Best 5 year CD rates paying 3.80% APY
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The best 5 year CD’s (certificates of deposit) which are nationally available are currently paying 3.80% APY. However, depending on where you live you may be able to find slightly better interest rates.
The top 5 year CD (nationally available) currently goes to Melrose Credit Union. Since Melrose Credit Union has an open New York State charter there are no geographic or group affiliation field of membership restrictions. So, regardless of where you live or how you earn a living, you may qualify for membership.
Membership Requirements for Melrose Credit Union:
There is a $1.00 one time membership fee and a minimum opening deposit of $25.00. The minimum deposit required to open their certificates of deposit is $5000. Individuals must provide:
- Valid Photo ID (Driver’s License, Non-Driver ID, Passport)
- Proof of Address (Utility Bill)
- Social Security Number
