"><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" class="primary-font" data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' >Bethpage Federal Credit Union Certificate Account</a></div></div> </td> <td width="20%" class=" ratings" > <div class="mkpl-product-rating-container mkpl-tooltip-trigger" data-tooltip-text="Our ratings take into account a product's APYs, fees, minimums and other category-specific attributes. All ratings are determined solely by our editorial team."><div class="mkpl-logo-container"><img decoding="async" class="mkpl-rating-vertical-logo" height="11" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/forbes-advisor.svg" alt="Forbes Advisor" /></div><div class="mkpl-product-rating"><div class="mkpl-product-rating-txt primary-font">4.3</div><div class="mkpl-star-rating-container"><div class="mkpl-rating-stars"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/filled-star.svg" alt="" /><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/half-star.svg" alt="" /></div></div><div class="mkpl-product-rating-tooltip"><img decoding="async" src="https://www.forbes.com/advisor/wp-content/plugins/marketplace-tables/public/images/tooltip.svg" alt="" /></div> </div> </div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">1.75%</div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">$50</div> </td> <td width="20%" class=" wysiwyg-editor" > <div class="cell-content primary-font">Daily</div> </td> <td width="25%" class=" product-cta" > <div class="mkpl-product-cta-container advisor"><div><a class="mkpl-product-cta-button primary-font" href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value" rel="nofollow" target="_blank" data-ecom-conversion='{"clickText":"Learn More","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=Forbes_TID_value","partnerName":"Bankrate"}' ><span class="primary-font">Learn More</span></a></div><div class="mkpl-cta-subtext primary-font">On Bankrate.com's Website</div></div> </td> </tr> </table> <div class="mkpl-table-navigation-arrows"> <button type="button" id="left-arrow" data-ecom-misc-click='{"clickText":"Left","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADJSURBVHgBXZCxDcIwEEXvLrbTMgIjeAQXQB0aUiBENgAmIBswQkJJg6iQaGAF2CBskBY5wbEjWXLiwjr73f//dAijo5JiEse01Zrd2BhwgS8DIDnXcgBFjAUASltWkeY5eTBPSwcSW9ZMM3W/rr+9crY6HxEgcwCBeuD+yQFCyPsH/pePy+bj3YiCzLaNTDgDumuRlidb7o2BmpCUV2M4EAJmrqFtmHzaXAxtfAOAqRrNVRgJ+mcOFryt4dQuIR8o/ZaEoB1rWNkBtuxEvL1bUnQAAAAASUVORK5CYII=" alt="Left Arrow" /> </button> <button type="button" id="right-arrow" data-ecom-misc-click='{"clickText":"Right","clickType":"Button","referenceText":""}'> <img decoding="async" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAcAAAAMCAYAAACulacQAAAACXBIWXMAAAsTAAALEwEAmpwYAAAAAXNSR0IArs4c6QAAAARnQU1BAACxjwv8YQUAAADQSURBVHgBdVC5DcJAENw53pAS6AA6wAlPCAGCDLsSoAJEBXwJEDk0JrA7wCW4BMeH5GXP2MggscHenEYzNzew5rt2PVULrdNt6DoJlUY1GEsCrWp1BNZ41/oiAV7LGQPo1hrYlEmYNRLrlNVDYIuJ9/eL7WRKs7yzE4OUJTABwR7M9puPspj+9NiD4tDglGml6M8YolJchrNTh8CewCaJyr8u1plt9tc8ECTQLQ+EN4FAYJuIXf9iTwq3qimBhWDm6KnZKb9bzUpgRFrz4be+FwjJTXtIGD7JAAAAAElFTkSuQmCC" alt="Right Arrow"/> </button> </div> </div> <button type="button" class="primary-font" id="seeMoreBtn" style="display: none;" data-ecom-misc-click='{"clickText":"See More","clickType":"Button","referenceText":""}' >See More</button> <button type="button" class="primary-font" id="seeLessBtn" style="display: none;" data-ecom-misc-click='{"clickText":"See Less","clickType":"Button","referenceText":""}' >See Less</button> </div> </div></div> </div> <hr /> </div> <div id="methodology_section" class="article-section " data-ecom-container='{"componentTitle":"Methodology","componentType":"Top Ten Template - Sections"}' > <h2>Methodology</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>To create this list, Forbes Advisor analyzed 142 CD accounts across 84 financial institutions, including a mix of traditional brick-and-mortar banks, online banks and credit unions. For the star rating, we ranked each institution on 11 data points within the categories of APY, minimums, compound interest schedule, customer experience, digital experience, available terms and overall availability. We also analyzed and ranked each institution by individual term.</p> <p>The following is the weighting assigned to each category:</p> <ul> <li>APY: 50%</li> <li>Customer and digital experience: 20%</li> <li>Minimum deposit requirement: 12.5%</li> <li>Compound interest schedule: 7.5%</li> <li>Availability: 5%</li> <li>Available terms: 5%</li> </ul> <p>CD accounts with higher APYs rose to the top of the list. Minimum deposit requirements of $10,000 or higher affected scores negatively. Accounts with daily compounding interest schedules were scored higher than those with monthly or quarterly schedules. To appear on this list, the account must be nationally available.</p> <p>To learn more about our rating and review methodology and editorial process, check out our guide on <a href="https://www.forbes.com/advisor/banking/review-methodology/"data-ecom-link='{"clickText":"How Forbes Advisor Reviews Banks","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/review-methodology\/","clickType":"internal"}'>How Forbes Advisor Reviews Banks</a>.</p> </div> <hr /> </div> <div id="current_5_year_cd_rates_section" class="article-section " data-ecom-container='{"componentTitle":"Current 5-Year CD Rates","componentType":"Top Ten Template - Sections"}' > <h2>Current 5-Year CD Rates</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>The current national average rate for a five-year CD is 1.31% as of February 2025, according to the FDIC. This represents the average across all banks and credit unions that provide data. However, many of the best five-year CDs offer rates several times greater than this.</p> </div> <hr /> </div> <div id="how_to_find_the_highest_5_year_cd_rates_section" class="article-section " data-ecom-container='{"componentTitle":"How To Find the Highest 5-Year CD Rates","componentType":"Top Ten Template - Sections"}' > <h2>How To Find the Highest 5-Year CD Rates</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>To find the highest five-year CD rates, don’t just look for banks and credit unions that claim to beat the national average. Truly competitive certificate accounts will pay interest rates far above this, making the average APY a less-than-helpful point of comparison.</p> <p>Instead, compare current rates between the institutions featured on this list and any others you know you like to work with. You can also use our <a href="https://www.forbes.com/advisor/banking/cds/best-cd-rates/"data-ecom-link='{"clickText":"Best CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/","clickType":"internal"}'>Best CD Rates</a> list to see available APYs and learn the advantages and disadvantages of different banks. Most banks offer CD terms of up to five years.</p> <div class="pro-tip pro-tip-wrapper"> <div class="pro-tip__heading"><span class="icon"></span><span class="text">Pro Tip</span></div> <div class="pro-tip__content">For any account you’re considering, make sure you’re comfortable with the minimum deposit requirement and early withdrawal penalty. If you deposit more than you can afford to lock up for the entirety of the CD term, an early withdrawal penalty could eat into your earnings.</div> </div> </div> <hr /> </div> <div id="how_5_year_cd_rates_performed_over_the_years_section" class="article-section " data-ecom-container='{"componentTitle":"How 5-Year CD Rates Performed Over the Years","componentType":"Top Ten Template - Sections"}' > <h2>How 5-Year CD Rates Performed Over the Years</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Here’s a look at how rates on 5-year CD rates have performed since 2009.<br /> <iframe id="datawrapper-chart-SsPXY" style="width: 0; min-width: 100% !important; border: none;" title="Average 5-Year CD Rates (2009-Present)" src="https://datawrapper.dwcdn.net/SsPXY/12/" height="512" frameborder="0" scrolling="no" aria-label="Grouped Columns" data-external="1"></iframe><script type="text/javascript">!function(){"use strict";window.addEventListener("message",(function(a){if(void 0!==a.data["datawrapper-height"]){var e=document.querySelectorAll("iframe");for(var t in a.data["datawrapper-height"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data["datawrapper-height"][t]+"px";e[r].style.height=i}}}))}();</script></p> </div> <hr /> </div> <div id="complete_guide_to_5_year_cd_rates_section" class="article-section " data-ecom-container='{"componentTitle":"Complete Guide to 5-Year CD Rates","componentType":"Top Ten Template - Sections"}' > <h2>Complete Guide to 5-Year CD Rates</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="#what_is_a_5_year_cd_section"data-ecom-link='{"clickText":"What Is a 5-Year CD?","clickCat":"Primary","clickUrl":"#what_is_a_5_year_cd_section","clickType":"external"}'>What Is a 5-Year CD?</a></li> <li><a href="#pros_and_cons_of_5_year_cds_section"data-ecom-link='{"clickText":"Pros and Cons of 5-Year CDs","clickCat":"Primary","clickUrl":"#pros_and_cons_of_5_year_cds_section","clickType":"external"}'>Pros and Cons of 5-Year CDs</a></li> <li><a href="#key_factors_to_consider_before_opening_a_5_year_cd_section"data-ecom-link='{"clickText":"Key Factors To Consider Before Opening a 5-Year CD","clickCat":"Primary","clickUrl":"#key_factors_to_consider_before_opening_a_5_year_cd_section","clickType":"external"}'>Key Factors To Consider Before Opening a 5-Year CD</a></li> <li><a href="#how_to_choose_a_5_year_cd_section"data-ecom-link='{"clickText":"How To Choose a 5-Year CD","clickCat":"Primary","clickUrl":"#how_to_choose_a_5_year_cd_section","clickType":"external"}'>How To Choose a 5-Year CD</a></li> <li><a href="#alternatives_to_5_year_cds_section"data-ecom-link='{"clickText":"Alternatives to 5-Year CDs","clickCat":"Primary","clickUrl":"#alternatives_to_5_year_cds_section","clickType":"external"}'>Alternatives to 5-Year CDs</a></li> <li><a href="#recap_best_5_year_cd_rates_section"data-ecom-link='{"clickText":"Recap: Best 5-Year CD Rates","clickCat":"Primary","clickUrl":"#recap_best_5_year_cd_rates_section","clickType":"external"}'>Recap: Best 5-Year CD Rates</a></li> <li><a href="#are_5_year_cds_worth_it_section"data-ecom-link='{"clickText":"Are 5-Year CDs Worth It?","clickCat":"Primary","clickUrl":"#are_5_year_cds_worth_it_section","clickType":"external"}'>Are 5-Year CDs Worth It?</a></li> <li><a href="#banks_we_monitor_section"data-ecom-link='{"clickText":"Banks We Monitor","clickCat":"Primary","clickUrl":"#banks_we_monitor_section","clickType":"external"}'>Banks We Monitor</a></li> <li><a href="#frequently_asked_questions_faqs_section"data-ecom-link='{"clickText":"Frequently Asked Questions (FAQs)","clickCat":"Primary","clickUrl":"#frequently_asked_questions_faqs_section","clickType":"external"}'>Frequently Asked Questions (FAQs)</a></li> </ul> </div> <hr /> </div> <div id="what_is_a_5_year_cd_section" class="article-section " data-ecom-container='{"componentTitle":"What Is a 5-Year CD?","componentType":"Top Ten Template - Sections"}' > <h2>What Is a 5-Year CD?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>A five-year CD is a certificate of deposit that keeps your money locked up for five years, or 60 months. CDs typically offer higher interest rates than <a href="https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/"data-ecom-link='{"clickText":"savings accounts","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/","clickType":"internal"}'>savings accounts</a> and other types of deposit accounts, making them a good option if you want to grow your money. However, they also require you to leave your cash in the account for the entire term, which can be a drawback if you need to access your money before the CD matures.</p> <p>CDs are <a href="https://www.forbes.com/advisor/banking/key-facts-about-the-fdic/"data-ecom-link='{"clickText":"FDIC-insured","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/key-facts-about-the-fdic\/","clickType":"internal"}'>FDIC-insured</a>, which means your money is protected up to $250,000 if the bank fails. They are also relatively low-risk investments, which can be appealing to risk-averse investors.</p> <h3>How Does a 5-Year CD Work?</h3> <p>When you open a five-year CD, you agree to deposit a set amount of money into an account and leave it there for five years. In return, the issuing bank promises to pay you interest at a guaranteed rate. The interest might be compounded daily, monthly, quarterly or annually.</p> <p>At the end of the five years, the CD matures, and you get back your original deposit plus the interest earned. Alternatively, you can reinvest your principal and earnings by allowing the account to renew for another term. If you decide to withdraw funds before five years are up, you’ll likely pay an early withdrawal penalty and lose some of the interest you’ve accumulated.</p> <h3>Who Should Open a 5-Year CD?</h3> <p>A five-year CD could be a good fit for someone who has a lump sum of cash that they know they won’t need to access for a significant period of time. You can potentially earn more in interest on your funds with a five-year CD than in a traditional savings account at a brick-and-mortar bank.</p> </div> <hr /> </div> <div id="pros_and_cons_of_5_year_cds_section" class="article-section " data-ecom-container='{"componentTitle":"Pros and Cons of 5-Year CDs","componentType":"Top Ten Template - Sections"}' > <h2>Pros and Cons of 5-Year CDs</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>A five-year CD is a substantial commitment. Before you invest in a long-term CD, it helps to understand the pros and cons of locking up your funds for such a considerable period.</p> <h3>Pros</h3> <ul> <li><strong>Higher yields.</strong> Compared to shorter-term CDs, five-year CDs offer some of the highest CD rates available.</li> <li><strong>No access to your money.</strong> If you want to remove the temptation to tap your savings for an extended period, a five-year CD term can be a useful tool. You’ll generally face a hefty early withdrawal penalty if you feel the itch to make a withdrawal.</li> </ul> <h3>Cons</h3> <ul> <li><strong>No access to higher APYs. </strong>If certificate of deposit interest rates rise during your five-year CD term, you could miss out on earning a higher interest rate on your funds.</li> <li><strong>Early withdrawal penalties. </strong><a href="https://www.forbes.com/advisor/banking/cds/cd-early-withdrawal-penalty/"data-ecom-link='{"clickText":"Early withdrawal penalties","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-early-withdrawal-penalty\/","clickType":"internal"}'>Early withdrawal penalties</a> can be steep. An emergency could force you to tap your five-year CD and cost you dearly.</li> </ul> </div> <hr /> </div> <div id="key_factors_to_consider_before_opening_a_5_year_cd_section" class="article-section " data-ecom-container='{"componentTitle":"Key Factors To Consider Before Opening a 5-Year CD","componentType":"Top Ten Template - Sections"}' > <h2>Key Factors To Consider Before Opening a 5-Year CD</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>Opening a five-year CD is a big commitment, so be sure to acknowledge the necessary factors before choosing an account.</p> <ul> <li><strong>Balance requirement to earn the maximum APY.</strong> Ensure you can meet the minimum balance requirement to earn the best APY. Otherwise, you might earn less than expected.</li> <li><strong>Minimum deposit for opening.</strong> Some CDs require a certain minimum deposit to open the account. So even if you have money set aside for a CD, you may not be able to open the account with the highest APY.</li> <li><strong>Time.</strong> Five-year CDs are time-deposit accounts, so you must give up access to your funds for five years to collect the advertised interest. Be sure you’re willing to lock your funds away for the entirety of the term. If you withdraw funds early, you’ll sacrifice some or all of your earnings.</li> <li><strong>Adding funds.</strong> Standard CD accounts don’t allow additional deposits after account opening, but some add-on CDs do. If you want the option to deposit funds throughout your CD term, search online for add-on CDs.</li> </ul> </div> <hr /> </div> <div id="how_to_choose_a_5_year_cd_section" class="article-section " data-ecom-container='{"componentTitle":"How To Choose a 5-Year CD","componentType":"Top Ten Template - Sections"}' > <h2>How To Choose a 5-Year CD</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>With a five-year CD, you’re looking at a longer-term investment, so you want to be sure that the fixed APY on offer is sufficient to make it appropriate to tie up your funds for five full years, unless you’re willing to risk incurring an early withdrawal penalty. As with any CD, consider:</p> <ul> <li><strong>APY. </strong>With a five-year CD, you’re taking on a higher risk that interest or dividend rates could increase during the term of the CD. Is the <a href="https://www.forbes.com/advisor/banking/what-is-apy/"data-ecom-link='{"clickText":"APY","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/what-is-apy\/","clickType":"internal"}'>APY</a> being offered sufficient to give you confidence in investing at that rate for a five-year period?</li> <li><strong>Compounding schedule. </strong>To receive the best return on your investment, look for interest or dividends to be compounded on a daily basis, rather than monthly or quarterly.</li> <li><strong>Safety. </strong>Look for financial institutions that are insured by the Federal Deposit Insurance Corporation (<a href="https://www.forbes.com/advisor/banking/key-facts-about-the-fdic/"data-ecom-link='{"clickText":"FDIC","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/key-facts-about-the-fdic\/","clickType":"internal"}'>FDIC</a>) or the National Credit Union Administration (<a href="https://www.forbes.com/advisor/banking/what-is-the-national-credit-union-administration/"data-ecom-link='{"clickText":"NCUA","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/what-is-the-national-credit-union-administration\/","clickType":"internal"}'>NCUA</a>). In the event of a bank or credit union failure, your deposits would be insured for up to $250,000 per account for each account ownership category.</li> <li><strong>Early withdrawal. </strong>A very important factor, especially with a longer-term certificate, is the CD’s <a href="https://www.forbes.com/advisor/banking/cds/cd-early-withdrawal-penalty/"data-ecom-link='{"clickText":"early withdrawal penalty","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-early-withdrawal-penalty\/","clickType":"internal"}'>early withdrawal penalty</a>. If you need to access your money before the five years are over, the early withdrawal penalty could decrease your interest or dividend earnings. Some banks impose withdrawal penalties that could not only reclaim any interest earned but also reduce your principal balance.</li> <li><strong>Term. </strong>Can you manage your household finances without access to these funds for the full five years? If it’s likely that you’ll withdraw funds before the CD’s maturity date, a savings account or <a href="https://www.forbes.com/advisor/banking/best-money-market-accounts/"data-ecom-link='{"clickText":"money market account","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/best-money-market-accounts\/","clickType":"internal"}'>money market account</a> may be a better savings choice.</li> </ul> <div class="pro-tip pro-tip-wrapper"> <div class="pro-tip__heading"><span class="icon"></span><span class="text">Pro Tip</span></div> <div class="pro-tip__content">When creating a CD ladder, keeping your CDs with the same bank can be convenient, but it can also cause you to miss out on better yields. Traditional CD ladders include CD terms from one to five years, and you should take the time to find the best rates for each (especially the five-year CD, which will take the longest to mature).</div> </div> </div> <hr /> </div> <div id="alternatives_to_5_year_cds_section" class="article-section " data-ecom-container='{"componentTitle":"Alternatives to 5-Year CDs","componentType":"Top Ten Template - Sections"}' > <h2>Alternatives to 5-Year CDs</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>If you’re thinking a five-year CD isn’t for you, here are a few other options to consider:</p> <ul> <li><strong>High-yield savings account. </strong>High-yield savings accounts may not earn as much as the best five-year CD rates, but you can access your money when you need to—up to six times per month, in some cases. So a <a href="https://www.forbes.com/advisor/banking/savings/best-high-yield-savings-accounts/"data-ecom-link='{"clickText":"high-yield savings account","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/","clickType":"internal"}'>high-yield savings account</a> may be a good trade-off if you don’t want to lock your money away.</li> <li><strong>Money market account. </strong>A high-yield money market account is similar to a high-yield savings account. But it typically comes with check-writing privileges and a debit card, giving you even more ways to access your cash.</li> <li><strong>Bonds. </strong>A <a href="https://www.forbes.com/advisor/investing/what-is-a-bond/"data-ecom-link='{"clickText":"bond","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/what-is-a-bond\/","clickType":"internal"}'>bond</a> can be a good alternative to a five-year CD if you want a low-risk on-ramp to the stock market. But they’re not federally insured like CDs, so they could lose value.</li> <li><strong>Treasury Inflation-Protected Securities (TIPS).</strong> TIPS are a type of government bond designed to keep up with inflation. They generally pay interest every six months. You can invest in <a href="https://www.forbes.com/advisor/investing/treasury-inflation-protected-securities-tips/"data-ecom-link='{"clickText":"TIPS","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/investing\/treasury-inflation-protected-securities-tips\/","clickType":"internal"}'>TIPS</a> through the Treasury Direct website or by buying them inside of an ETF or mutual fund.</li> </ul> </div> <hr /> </div> <div id="recap_best_5_year_cd_rates_section" class="article-section " data-ecom-container='{"componentTitle":"Recap: Best 5-Year CD Rates","componentType":"Top Ten Template - Sections"}' > <h2>Recap: Best 5-Year CD Rates</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=N753123877_C1718797452845733137" rel="nofollow"data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-firstnationalbankofamerica-spl-lp&product-name=First+National+Bank+of+America&sub-id=N753123877_C1718797452845733137","partnerName":"Bankrate"}'>First National Bank of America Certificates of Deposit</a>: 3.96% APY<br /> We chose First National Bank of America because it offers some of the highest CD rates.</li> <li><a href="https://click.linksynergy.com/fs-bin/click?id=4e4NFxuugkU&offerid=1120358.6&type=3&subid=0&u1=N753123877_C1718797450465283849&u1=PARTNER_TID_VALUE" rel="nofollow"data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/click.linksynergy.com\/fs-bin\/click?id=4e4NFxuugkU&offerid=1120358.6&type=3&subid=0&u1=N753123877_C1718797450465283849&u1=PARTNER_TID_VALUE","partnerName":"Rakuten"}'>Quontic Bank Certificate of Deposit</a>: 3.00% APY<br /> We chose Quontic Bank because it’s low minimum deposit makes it perfect for CD laddering.</li> <li><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=N753123877_C1718797452401157755" rel="nofollow"data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-bethpage-spl-lp&product-name=Bethpage+FCU&sub-id=N753123877_C1718797452401157755","partnerName":"Bankrate"}'>Bethpage Federal Credit Union Certificate Account</a>: 1.75% APY<br /> We chose Bethpage Federal Credit Union because it has the lowest minimum deposit on this list—only $50.</li> <li><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=N753123877_C1718797452776264970" rel="nofollow"data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-penfed-spl-lp&product-name=Penfed+CD&sub-id=N753123877_C1718797452776264970","partnerName":"Bankrate"}'>PenFed Credit Union Money Market Certificates</a>: 3.20% APY<br /> We chose PenFed Credit Union because it offers a variety of CD terms, and you can choose what happens when your CD matures.</li> <li><a href="https://www.bankrate.com/landing/forbes/cds-spl-landing-pages/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=N753123877_C1718797452185806358" rel="nofollow"data-ecom-conversion='{"clickText":"","clickUrl":"https:\/\/www.bankrate.com\/landing\/forbes\/cds-spl-landing-pages\/?mf_ct_campaign=forbes-cds-connexus-spl-lp&product-name=Connexus+CU&sub-id=N753123877_C1718797452185806358","partnerName":"Bankrate"}'>Connexus Credit Union Share Certificate</a>: 2.52% APY<br /> We chose Connexus Credit Union because if you can swing a larger deposit, you can earn higher jumbo CD rates.</li> </ul> </div> <hr /> </div> <div id="are_5_year_cds_worth_it_section" class="article-section " data-ecom-container='{"componentTitle":"Are 5-Year CDs Worth It?","componentType":"Top Ten Template - Sections"}' > <h2>Are 5-Year CDs Worth It?</h2> <div class="section-content wysiwyg-content blue-bullets "> <p>The answer depends on your financial and savings goals. If you have significant liquid savings in an <a href="https://www.forbes.com/advisor/banking/best-places-to-keep-your-emergency-fund/"data-ecom-link='{"clickText":"emergency fund","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/best-places-to-keep-your-emergency-fund\/","clickType":"internal"}'>emergency fund</a> and are most concerned with keeping money at a safe distance to resist the temptation to spend, a five-year CD could be a fit. However, in a rising interest rate environment, you’re typically better off <a href="https://www.forbes.com/advisor/banking/cds/cd-ladder/"data-ecom-link='{"clickText":"laddering your CDs","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-ladder\/","clickType":"internal"}'>laddering your CDs</a>. With a CD laddering strategy, CDs mature regularly, offering you more liquidity and access to higher rates.</p> </div> <hr /> </div> <div id="banks_we_monitor_section" class="article-section hide-section-title" data-ecom-container='{"componentTitle":"Banks We Monitor","componentType":"Top Ten Template - Sections"}' > <div class="section-content wysiwyg-content blue-bullets "> <div class="accordion-container" data-ecom-container='{"componentTitle":"","componentType":"Accordion"}'> <div class="accordion-item " data-ecom-misc-click='{"clickText":"Banks We Monitor","clickType":"Accordion","referenceText":""}'> <div class="accordion-item__title wysiwyg-content"> <h2 class="accordion-item__title-text">Banks We Monitor </h2> </div> <div class="accordion-item__content wysiwyg-content" style="display: none"> <p>These financial institutions were included in our research for the best jumbo CD rates: <a href="https://www.forbes.com/advisor/banking/ablebanking-review/">ableBanking</a>, Affinity Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/ally-bank-review/">Ally Bank</a>, <a href="https://www.forbes.com/advisor/banking/american-express-national-bank-review/">American Express</a>, <a href="https://www.forbes.com/advisor/banking/axos-bank-review/">Axos Bank</a>, Apple Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/bank-of-america-review/">Bank of America</a>, <a href="https://www.forbes.com/advisor/banking/bank5-connect-review/">Bank5 Connect</a>, BankDirect, BankPurely, BankUnitedDirect, Barclays, <a href="https://www.forbes.com/advisor/banking/bethpage-federal-credit-union-review/">Bethpage Federal Credit Union</a>, <a href="https://www.forbes.com/advisor/banking/bread-savings-comenity-direct/">Bread Savings (formerly Comenity Direct)</a>, <a href="https://www.forbes.com/advisor/banking/briodirect-review/">BrioDirect Banking</a>, <a href="https://www.forbes.com/advisor/banking/capital-one-360-bank-review/">Capital One</a>, <a href="https://www.forbes.com/advisor/banking/charles-schwab-review/">Charles Schwab Bank</a>, <a href="https://www.forbes.com/advisor/banking/chase-bank-review/">Chase</a>, Chevron Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/cit-bank-review/">CIT Bank</a>, <a href="https://www.forbes.com/advisor/banking/citibank-review/">Citibank</a>, <a href="https://www.forbes.com/advisor/banking/citizens-access-review/">Citizens Access</a>, Colorado Federal Savings Bank, Comerica, <a href="https://www.forbes.com/advisor/banking/communitywide-federal-credit-union-review/">CommunityWide Federal Credit Union</a>, <a href="https://www.forbes.com/advisor/banking/connexus-credit-union-review/">Connexus Credit Union</a>, <a href="https://www.forbes.com/advisor/banking/consumers-credit-union-review/">Consumers Credit Union</a>, Credit Union of Denver, <a href="https://www.forbes.com/advisor/banking/discover-bank-review/">Discover</a>, <a href="https://www.forbes.com/advisor/banking/savings/dollar-savings-direct-review/">Dollar Savings Direct</a>, <a href="https://www.forbes.com/advisor/banking/emigrantdirect-review/">EmigrantDirect</a>, Financial Partners Credit Union, Financial Resources Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/first-national-bank-of-america-review/">First National Bank of America</a>, Georgia’s Own Credit Union, Golden1 Credit Union, Greenwood Credit Union, <a href="https://www.forbes.com/advisor/banking/hsbc-bank-review/">HSBC Direct</a>, Hughes Federal Credit Union, Ideal Credit Union, <a href="https://www.forbes.com/advisor/banking/igobanking-review/">iGoBanking</a>, Investors eAccess, Keybank, Kinecta Federal Credit Union, Limelight, <a href="https://www.forbes.com/advisor/banking/live-oak-bank-review/">Live Oak Bank</a>, MAC Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/marcus-by-goldman-sachs-review/">Marcus by Goldman Sachs</a>, Michigan State University Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/my-ebanc-review/">My eBanc</a>, <a href="https://www.forbes.com/advisor/banking/savings/mysavingsdirect-review/">MySavingsDirect</a>, <a href="https://www.forbes.com/advisor/banking/navy-federal-credit-union-review/">Navy Federal Credit Union</a>, <a href="https://www.forbes.com/advisor/banking/nbkc-bank-review/">nbkc Bank</a>, <a href="https://www.forbes.com/advisor/banking/northern-bank-direct-review/">Northern Bank Direct</a>, <a href="https://www.forbes.com/advisor/banking/northpointe-bank-review/">Northpointe Bank</a>, Nuvision Federal Credit Union, Pacific National Bank, Pen Air Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/penfed-credit-union-review/">PenFed</a>, <a href="https://www.forbes.com/advisor/banking/pnc-bank-review/">PNC Bank</a>, Popular Direct, <a href="https://www.forbes.com/advisor/banking/quontic-bank-review/">Quontic</a>, Quorum Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/lendingclub-bank-review/">Radius Bank</a>, Rising Bank, <a href="https://www.forbes.com/advisor/banking/salem-five-direct-review/">SalemFiveDirect</a>, <a href="https://www.forbes.com/advisor/banking/sallie-mae-bank-review/">Sallie Mae Bank</a>, Spectrum Federal Credit Union, State Bank of Texas, State Department Federal Credit Union, Superior Choice Credit Union, <a href="https://www.forbes.com/advisor/banking/synchrony-bank-review/">Synchrony Bank</a>, <a href="https://www.forbes.com/advisor/banking/tab-bank-review/">TAB Bank</a>, <a href="https://www.forbes.com/advisor/banking/td-bank-review/">TD Bank</a>, <a href="https://www.forbes.com/advisor/banking/everbank-review/">EverBank</a>, <a href="https://www.forbes.com/advisor/banking/totaldirectbank-review/">TotalDirect Bank</a>, <a href="https://www.forbes.com/advisor/banking/us-bank-review/">U.S. Bank</a>, <a href="https://www.forbes.com/advisor/banking/usaa-bank-review/">USAA</a>, USAlliance Federal Credit Union, <a href="https://www.forbes.com/advisor/banking/vio-bank-review/">Vio Bank</a>, <a href="https://www.forbes.com/advisor/banking/virtualbank-review/">Virtual Bank</a>, <a href="https://www.forbes.com/advisor/banking/wells-fargo-bank-review/">Wells Fargo</a>and <a href="https://www.forbes.com/advisor/banking/bbt-now-truist-review/">Truist</a>.</p> </div> </div> </div> </div> </div> <div id="frequently_asked_questions_faqs_section" class="faq-section article-section" data-ecom-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <section id="faq" class="faq-section" data-ecom-container='{"componentTitle":"Frequently Asked Questions (FAQs)","componentType":"FAQ Component"}'> <h2 class="title wysiwyg-content">Frequently Asked Questions (FAQs)</h2> <div class="main-faqs faq-2021 "> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"What is the best 5-year CD rate?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is the best 5-year CD rate?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>Some of the best five-year CD rates are mentioned above, though you may find even more competitive rates at credit unions. Note, however, that many credit unions have strict membership requirements, so the majority of Americans will be ineligible to earn the advertised APYs.</p> </div> </div> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"What is a 5-year jumbo CD?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">What is a 5-year jumbo CD?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>A <a href="https://www.forbes.com/advisor/banking/cds/what-is-a-jumbo-cd/">jumbo CD</a> requires a larger minimum deposit than a regular CD and will typically offer a higher APY than standard CDs. Other than that, a five-year jumbo CD works similarly to a normal CD, which offers a fixed APY in exchange for locking your funds away for five years.</p> </div> </div> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"How high will 5-year CD rates go?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How high will 5-year CD rates go?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>There’s no way to predict for sure how high five-year CD rates will go. Right now, First National Bank of America has one of the best five-year CD rates at 3.96%. If <a href="https://www.forbes.com/advisor/investing/fed-raises-interest-rates/">the Fed raises interest rates</a> in the future, five-year CD rates could increase again. But rate increases are never guaranteed, and CD rates can change at any time.</p> </div> </div> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"Can a 5-year CD lose value?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">Can a 5-year CD lose value?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>You typically can’t <a href="https://www.forbes.com/advisor/banking/cds/can-you-lose-money-in-a-cd/">lose money in a CD</a>, so five-year CDs shouldn’t lose value. Your CD is insured and earns a fixed interest rate for a certain length of time. However, you might incur a penalty if you withdraw money early, and the money in your CD could lose purchasing power to inflation if the interest rate is low enough.</p> </div> </div> <div class="faqs"> <div class="faq-question" data-ecom-misc-click='{"clickText":"How much interest does a 5-year CD earn?","clickType":"Accordion","referenceText":""}'> <div class="plus-minus"> <svg width="18" height="17" viewBox="0 0 18 17" fill="none" xmlns="http://www.w3.org/2000/svg" class="plus"> <line x1="9.22461" y1="1.78491" x2="9.22461" y2="15.2933" stroke="black" stroke-width="2" stroke-linecap="round" /> <line x1="16.5332" y1="8.83374" x2="1.46654" y2="8.83374" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> <svg width="18" height="2" viewBox="0 0 18 2" fill="none" xmlns="http://www.w3.org/2000/svg" class="minus"> <line x1="16.5332" y1="1" x2="1.46654" y2="0.999999" stroke="black" stroke-width="2" stroke-linecap="round" /> </svg> </div> <h3 class="question-text">How much interest does a 5-year CD earn?</h3> </div> <div class="faq-answer wysiwyg-content"> <p>The amount of interest you can earn on a five-year CD can vary based on your APY and initial deposit. You can easily plug your information into a <a href="https://www.forbes.com/advisor/banking/cds/cd-calculator/">CD calculator</a> to see how much interest your CD will earn.</p> </div> </div> </div> </section> </div> <hr /> <div id="next_up_in_cds_section" class="article-section " data-ecom-container='{"componentTitle":"Next Up In CDs","componentType":"Top Ten Template - Sections"}' > <h2>Next Up In CDs</h2> <div class="section-content wysiwyg-content blue-bullets "> <ul> <li><a href="https://www.forbes.com/advisor/banking/cds/best-cd-rates/"data-ecom-link='{"clickText":"Best CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-cd-rates\/","clickType":"internal"}'>Best CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/best-3-month-cd-rates/"data-ecom-link='{"clickText":"Best 3-Month CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-3-month-cd-rates\/","clickType":"internal"}'>Best 3-Month CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/best-6-month-cd-rates/"data-ecom-link='{"clickText":"Best 6 Month CD Rates","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/best-6-month-cd-rates\/","clickType":"internal"}'>Best 6 Month CD Rates</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/cd-calculator/"data-ecom-link='{"clickText":"CD Calculator","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-calculator\/","clickType":"internal"}'>CD Calculator</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/cd-rate-forecast/"data-ecom-link='{"clickText":"CD Interest Rates Forecast","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/cd-rate-forecast\/","clickType":"internal"}'>CD Interest Rates Forecast</a></li> <li><a href="https://www.forbes.com/advisor/banking/cds/how-much-money-to-put-in-a-cd/"data-ecom-link='{"clickText":"How Much Money Should I Keep In CDs?","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/banking\/cds\/how-much-money-to-put-in-a-cd\/","clickType":"internal"}'>How Much Money Should I Keep In CDs?</a></li> </ul> </div> <hr /> </div> <div> </div> </div> </div> <div class="article__editors-note article__editors-note-bottom"> Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.<br/> <br/> Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="contrib bottom-contrib-block"> <div class="authorbio" data-ecom-container='{"componentTitle":"","componentType":"Author Bio"}'> <div class="authorbio__wrap primary"> <div class="authorbio__top"> <div class="authorbio__img-wrap"> <a href="https://www.forbes.com/advisor/author/cassidy-horton/" title="Cassidy Horton" target="_blank" data-ecom-link='{"clickText":"Image Link","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'> <img loading="lazy" src="https://secure.gravatar.com/avatar/136f219deddfbf3cd0864525b407fc31?s=96&d=mm&r=g" alt="Cassidy Horton" width="50px" height="50px"> </a> </div> <div class="authorbio__content"> <a href="https://www.forbes.com/advisor/author/cassidy-horton/" target="_blank" class="authorbio__name" data-ecom-link='{"clickText":"Cassidy Horton","clickCat":"Primary","clickUrl":"https:\/\/www.forbes.com\/advisor\/author\/cassidy-horton\/","clickType":"internal"}'> Cassidy Horton </a> <div class="authorbio__role">Personal Finance Reviewer and Writer</div> </div> </div> <div class="authorbio__bottom"> <p>Cassidy Horton is a finance writer covering banking, life insurance and business loans. 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10h16v2H1z"></path><path transform="rotate(134.999 14.965 13.124)" d="M11 12.1h8v2h-8z"></path><path transform="rotate(-134.999 14.965 8.877)" d="M11 7.9h8v2h-8z"></path></svg> </button> </form> </div><style> .tool-tip{background-color: #fff;padding: 10px;border-radius: 5px;border: 1px solid #eee;position: absolute;z-index: 99;max-width: 250px;display: none;box-shadow:0px 1px 5px 2px #eee;} .tool-tip.active{display:block;} </style> <div class="tool-tip"> <div class="tool-top__text">lorem</div> </div><style> .confirm__box{width:100%;max-width:500px;display:flex;background-color:#fff;padding:50px 36px;flex-direction:column;justify-content: center;align-items: center;position:fixed;top:50%;left:50%;transform:translate(-50%,-50%);z-index:8900;box-shadow:0 0 20px 10px rgba(0,0,0,.08);display:none;border:1px solid #e2e2e2;} .confirm__box--title{font-family: Merriweather,serif;font-size:16px;line-height: 1.44;color: #181715;text-align:center;margin-bottom:20px;font-weight:700;} .confirm__ctas{display:flex;justify-content:center;} .confirm__cta{font-family: 'Work Sans',sans-serif;font-size:14px;color:#181715;letter-spacing:-0.5px;font-weight:500;line-height:16px;padding:12px 22px;border-radius:3px;background-color:#fff;text-transform:uppercase;width:100px;display:inline-block;} .confirm__cta--cancle{margin-right:12px;border:1px solid #181715;} .confirm__cta--cancle--hide{display:none;} .confirm__cta--ok{color:#fff;background-color: #5a71ff;} .confirm__cta--ok--hide{display:none;} </style> <div class="confirm__box" id="confirm__box"> <div class="confirm__box--title" id="confirm__box--title">Are you sure you want to rest your choices?</div> <div class="confirm__ctas"> <button id="confirm__cancel" class="confirm__cta confirm__cta--cancle">cancel</button> <button id="confirm__ok" class="confirm__cta confirm__cta--ok">ok</button> </div> </div><script> var __linkprefetch = (function(){ var util = (function () { function isStringSet(str) { return typeof str === "string" && str !== ''; } function isSet(val) { switch (typeof val) { case "string": return isStringSet(val); case "object": return val !== null; case "number": case "boolean": return true; default: return false; } } return { isStringSet: isStringSet, isSet: isSet }; })(); var eventLib = (function () { function addEvent(elem, type, eventHandle) { if (elem.addEventListener) { elem.addEventListener(type, eventHandle, false); } else if (elem.attachEvent) { elem.attachEvent("on" + type, eventHandle); } elem = null; // Handle Memory Leak } function removeEvent(elem, type, eventHandle) { if (elem.removeEventListener) { elem.removeEventListener(type, eventHandle); } else if (elem.detachEvent) { elem.detachEvent('on' + type, eventHandle); } elem = null; } return { addEvent: addEvent, removeEvent: removeEvent, }; })(); var hintUtil = (function (util) { function injectHostNameHint(hint, hostname) { if (util.isStringSet(hostname)) { try { var link = document.createElement("link"); link.rel = hint; link.href = hostname; var headElement = document.head || document.getElementsByTagName("head")[0]; headElement.appendChild(link); } catch (e) { } } } function isHintSupported(hint) { try { return document.createElement('link').relList.supports(hint); } catch (e) { } return false; } return { injectHostNameHint: injectHostNameHint, isHintSupported: isHintSupported }; })(util); var domUtil = (function (util) { function getHostnameFromUrl(url) { var urlParts; if (url.indexOf("//") > -1) { urlParts = url.split('/'); url = urlParts[0] + "//" + urlParts[2]; return url; } } /** * Extract hostname from the anchor element * @param element * @returns {string|*} */ function getHostnameOfAnchorElement(element) { if (util.isSet(element.origin)) { return element.origin; } else if (util.isSet(element.protocol) && util.isSet(element.hostname)) { return element.protocol + "//" + element.hostname; } else if (util.isSet(element.href)) { return getHostnameFromUrl(element.href); } } return { getHostnameOfAnchorElement: getHostnameOfAnchorElement }; })(util); var preconnectHandler = (function (hintUtil, eventLib, domUtil) { var preconnectedHostsList = {}; function injectSerpPreconnectHint(hostname) { hintUtil.injectHostNameHint("preconnect", hostname); addHostnameToPreconnectedList(hostname); } /** * Inject Serp Pre-connect hint for hostname's not pre-connected * Adds hostname to the list of pre-connected hostname's * Removes hostname from the list of pre-connected hostname's after timeout * @param event */ function preconnectEventHandler(event, element, preconnectEvent) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isPreconnectedHostname(hostname)) { injectSerpPreconnectHint(hostname); eventLib.removeEvent(element, "mouseover", preconnectEvent); eventLib.removeEvent(element, "touchstart", preconnectEvent); setTimeout(function () { removeHostnameFromPreconnectedList(hostname); attachHoverListener(element); }, 10000); } } /** * Add event to the element if the element's hostname is not pre-connected * @param element */ function attachHoverListener(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } function sanitizeCookieValue(value) { return encodeURIComponent(value).replace(/[^a-zA-Z0-9%]/g, ''); } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); if (end === -1) { end = document.cookie.length; } var cookieVal = document.cookie.substring(len, end); cookieVal = sanitizeCookieValue(cookieVal); return cookieVal; } /* * Create a cookie for forbes.com dommain * */ function set(name, value, expireInDays) { var today = new Date(), path = '/', domain = '.' + getSubDomain(); today.setTime(today.getTime()); if (expireInDays) { expireInDays = expireInDays * 1000 * 60 * 60 * 24; } var expireDate = new Date(today.getTime() + (expireInDays)); document.cookie = name + "=" + escape(value) + ((expireInDays) ? ";expires=" + expireDate.toGMTString() : "") + ((domain) ? ";domain=" + domain : "") + ((path) ? ";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://related.forbes.com/trf?o=gqT2vtgaO1NVU2O4ubzbbRKuqAIAh5jbhu-tB-B2XR9mkqq2r1uP3UQ86qlwjDTZcKefs9W1ct4iXHB8cr3Q5iQgynTrcq_Pg_eLRCaLJaHBM8WuHhRH8aWVp2KOcc_rsjl4oQeRfrNe3Dt5Tkj0_4KayhC_KRgY-2CxyWvgC5I=&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; var LINKSYNERGY_HOST = "click.linksynergy.com"; var COOKIE_CLIENT_ID = window?.annotationKey + '_clientId'; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; function getNanoId(length = 20) { const a = "0123456789abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ"; length = Math.min(length, a.length); let result = ""; const randomValues = crypto.getRandomValues(new Uint8Array(length)); for (let i = 0; i < length; i++) { result += a[randomValues[i] % a.length]; } return result; } /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "bing": ["msclkid"], "kw": ["fbclid"], "facebook": ["fbclid"] }; } function getValidClickIdParams() { return ["gclid"]; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = { param: '', value: '' }; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } /** * If no valid param mapping found in url check for valid click id */ if( ! trackingParamsObj.value && ! trackingParamsObj.param ){ /** * Check for valid click ID in the url If found return the id and value */ var clickIdParam = getValidClickIdParams(); for(var i = 0; i < clickIdParam.length; i++){ var clickIdFromUrl = __util.getQueryParameterValue(clickIdParam[i]); if(!!clickIdFromUrl){ trackingParamsObj.param = clickIdParam[i]; trackingParamsObj.value = clickIdFromUrl; break; } } } return trackingParamsObj; } function generateHashFromOgParam(paramsObj) { if (!!paramsObj.value && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); return hashInput.hashCode(); } return ''; } /** * This function return user id * If found in cookie returns the cookie value * If not found in cookie generated a user id * If og params are invalid return empty string */ function getUserIdHashFromOgParam() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (!!paramsObj.param && !!paramsObj.value) { var paramFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_PARAM); var paramValueFromCookie = __cookie.get(E2E_COOKIE_ORIGINAL_TID_VALUE); //Get user id from cookie if found if ( !!paramFromCookie && !!paramValueFromCookie && paramsObj.param === paramFromCookie && paramsObj.value === paramValueFromCookie ) { var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); if (!!userIdFromCookie){ hash = userIdFromCookie; } } //If user id is not present in cookie generate one if (!hash) { hash = generateHashFromOgParam(paramsObj); } } window.dataLayer.push({ 'cd': { 'OriginalTrackingParam': paramsObj.param, 'OriginalTrackingParamValue': paramsObj.value, } }); return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /** * Tid From Utm Param * */ function getUserIdHashForPartnership(){ var userid = ''; var partnershipMap = { partnership:'P' }; var utmMediumParam = __util.getQueryParameterValue('utm_medium'); //generate new user id if(!!utmMediumParam && partnershipMap.hasOwnProperty(utmMediumParam)){ userid = getDefaultUserIdHash(); userid = userid + partnershipMap[utmMediumParam]; userid = userid.toUpperCase(); } return userid; } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { return getNanoId(12); suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (LINKSYNERGY_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'u1', parameterValue: trackingId, override: true, }); } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: '', override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; var clientId = __cookie.get(COOKIE_CLIENT_ID); if(clientId){ userid = clientId; }else{ var prefix = (typeof ecomBase !== 'undefined' && ecomBase?.tidPrefix) ? ecomBase.tidPrefix : "FA"; userid = prefix + getNanoId(20); __cookie.set(COOKIE_CLIENT_ID, userid, 365); } return userid; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Get Tid for partnership var tidForPartnership = getUserIdHashForPartnership(); if (!!tidForPartnership) { userid = tidForPartnership; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromOgParam(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); function getUtmSource(ogParamObj) { var utmSource = ''; var clickIdUtmSourceMapping = { "gclid": "google" }; if(!!clickIdUtmSourceMapping[ogParamObj.param]){ utmSource = clickIdUtmSourceMapping[ogParamObj.param]; }else{ utmSource = __util.getQueryParameterValue('utm_source'); } return utmSource; } /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var DAYS = { TWENTY_YEARS: 365 * 20, THIRTY: 30, ZERO: 0 }; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); /** * Set Cookie Values * If cookie is not present then create one * If the value of userIDHash is different from the cookie value than update the value */ if (__util.empty(userIdFromCookie) || userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, DAYS.TWENTY_YEARS ); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, DAYS.ZERO); } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount = isNaN(userVisitCount) ? 1 : (userVisitCount + 1); //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, DAYS.ZERO) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || 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Note, however, that many credit unions have strict membership requirements, so the majority of Americans will be ineligible to earn the advertised APYs.<\/p>\n" } },{ "@type": "Question", "name": "What is a 5-year jumbo CD?", "acceptedAnswer": { "@type": "Answer", "text": "<p>A <a href=\"https:\/\/www.forbes.com\/advisor\/banking\/cds\/what-is-a-jumbo-cd\/\">jumbo CD<\/a> requires a larger minimum deposit than a regular CD and will typically offer a higher APY than standard CDs. Other than that, a five-year jumbo CD works similarly to a normal CD, which offers a fixed APY in exchange for locking your funds away for five years.<\/p>\n" } },{ "@type": "Question", "name": "How high will 5-year CD rates go?", "acceptedAnswer": { "@type": "Answer", "text": "<p>There\u2019s no way to predict for sure how high five-year CD rates will go. Right now, First National Bank of America has one of the best five-year CD rates at 3.96%. 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Best 5-Year CD Rates Of March 2025 – Forbes Advisor