Best 5-Year CD Rates: Up to 4.35% as of August 2026

As of August 2026, the national average rate for a five-year CD is 1.73% APY, according to the FDIC. The highest rate available is 4.35% from E*TRADE, followed by 3.75% from First National Bank of America and Synchrony Bank. These certificates of deposit (CDs) were compared among over 35 banks and credit unions. Investors looking for low-risk, predictable returns for long-term goals may find these options appealing, significantly above the national average.