Compare 5-year CD rates: We track the highest paying, nationally available 5-year CDs from federally insured banks and credit unions. Below we list the 60-month CDs in our database, ordered from highest APY to lowest.

Note that you may be able to find better rates with alternative account types. For example, online savings accounts or no-penalty CDs may offer higher yields.

Editor’s Pick

alliant credit union

Alliant Credit Union currently offers a 60-month CD with an interest rate of 4.00%. The minimum deposit required is $1,000 but if you have at least $75,000 to deposit, Alliant offers jumbo CDs in all term lengths that can give a slight boost to your fixed APY.

  • Current APY – 4.00%
  • Minimum Deposit Requirement – $1,000
  • Early Withdrawal Penalty – 180 days of simple interest

The Rest of the Best 5-Year CD

1. BMO Alto

bmo alto

Certificate of Deposit

Member FDIC

APY

4.60%

Term

60 Months

Min. Deposit

$0

Our Rating: 4.7

★★★★

Pros


  • No fees
  • Excellent rate
  • No minimum deposit

Cons


  • Early withdrawal penalty

Early Withdrawal Penalty

6 months of simple interest

Min. Opening Balance

$0

BMO Alto lands at the top because it offers a 5-year CD that does everything well. High interest rate, no minimum deposit and a penalty of only six months simple interest when closing your CD early.

BMO Alto is an online-only bank that does not have an app. Your account can only be accessed through their website: Alto.BMO.com

2. Popular Direct

Certificate of Deposit

Member FDIC

APY

4.45%

Term

60 Months

Min. Deposit

$10,000

Our Rating: 4.7

★★★★

Pros


  • No fees
  • Excellent rate

Cons


  • Early withdrawal penalty
  • Large deposit requirement

Early Withdrawal Penalty

2 years of simple interest

Min. Opening Balance

$10,000

The Popular Direct 5-year CD has a very strong interest rate and a great reputation. You can also find a Popular Direct savings account with a 5.20% APY.

While the Popular Direct APY is one of the best available, it also contains the highest minimum deposit requirement AND the largest loss of interest for closing early. Play it straight and this 5-year CD is great but if you need flexibility on deposit and withdrawals, look elsewhere.

3. Discover® CD

Certificate of Deposit

Member FDIC

APY

3.75%

Term

60 Months

Min. Deposit

$2,500

Our Rating: 4.5

★★★★

Pros


  • No fees
  • Excellent rate

Cons


  • Early withdrawal penalty
  • $2,500 deposit requirement

Early Withdrawal Penalty

18 months of simple interest

Min. Opening Balance

$2,500

Discover has one of the best reputations around and their 5-year CD offers a strong return. Discover also has checking, savings and IRA products to expand your portfolio.

When opening a 5-year CD with Discover, be mindful of the $2,500 deposit requirement AND the loss of 18 months of simple interest if you can’t complete the 5-year term.

4. Credit Human

credit human FCU

Certificate of Deposit

Member FDIC

APY

4.60%

Term

36 – 59 Months

Min. Deposit

$500

Our Rating: 4.5

★★★★

Pros


  • No fees
  • Excellent rate

Cons


  • Requires $500 min. deposit
  • Early withdrawal penalty

Early Withdrawal Penalty

365 days of simple interest

Min. Opening Balance

$500

Even though we don’t make it to 60 months, Credit Human offers this 59-month CD with a very high-interest rate and low minimum deposit request.

One year of simple interest is a high price to pay for closing your CD early.

5. Ally

ally bank

Certificate of Deposit

Member FDIC

APY

3.90%

Term

60 Months

Min. Deposit

$1

Our Rating: 4.3

★★★★

Pros


  • No fees
  • Excellent rate
  • $1 minimum deposit

Cons


  • Early withdrawal penalty

Early Withdrawal Penalty

150 days of simple interest

Min. Opening Balance

$1

Ally Bank is one of the best online banks around offering terrific customer service and a high return rate on all of their CDs. The 5-year CD rate is strong and the 150 days of simple interest penalty is one of the best around.

Even though the interest rate is in the top 5% of all banks, it’s on the lower end in our best 5-year CDs list.

Highest 5-Year CD Rates by APY

If your only concern is the best rate, we’ve compiled a list of the 25 best 5-year CD rates we could find. This list looks at more than 200 banks and more than 1,000 CDs.

114 Results

First Internet Bank 60-months High Yield CD
First Internet Bank
60-months High Yield CD
APY
4.61%
Min
$1,000
Max
-

BMO Alto 60-month Online CD
BMO Alto
60-month Online CD
APY
4.60%
Min
-
Max
-

Seattle Bank 60-month CD
Seattle Bank
60-month CD
APY
4.50%
Min
$1,000
Max
$220k

BMO 60-month Standard CD*
BMO
60-month Standard CD*
APY
4.50%
Min
$1,000
Max
-

Popular Direct 60-month CD
Popular Direct
60-month CD
APY
4.45%
Min
$10,000
Max
-

Crescent Bank 60-month CD
Crescent Bank
60-month CD
APY
4.40%
Min
$1,000
Max
-

Colorado Federal Savings Bank 60-month CD
APY
4.35%
Min
$5,000
Max
-

Quontic Bank 5-Year CD
Quontic Bank
5-Year CD
APY
4.30%
Min
$500
Max
-

NexBank 60-month Standard CD
NexBank
60-month Standard CD
APY
4.25%
Min
$10,000
Max
$25k

Skyla Credit Union 60-month CD
APY
4.25%
Min
$500
Max
-

Luana Savings Bank 5-Year Jumbo CD
Luana Savings Bank
5-Year Jumbo CD
APY
4.24%
Min
$100,000
Max
-

America First Credit Union 60-months CD
APY
4.20%
Min
$500
Max
-

United States Senate Federal Credit Union 60-months Plus Jumbo CD
APY
4.18%
Min
$200,000
Max
-

United States Senate Federal Credit Union 60-months Plus Jumbo Business CD
United States Senate Federal Credit Union
60-months Plus Jumbo Business CD
APY
4.18%
Min
$200,000
Max
-

Bread Bank 5-Year CD
Bread Bank
5-Year CD
APY
4.15%
Min
$1,500
Max
$1,000k

United States Senate Federal Credit Union 60-months Jumbo CD
APY
4.13%
Min
$100,000
Max
-

United States Senate Federal Credit Union 60-months Jumbo Business CD
APY
4.13%
Min
$100,000
Max
$200k

Langley Federal Credit Union 60-month CD
APY
4.10%
Min
$500
Max
-

NASA Federal Credit Union 60-month CD
APY
4.10%
Min
$1,000
Max
-

Luana Savings Bank 5-Year CD
APY
4.09%
Min
$2,000
Max
$100k

United States Senate Federal Credit Union 60-months Plus Jumbo Bump Rate CD
United States Senate Federal Credit Union
60-months Plus Jumbo Bump Rate CD
APY
4.08%
Min
$200,000
Max
-

United States Senate Federal Credit Union 60-months CD
APY
4.08%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union 60-months Business CD
APY
4.08%
Min
$1,000
Max
$100k

Interior Federal Credit Union 60-months CD
APY
4.07%
Min
$500
Max
-

All In Credit Union 60-month CD
APY
4.07%
Min
$1,000
Max
-

America First Credit Union 60-months Bump-Rate CD
America First Credit Union
60-months Bump-Rate CD
APY
4.05%
Min
$500
Max
-

Alliant Credit Union 60-Month Jumbo CD
Alliant Credit Union
60-Month Jumbo CD
APY
4.05%
Min
$75,000
Max
-

CFG Bank 60 Month CD
CFG Bank
60 Month CD
APY
4.05%
Min
$500
Max
$250k

United States Senate Federal Credit Union 60-months Jumbo Bump Rate CD
United States Senate Federal Credit Union
60-months Jumbo Bump Rate CD
APY
4.03%
Min
$100,000
Max
$200k

Marcus by Goldman Sachs 5-Year CD
APY
4.00%
Min
$500
Max
$1,000k

Capital One Bank 360 60-months CD
Capital One Bank
360 60-months CD
APY
4.00%
Min
$1
Max
-

La Capitol Federal Credit Union 5-Year Super Saver Share Certificate
La Capitol Federal Credit Union
5-Year Super Saver Share Certificate
APY
4.00%
Min
$100,000
Max
-

Alliant Credit Union 60-month CD
APY
4.00%
Min
$1,000
Max
-

Synchrony Bank 60-month CD
Synchrony Bank
60-month CD
APY
4.00%
Min
$1
Max
-

EverBank 5-Year CD
EverBank
5-Year CD
APY
4.00%
Min
$1,000
Max
-

Signature Federal Credit Union 60-month CD
APY
4.00%
Min
$500
Max
-

TAB Bank 60-month CD
TAB Bank
60-month CD
APY
4.00%
Min
$1,000
Max
-

TAB Bank 60-month Business CD
TAB Bank
60-month Business CD
APY
4.00%
Min
$1,000
Max
-

LendingClub Bank, N.A. 5-year CD
APY
4.00%
Min
$2,500
Max
$250k

Credit Human Federal Credit Union 60-83 month Share Certificate
Credit Human Federal Credit Union
60-83 month Share Certificate
APY
4.00%
Min
$500
Max
-

Prime Alliance Bank 60-month CD
APY
4.00%
Min
$500
Max
-

United States Senate Federal Credit Union 60-months Bump Rate CD
APY
3.98%
Min
$1,000
Max
$100k

UmbrellaBank 60-month CD
UmbrellaBank
60-month CD
APY
3.95%
Min
$10,000
Max
-

La Capitol Federal Credit Union 5-Year Mega Saver Share Certificate with One-time Bump
La Capitol Federal Credit Union
5-Year Mega Saver Share Certificate with One-time Bump
APY
3.90%
Min
$100,000
Max
-

Ally Bank 5-Year High Yield CD
Ally Bank
5-Year High Yield CD
APY
3.90%
Min
$1
Max
-

Chevron Federal Credit Union 60-months Share Certificate
Chevron Federal Credit Union
60-months Share Certificate
APY
3.85%
Min
$250,000
Max
-

Spectrum Credit Union 60-months Share Certificate
Spectrum Credit Union
60-months Share Certificate
APY
3.85%
Min
$250,000
Max
-

Chevron Federal Credit Union 60-months Share Certificate
Chevron Federal Credit Union
60-months Share Certificate
APY
3.80%
Min
$100,000
Max
-

Spectrum Credit Union 60-months Share Certificate
Spectrum Credit Union
60-months Share Certificate
APY
3.80%
Min
$100,000
Max
-

La Capitol Federal Credit Union 5-Year Thrifty Saver Share Certificate
La Capitol Federal Credit Union
5-Year Thrifty Saver Share Certificate
APY
3.80%
Min
$500
Max
-

Chevron Federal Credit Union 60-months Share Certificate
Chevron Federal Credit Union
60-months Share Certificate
APY
3.75%
Min
$500
Max
-

Chevron Federal Credit Union 60-months Share Certificate
Chevron Federal Credit Union
60-months Share Certificate
APY
3.75%
Min
$50,000
Max
-

Spectrum Credit Union 60-months Share Certificate
Spectrum Credit Union
60-months Share Certificate
APY
3.75%
Min
$500
Max
-

Spectrum Credit Union 60-months Share Certificate
Spectrum Credit Union
60-months Share Certificate
APY
3.75%
Min
$50,000
Max
-

Discover® Bank 5-Year High Yield CD
Discover® Bank
5-Year High Yield CD
APY
3.75%
Min
$2,500
Max
-

Discover® Bank 5-year IRA CD
Discover® Bank
5-year IRA CD
APY
3.75%
Min
$2,500
Max
-

Barclays Bank 60-month CD
Barclays Bank
60-month CD
APY
3.75%
Min
-
Max
-

XCEL Federal Credit Union 60-months CD
APY
3.56%
Min
$500
Max
-

Connexus Credit Union 60-month Jumbo Certificate
Connexus Credit Union
60-month Jumbo Certificate
APY
3.56%
Min
$100,000
Max
-

Virtual Bank 60-month CD
Virtual Bank
60-month CD
APY
3.51%
Min
-
Max
-

Connexus Credit Union 60-month Certificate
Connexus Credit Union
60-month Certificate
APY
3.51%
Min
$5,000
Max
-

Bank Financial 5-Year CD
APY
3.50%
Min
$1,000
Max
-

MainStreet Bank 5-Year CD
APY
3.50%
Min
$500
Max
-

MainStreet Bank 5-Year Business CD
MainStreet Bank
5-Year Business CD
APY
3.50%
Min
$500
Max
-

Citizens Access 5-Year High Yield CD
Citizens Access
5-Year High Yield CD
APY
3.45%
Min
$5,000
Max
-

USALLIANCE Financial 60-month CD
APY
3.40%
Min
$500
Max
-

UNIFY Financial Credit Union 60-month Jumbo CD
APY
3.40%
Min
$100,000
Max
-

Fort Liberty Federal Credit Union 60-months Jumbo Share Certificate
Fort Liberty Federal Credit Union
60-months Jumbo Share Certificate
APY
3.35%
Min
$25,000
Max
-

Magnifi Financial 60-month Jumbo CD
Magnifi Financial
60-month Jumbo CD
APY
3.35%
Min
$150,000
Max
-

Bayer Heritage Federal Credit Union 60-month CD
APY
3.30%
Min
$100
Max
-

Bayer Heritage Federal Credit Union 60-month CD
APY
3.30%
Min
$100
Max
-

Ponce Bank 60-month High Yield CD
Ponce Bank
60-month High Yield CD
APY
3.25%
Min
$1,000
Max
-

Teachers Federal Credit Union 60-month CD
APY
3.25%
Min
$1,000
Max
$100k

UNIFY Financial Credit Union 60-month CD
APY
3.25%
Min
$40,000
Max
$54k

NuVision Credit Union 5-Year Jumbo CD
NuVision Credit Union
5-Year Jumbo CD
APY
3.25%
Min
$100,000
Max
-

Magnifi Financial 60-month Jumbo CD
Magnifi Financial
60-month Jumbo CD
APY
3.25%
Min
$100,000
Max
$150k

Fort Liberty Federal Credit Union 60-months Share Certificate
Fort Liberty Federal Credit Union
60-months Share Certificate
APY
3.25%
Min
$500
Max
-

NuVision Credit Union 5-Year CD
APY
3.20%
Min
$50,000
Max
-

Magnifi Financial 60-month CD
APY
3.20%
Min
$50,000
Max
$100k

NuVision Credit Union 5-Year CD
APY
3.15%
Min
$25,000
Max
-

Magnifi Financial 60-month CD
APY
3.15%
Min
$25,000
Max
$50k

NuVision Credit Union 5-Year CD
APY
3.10%
Min
$1,000
Max
-

UNIFY Financial Credit Union 60-month CD
APY
3.10%
Min
$100
Max
$54k

Magnifi Financial 60-month CD
APY
3.10%
Min
$500
Max
$25k

TotalDirectBank 60-month CD
TotalDirectBank
60-month CD
APY
3.05%
Min
$25,000
Max
-

Liberty Federal Credit Union 5-Year CD
APY
3.00%
Min
$1,000
Max
-

Credit Union of the Rockies 60-month CD
APY
3.00%
Min
$500
Max
-

Credit Union of the Rockies 60-month Baby-Jumbo CD
Credit Union of the Rockies
60-month Baby-Jumbo CD
APY
3.00%
Min
$50,000
Max
-

American Express Bank 60-Month CD
APY
3.00%
Min
$1
Max
-

Forbright 60-month Online CD
Forbright
60-month Online CD
APY
3.00%
Min
$1,000
Max
-

Thrivent Credit Union 60-month CD
APY
2.80%
Min
$1,000
Max
-

Amerant Bank 60-month CD
Amerant Bank
60-month CD
APY
2.75%
Min
$10,000
Max
$250k

Amerant Bank 60-month Online CD
Amerant Bank
60-month Online CD
APY
2.75%
Min
$500
Max
$250k

Amerant Bank 60-month Online CD
Amerant Bank
60-month Online CD
APY
2.75%
Min
$500
Max
$250k

Ivy Bank 5-Year CD
Ivy Bank
5-Year CD
APY
2.60%
Min
$1,000
Max
$1,000k

EverBank 5-Year Business CD
EverBank
5-Year Business CD
APY
2.50%
Min
$1,500
Max
-

American Bank 60-month CD
American Bank
60-month CD
APY
2.50%
Min
$500
Max
-

American Bank 60-month Business CD
American Bank
60-month Business CD
APY
2.50%
Min
$500
Max
-

Citibank 5-Year Fixed Rate CD
Citibank
5-Year Fixed Rate CD
APY
2.50%
Min
$500
Max
-

Affinity Plus Federal Credit Union 60-month CD
APY
2.50%
Min
$500
Max
-

Zeal Credit Union 60-months Jumbo CD
Zeal Credit Union
60-months Jumbo CD
APY
2.40%
Min
$100,000
Max
-

Zeal Credit Union 60-months CD
Zeal Credit Union
60-months CD
APY
2.30%
Min
$25,000
Max
$100k

Zeal Credit Union 60-months CD
Zeal Credit Union
60-months CD
APY
2.20%
Min
$1,000
Max
$25k

Northpointe Bank 60 months CD
Northpointe Bank
60 months CD
APY
2.15%
Min
$1,000
Max
-

Live Oak Bank 5-Year CD
Live Oak Bank
5-Year CD
APY
2.00%
Min
$2,500
Max
$250k

Live Oak Bank 5-Year Business CD
Live Oak Bank
5-Year Business CD
APY
2.00%
Min
$2,500
Max
$250k

Newtek Bank 60-month CD
Newtek Bank
60-month CD
APY
2.00%
Min
$2,500
Max
$250k

American First Credit Union 60-month CD
APY
1.50%
Min
$1,000
Max
-

Third Federal Savings & Loan 60-months CD
APY
1.50%
Min
$50
Max
-

Continental Bank 5-Year High Yield CD
Continental Bank
5-Year High Yield CD
APY
1.40%
Min
$25,000
Max
-

CIT Bank 5-Year Term CD
CIT Bank
5-Year Term CD
APY
0.50%
Min
$1,000
Max
-

CIT Bank 5-Year Jumbo CD
CIT Bank
5-Year Jumbo CD
APY
0.50%
Min
$100,000
Max
-

BrioDirect 60-month High Yield CD
BrioDirect
60-month High Yield CD
APY
0.45%
Min
$500
Max
-

Nationwide by Axos Bank 60-month CD
APY
0.20%
Min
$500
Max
-

Creating a 5-Year CD Ladder

There are two primary reasons people shy away from a 5-year CD term.

  • What happens if interest rates go higher?
  • What happens if you need money in an emergency?

Five years is a long time to tuck your money away at a 4.35% APY and a lot can happen in that time. For example, in the last ten years, I’ve bought a house, got married, had two children, got divorced, etc. Each of those times, I had liquid assets to assist in paying for all of it. Had I put a lot of money away in a 5-year CD, I’m not sure I could have navigated those expenses.

The best way to mitigate these downsides is to create a CD ladder. The concept is quite simple actually; to sacrifice a small amount of interest, you can keep your funds much more liquid. For example, let’s assume you have $25,000 to invest in a 5-year CD at a 4.35% interest rate (this is just an example rate). Instead of plugging all $25,000 in at once, you decide to invest in five separate 5-year CD’s.

  • Year one–$5,000 CD at 4.35% APY
  • Year two–$5,000 CD at 4.45% APY
  • Year three–$5,000 CD at 4.30% APY
  • Year four–$5,000 CD at 4.20% APY
  • Year five–$5,000 CD at 4.10% APY

It’s rare for a CD rate to stay static for five years, so I’ve created a little bit of fluctuation.

Losing Interest in a 5-Year CD

During the five years you’re investing in long-term CDs, you still maintain liquidity if you need it. What happens if your roof starts leaking in 24 months? Well, in the above scenario, you still have $15,000 available because you’ve only opened two 5-year CD’s at $5,000 a piece. After five years and your first CD matures, you’ll have ~$6,087 back in your hands. You can choose to once again open another 5-year CD, or keep the funds available.

However, creating a CD ladder means you’re sacrificing interest. Had you put the whole $25,000 into a 5-year CD term, the result would be a mature CD and a balance of $30,437. By laddering, after five years, you’ll only have generated ~$3,200 in interest and to earn the remaining ~$2,200, you’ll have to wait for your other four 5-year CDs to mature. Keep in mind that while you’re waiting to open a CD for your ladder, you can park your money in a high-yield savings account that is earning more than current 5-year CD rates.

How We Chose the Best 5-Year CDs

Three primary factors went into rating the best 5-year CDs we could find.

  1. Interest Rate (APY) – First and foremost, the CD interest rate has to be top-tier. Many brick-and-mortar banks offer long-term CD rates well below the rates you can find online so it’s common for high rates to come from banks you’ve probably not heard of before. That’s OK because all banks on our list are FDIC-insured or NCUA-insured.
  2. Minimum Deposit Requirement – For some depositors, dropping five or six-figure deposits is easy but for others, it’s impossible. We strive to include CDs that have little to no deposit requirement so anyone can open a CD quickly.
  3. Early Withdrawal Penalty – Some 5-year CDs have multiple-year penalties for closing your CD early so be careful to always plan as best you can to leave your deposit alone. If you have to close the CD early, we’ve tried to find banks that offer 5-year CDs with interest penalties of less than 12 months.

Banks we included in our review are as follows: Affirm, Alaska USA Federal Credit Union, All America Bank, Alliant Credit Union, Ally Bank, Amalgamated Bank, America First Credit Union, American Express National Bank, Andrews Federal Credit Union, Associated Bank, Axos Bank, Bank of America, Bank of the West, Bank5 Connect, Bank7, Barclays, Bask Bank, Bethpage Federal Credit Union, BMO, BMO Alto, Boeing Employees Credit Union, Bread Savings, Capital One, Carver Federal Savings Bank, Charles Schwab Bank, Chase, Chime, CIBC U.S., CIT Bank, Citibank, Citizens, Citizens Bank, City First Bank, Climate First Bank, Commerce Bank, Community First Credit Union of Florida, ConnectOne Bank, Connexus Credit Union, Consumers Credit Union, Credit Human Federal Credit Union, Current, Delta Community Credit Union, Discover Bank, E*TRADE, EverBank (formerly TIAA Bank), Fifth Third Bank, First Foundation, First National Bank, First Tech Federal Credit Union, Flagstar Bank, FNBO Direct, GO2bank, GreenState Credit Union, Golden 1 Credit Union, Greenwood, Hope Credit Union, Huntington Bank, Industrial Bank, Ivy Bank, KeyBank, Lake Michigan Credit Union, LendingClub Bank, Liberty Bank, Live Oak Bank, M&T Bank, Marcus by Goldman Sachs, mph.Bank, Nationwide (by Axos), Navy Federal Credit Union, NBKC, One, OneUnited Bank, Pentagon Federal Credit Union, PNC, Ponce Bank, Popular Direct, Quontic Bank, Regions Bank, Revolut, Salem Five Direct, Sallie Mae Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Securityplus Federal Credit Union, Self-Help Credit Union, Service Credit Union, SoFi, State Employees’ Credit Union of North Carolina, Suncoast Credit Union, Synchrony Bank, TAB Bank, TD Bank, Truist Bank, U.S. Bank, UFB Direct, Union Bank, Upgrade, USAA Bank, Varo, Vio Bank, Wells Fargo, Western Alliance Bank and Zynlo Bank.

Frequently Asked Questions (FAQ)

Why Open a 5-Year CD if Savings Rates are Higher?

When you compare current 5-year CD rates vs. high-yield savings accounts, many savings accounts offer a better APY. In high-rate environments, short-term rates are typically higher than long-term ones because the chance of rates falling is greater than the chance of rates rising.

5-Year CD rates are smart to lock in when you believe rates will begin to decline. You may not have the best rate during year #1 but as rates continue to fall, you’ll be outpacing most every other deposit investment by year #5.

How Much Can I Put Into a 5-Year CD?

Most banks will allow you to deposit as much as you want when opening a 5-year CD but FDIC typically only covers the first $250,000 per depositor. This means that you can open multiple CDs in family members’ names (spouse, children, etc.) and each one will receive the $250,000 insurance.

What you cannot do is open multiple 5-year CDs in your name from the same bank and expect the insurance to cover more than $250,000. Remember, the rule is per depositor, per product, per bank.

Final Thought on the Best 5-Year CDs

As we open 2024, a lot of very smart people (including myself) believe that rates will begin to decline very soon. How fast and by how much is anyone’s best guess but locking in a long-term CD sometime shortly would be wise.

Starting in January, I will begin building a 5-year CD ladder with Alliant Credit Union. When finished, I expect to have earned more interest than anyone who left their cash in a high-yield savings account over the same time period.

Editor’s Note: Check your local banks for the best 5-year CD rates as well. Sometimes the national brands can’t match what your bank down the street can provide.

Author

  • Rob Berger

    Rob Berger is the founder of Dough Roller and the Dough Roller Money Podcast. A former securities law attorney and Forbes deputy editor, Rob is the author of the book Retire Before Mom and Dad. He educates independent investors on his YouTube channel and at RobBerger.com.