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Port St. Lucie, Florida CD Rates – 5-Year

You are viewing rates from banks across Port St. Lucie





Below are 5-year CD Rates from banks that are located in Port St. Lucie, { Florida}. Five Year Certificates of Deposit (CD) are generally the longest term CD that most banks will offer. They tend to offer the highest rates but require the longest commitment. Five year CDs are especially popular in a declining interest rate environment as depositors can lock money in at the highest rate possible for the longest period of time. They are also popular with depositors who are willing to lock up money for five years in return for extra yield.

Port St. Lucie, FL - August 1, 2025

5 Year CD National Average : 0.92% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 730 days interest.
Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.20%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Rate History: 4.00% → 4.15%

| Oct 23, 2023

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More

Rate History: 5.00% → 4.75% → 4.50% → 4.25% → 4.15%

| Oct 29, 2018

I believe you must live in Utica or surrounding area to qualify for opening an account with them - I inquired a few years ago Read More

Rate History: 3.75% → 4.25% → 4.30% → 4.15% → 4.10%

| Apr 19, 2023

This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. Read More

Rate History: 4.20% → 3.75% → 4.00% → 4.15% → 4.10%

| Oct 12, 2022

Service has always been satisfactory. They have my complete trust and endorsement. Great bank in my opinion. Read More

Rate History: 3.50% → 4.00% → 4.15% → 4.10%

| Jun 10, 2021

I bank at this bank and they have the best people working there They all have a lot of knowledge and most all have been there a long time they do a great job and have the highest CD rates around Read More

Rate History: 2.93% → 4.50% → 4.47% → 4.32% → 4.06%

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.20% → 4.15% → 4.10% → 3.95% → 4.05%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 4.04% → 3.99% → 3.89% → 3.73% → 4.04%

Rate History: 4.21% → 3.45%

Early withdrawal penalty is 365 days interest.
Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Rate History: 3.05% → 3.50% → 4.11% → 4.00%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.00% → 3.75% → 3.25% → 3.75% → 4.00%

| May 6, 2023

Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More

Rate History: 3.90% → 3.85% → 4.00% → 3.95% → 4.00%

| Apr 8, 2019

Their online interface is circa 2004. They limit the number of accounts you can set up for ACH. And they sit on ACH transfers.... for days. Not sure if the good rates are worth it. Read More

Rate History: 4.50% → 3.50% → 4.00%

4.00%

$1,000

-

Learn More

Early Withdrawal Penalty is 360 days interest.
Rate History: 4.24% → 4.09% → 3.67% → 3.65% → 3.97%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 3.00% → 4.11%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 4.49% → 4.44% → 4.28% → 4.07% → 3.87%

| Mar 5, 2021

The best rate on any CD or savings account is .40% Read More

Rate History: 4.75% → 4.65% → 4.55% → 4.17% → 3.83%

| Oct 16, 2020

HAVE BEEN CALLING YOUR MORTGAGE DEPARTMENT ON "ITIN" LOANS AND HAVE NOT GOT A HUMAN PERSON TO ANSWER OR RETURN MY PHONE CALLS. WHAT IS HAPPEN? PLEASE ADVISE. THANK YOU, Read More

Early Withdrawal Penalty is 6 Months' Interest.
Rate History: 4.35% → 4.00% → 3.80%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

Rate History: 4.00% → 3.85% → 3.75% → 3.80%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate for Senior Citizens is 1.11% APY.
Rate History: 4.50% → 4.38% → 4.05% → 4.13% → 3.76%

| Aug 31, 2022

never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More

Rate History: 4.10% → 4.00% → 3.80% → 3.60% → 3.75%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Rate History: 4.00% → 4.25% → 4.00% → 3.75%

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.75% → 3.25% → 3.81% → 3.75%

| Mar 19, 2022

Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More

Rate History: 3.50% → 4.00% → 3.90% → 3.75%

| Oct 2, 2015

I have a CD maturing on 11/15 please email your CD Rates and contact info. Read More

| Apr 9, 2016

The two women, Shawn and Marcie, were very nice to me and accommodated my every transaction. Read More

| Jan 9, 2021

Used to be a good bank!! Taking money out of my account for something I did not purchase. This is the second time they did this. They do it on Fridays knowing that no one from the Fraud Department isn't th... Read More

Warning: Early withdrawal penalty is 3.00%.
Rate History: 2.00% → 3.75%

| Jan 10, 2024

Applied for the Joint 5.50% Hi Yield Savings special. (Note: some places reference it is guaranteed for 6 months, other parts of website only guarantee rate for 3 months). We applied and surprising denied ... Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.00% → 3.00% → 4.25% → 3.85% → 3.75%

| Jun 8, 2016

When is your next shred date @Ramtown? Read More

Rate History: 4.50% → 4.25% → 4.00% → 3.75%

Rate History: 4.47% → 4.37% → 4.11% → 3.96% → 3.75%

| Jun 22, 2023

I have been with The Mint Ntl Bank for going on the 3rd yr. They have always taken care of my CD investment and changes that come after the maturity (yearly) date. I highly recommend them! Read More

Rate History: 4.03% → 4.24% → 3.90% → 3.80% → 3.69%

| Mar 16, 2022

by how much? Read More

Rate History: 3.60% → 3.75% → 3.65% → 1.25% → 3.65%

| Sep 30, 2023

CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More

Rate History: 3.65% → 3.60% → 3.60% → 3.75% → 3.65%

| Jan 30, 2025

I found CFG Bank while searching for high APYs and went with them since they consistently offers some of the best rates in the country. I’ve had a great experience with my personal money market account. ... Read More

Rate History: 2.10% → 2.15% → 2.10% → 3.65%

| Mar 10, 2021

Northpointe -- my most favorite bank -- held their rate when others dropped -- nice people to deal with -- and -- COURAGE + INTEGRITY. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.50% → 4.15% → 4.00% → 3.75% → 3.60%

| Nov 21, 2023

A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More

Rate History: 1.26% → 2.02% → 3.55%

| Sep 13, 2021

On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More

Rate History: 3.03% → 3.55%

Warning: Early withdrawal penalty is 2% of principal

| Dec 22, 2018

I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More

Rate History: 3.90% → 3.75% → 3.50% → 3.40% → 3.50%

| Jan 10, 2024

AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More

Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.00% → 3.90% → 3.65% → 3.45% → 3.50%

| Mar 20, 2025

A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.05% → 4.05% → 3.90% → 3.75% → 3.50%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

Rate History: 1.00% → 3.50%

Rate History: 3.90% → 3.60% → 3.50% → 3.40% → 3.50%

| Aug 13, 2023

Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More

Rate History: 2.27% → 3.95% → 2.27% → 3.50%

Rate History: 3.50% → 4.00% → 3.75% → 3.50%

Rate History: 3.75% → 3.50%

Rate History: 1.00% → 4.50% → 3.75% → 3.50%

Rate History: 0.50% → 0.40% → 3.50% → 3.25% → 3.50%

Rate History: 2.75% → 2.75% → 4.00% → 3.75% → 3.50%

| Aug 30, 2023

Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More

Rate History: 4.00% → 3.90% → 3.75% → 3.50%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 3.55% → 3.50%

3.50%

$1,000

-

Learn More

Rate History: 4.00% → 3.75% → 3.50%

| Jul 6, 2023

This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More

Rate History: 1.00% → 2.80% → 4.00% → 3.75% → 3.50%

Rate History: 1.36% → 2.52% → 2.78% → 3.49%

| Jun 25, 2019

can I cash my Progressive Insurance claim check Read More

Rate History: 3.95% → 3.85% → 3.80% → 3.45%

| Feb 9, 2021

The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More

Rate History: 3.95% → 3.85% → 3.80% → 3.45%

Rate History: 3.55% → 3.44%

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 4.00% → 3.40%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Rate History: 1.75% → 3.80% → 3.65% → 3.45% → 3.40%

Rate History: 3.50% → 4.00% → 3.70% → 3.40%

Rate History: 2.75% → 4.00% → 3.40%

Rate History: 2.90% → 3.30% → 3.40%

| Jun 25, 2020

Ok, GFB's site a bit more compliant today. Unfortunately the rate posted here is not current. 1.05% and look at that minimum! Read More

Rate History: 2.52% → 3.00% → 3.40% → 3.25% → 3.35%

Rate History: 3.45% → 3.65% → 3.35%

| Dec 3, 2019

Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More

Rate History: 2.50% → 3.35%

Rate History: 3.70% → 3.75% → 3.85% → 3.75% → 3.35%

| Apr 25, 2022

We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More

Rate History: 4.07% → 3.71% → 3.51% → 3.35%

Rate History: 1.00% → 3.34%

Rate History: 2.90% → 3.30%

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

Rate History: 2.02% → 2.52% → 3.03% → 3.29%

Rate History: 4.25% → 3.29%

| Aug 20, 2019

Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.15% → 3.75% → 3.50% → 3.75% → 3.25%

| May 2, 2022

Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More

Rate History: 0.25% → 3.29% → 3.25%

Rate History: 3.00% → 3.25%

Rate History: 2.00% → 3.25% → 2.00% → 3.25%

| Feb 14, 2022

I had a personal checking account and a business account. All went well until I sent a polite letter pointing out that it is improper, and not good practice, to make online passwords expire. Why should ... Read More

| Mar 27, 2019

Still waiting for a call back from Liz over a long standing,annoying account problem Read More

Rate History: 0.40% → 3.25%

Rate History: 3.60% → 3.70% → 4.00% → 3.25%

| Mar 25, 2020

I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More

Rate History: 1.00% → 3.49% → 3.25%

| Feb 25, 2016

What's your phone number? Read More

Rate History: 4.25% → 3.75% → 3.50% → 3.25%

| Dec 13, 2019

yes good Read More

Rate History: 3.00% → 4.00% → 3.50% → 3.25%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More

Rate History: 3.86% → 3.61% → 3.23%

Rate History: 3.95% → 3.20%

Rate History: 3.20% → 3.35% → 3.20%

Rate History: 0.50% → 3.20%

Rate History: 2.95% → 3.20%

Rate History: 4.20% → 4.30% → 3.80% → 3.70% → 3.20%

Rate History: 2.02% → 2.00% → 3.25% → 3.10%

| Aug 5, 2022

The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More

Rate History: 2.85% → 3.10%

| Feb 2, 2021

This bank's site shows the 15 mo rate at .45% Read More

Rate History: 3.82% → 3.56% → 3.30% → 3.05%

Rate History: 3.82% → 3.51% → 3.56% → 3.05%

| Aug 16, 2019

Deceptive Sales Practices: Huge Penalties What an awakening! Without any clear statement, and nothing at all on its website, Avidia charged us 50% of the CD’s FULL TERM interest, including both paid... Read More

Rate History: 0.40% → 0.30% → 3.55% → 3.04%

Rate History: 0.75% → 3.03%

Rate History: 3.02% → 2.77% → 3.02%

Rate History: 3.01% → 4.01% → 2.51% → 3.02%

Rate History: 2.50% → 2.45% → 2.95% → 3.50% → 3.00%

Early Withdrawal Penalty is 30 months interest.
Rate History: 3.50% → 3.00% → 2.50% → 3.00%

Early Withdrawal Penalty is 12 months interest.
Rate History: 4.00% → 3.00%

Rate History: 2.50% → 3.00%

Rate History: 1.67% → 2.69% → 2.59% → 3.00%

Rate History: 3.00% → 3.25% → 3.00%

| Jul 11, 2018

cd rates Read More

Rate History: 1.85% → 3.50% → 3.25% → 3.00%

Rate History: 2.02% → 3.50% → 3.00%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

| Sep 14, 2023

Used them my whole life! Great little bank! Read More

Rate History: 0.50% → 3.75% → 4.00% → 3.00%

| Jan 30, 2020

Find branch personnel are genuinely interested in my business. Read More

Rate History: 2.85% → 3.00%

Rate History: 1.70% → 3.00%

Rate History: 2.00% → 0.60% → 2.00% → 0.60% → 3.00%

| Jul 31, 2020

Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More

| Feb 5, 2020

The employees of this bank are helpful but the bank's systems and procedures for obtaining your account information STINK. If you want a bank that provides you quarterly (or even annual) statements by mai... Read More

Rate History: 4.30% → 3.50% → 3.00%

| Mar 17, 2023

STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More

Rate History: 2.75% → 2.65% → 3.00%

Rate History: 3.50% → 3.25% → 3.00%

2.92%

$10,000

-

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Rate History: 3.10% → 2.90%

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.10% → 4.00% → 3.90% → 3.60% → 2.85%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

Rate History: 3.00% → 2.85%

Rate History: 2.01% → 1.76% → 2.78%

Rate History: 3.02% → 2.78%

| Nov 18, 2023

bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

| Oct 13, 2020

Been banking with RCB for 20 years now after today this will probably be my last year I was in a car wreck and my car was a total loss insurance set me a check. When up to the bank to try to catch it so I ... Read More

Rate History: 1.25% → 1.26% → 2.75%

Rate History: 3.00% → 2.75%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 2.02% → 3.56% → 2.73%

Rate History: 3.10% → 3.15% → 3.00% → 2.70%

Rate History: 2.22% → 1.97% → 1.92% → 1.76% → 2.68%

Rate History: 3.05% → 2.53%

| Sep 27, 2019

I use Marquette bank in Meadville on park avenue. and I use Marquette bank on rt 322 both of these banks have great mangers Dawn at park avenue and Kelly at rt 322 there tellers are the best Read More

Early Withdrawal Penalty is all interest earned.
Rate History: 2.27% → 2.50%

| Mar 30, 2021

These guys are the best local bank. Very responsive. Read More

| Dec 26, 2021

SJennings Read More

2.50%

$500

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| Apr 18, 2017

Village Bank currently has a 15 mo. CD special at 1.50% Read More

Rate History: 1.00% → 0.13% → 2.50%

| Nov 13, 2019

My favorite bank in South Dennis MA. There are always sufficient enough staff so that there is never a long waiting line. And the staff is always pleasant and efficient. Read More

Rate History: 3.50% → 2.50% → 3.50% → 2.50%

| Jun 21, 2022

The new rates have eclipsed shat i currently hold with this bank. Read More

Rate History: 0.25% → 2.50%

Rate History: 1.00% → 2.50%

Rate History: 1.00% → 2.42%

Rate History: 2.45% → 2.40%

| Feb 6, 2021

After purchasing more than 6 homes and going through more than a dozen refinancing processes, I must say that this is the worst company I have ever had the misfortune of dealing with. It took these clowns ... Read More

Rate History: 2.27% → 2.32%

| Nov 3, 2023

site does not update at all, totally wrong rates listed Read More

| Dec 8, 2023

We have been banking with Citizen's First for 4 years. Their branches, service, website, and employee attitudes are and always have been excellent. Their branches are warmly personal with free buttered po... Read More

Rate History: 1.00% → 3.55% → 3.03% → 2.27%

Rate History: 0.01% → 2.25%

| Nov 12, 2018

Helpful w/$ Read More

| Jan 8, 2018

Another bad bank! Did a hard pull just to open a checking account with no overdraft and denied me. Never even bothered to send a letter or e-mail. Now I have another inquiry on my credit report for nothin... Read More

Rate History: 1.50% → 2.25%

2.15%

$500

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Rate History: 2.08% → 2.14%

Rate History: 2.27% → 2.12%

| Jan 16, 2019

12 mo now pays 2.80% apr Read More

| Feb 18, 2021

Interest rate on 1 year CD is only .40%. Five year term is .80% Read More

Rate History: 0.30% → 2.00%

Rate History: 2.00% → 3.00% → 2.00%

| Dec 6, 2022

Customer service — unreliable, different CS person gets a different answer. LOB readily accepts your incoming funds, out going of funds the bank puts up a barrage of road blocks. A wire out, a letter FR... Read More

Rate History: 4.25% → 3.50% → 3.00% → 2.50% → 2.00%

Rate History: 0.25% → 2.00%

| Jan 25, 2015

Want home equity loan at 443 Pierce Lane, Kennett Square PA, 30M, 10 yrs, excellent credit rating. 610-388-2278. Read More

Rate History: 3.00% → 2.50% → 2.00%

| Apr 25, 2023

with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

Rate History: 2.00% → 3.00% → 2.00% → 3.00% → 2.00%

| Apr 30, 2019

No issues. I feel confident using them. Read More

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

| Feb 13, 2018

Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More

Rate History: 1.00% → 2.00%

Rate History: 2.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 2.00% → 1.95%

| Apr 12, 2019

United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More

1.81%

$500

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Rate History: 4.05% → 3.39% → 1.76% → 2.88% → 1.76%

1.76%

$10,000

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1.76%

$10,000

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| Dec 4, 2020

Very easy to do business with, low mortgage interest rates without all the fees that other Banks charge. No games or hidden costs, just good service. Read More

1.76%

$10,000

-

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Rate History: 2.27% → 1.76%

| Mar 20, 2023

Would not trust their business services department. Read More

1.75%

$10,000

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1.75%

$500

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Rate History: 2.00% → 1.75%

| May 8, 2021

Location: 5069 N. Broadway Chicago IL 60640 Read More

Rate History: 1.00% → 1.75%

1.75%

$100,000

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1.75%

$10,000

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1.75%

$10,000

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Rate History: 0.73% → 0.75% → 1.03% → 1.11% → 1.72%

| Oct 1, 2017

Will play games with your account. changing posting dates and times. Will hold direct deposit so you overdraft your account. Read More

1.71%

$10,000

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1.70%

$1,000

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1.70%

$100,000

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Rate History: 1.70% → 1.70%

| Apr 20, 2023

This is a true blue community bank. When you call you get people that are able to take action and make decisions. Customer service is number 1. Works great for CDs. They have a nice stand alone buildin... Read More

1.70%

$10,000

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1.66%

$100,000

-

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1.66%

$10,000

-

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| Jun 28, 2017

showmeonehundredthousanddollars Read More

1.65%

$10,000

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| Jan 21, 2020

Can someone deposits check via ATM Read More

| Feb 2, 2015

Do you accept cd opening deposits from mass. and how. thanks. 100,000 or more if rates can be improved a bit. thanks Read More

1.61%

$10,000

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1.61%

$100,000

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1.60%

$10,000

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1.60%

$10,000

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1.60%

$10,000

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1.56%

$100,000

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1.56%

$100,000

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| May 29, 2020

Dua Read More

1.55%

$100,000

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1.55%

$500

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1.53%

$10,000

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1.53%

$10,000

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1.53%

$10,000

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1.52%

$10,000

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1.51%

$10,000

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1.51%

$10,000

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1.51%

$10,000

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1.51%

$100,000

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1.51%

$10,000

-

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1.51%

$10,000

-

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1.51%

$500

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1.51%

$10,000

-

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1.51%

$500

-

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1.51%

$1,000

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1.51%

$10,000

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1.51%

$10,000

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1.51%

$10,000

-

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1.51%

$10,000

-

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| Jun 28, 2021

They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice. Read More

1.51%

$10,000

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1.51%

$10,000

-

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1.51%

$100,000

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1.51%

$10,000

-

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1.51%

$10,000

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1.51%

$10,000

-

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1.51%

$10,000

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1.51%

$100,000

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1.51%

$10,000

-

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1.51%

$10,000

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1.51%

$10,000

-

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1.51%

$10,000

-

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1.51%

$100,000

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1.51%

$10,000

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1.51%

$10,000

-

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1.51%

$10,000

-

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1.51%

$100,000

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1.51%

$10,000

-

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1.51%

$10,000

-

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1.51%

$10,000

-

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1.51%

$10,000

-

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1.51%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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Rate History: 2.50% → 1.50%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

1.50%

$100,000

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1.50%

$100,000

-

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1.50%

$2,500

-

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1.50%

$1,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$500

-

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1.50%

$1,000

-

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1.50%

$10,000

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1.50%

$10,000

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$1,000

-

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1.50%

$10,000

-

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1.50%

$1,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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| Feb 13, 2023

I’ve not been getting my bank card as 3 have been on order now for over 6mths so they keep ordering me new ones after 2mths each time…I live in Canada & No one in Canada is getting there bank cards at ... Read More

1.50%

$10,000

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.50%

$100,000

-

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1.50%

$10,000

-

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1.50%

$10,000

-

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1.49%

$1,000

-

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1.49%

$10,000

-

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1.46%

$10,000

-

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1.46%

$100,000

-

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1.46%

$10,000

-

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1.46%

$10,000

-

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1.46%

$10,000

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1.46%

$100,000

-

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| Mar 29, 2017

my ira Read More

1.46%

$100,000

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1.46%

$10,000

-

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1.46%

$10,000

-

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| Mar 19, 2021

... Read More

1.45%

$100,000

-

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1.45%

$10,000

-

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1.45%

$10,000

-

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1.41%

$10,000

-

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1.41%

$500

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1.41%

$100,000

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1.41%

$500

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1.41%

$10,000

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1.41%

$100,000

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1.41%

$60,000

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1.41%

$2,500

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1.41%

$10,000

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1.41%

$25,000

-

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1.41%

$100,000

-

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1.41%

$10,000

-

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1.41%

$100,000

-

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| Feb 9, 2019

Can I order new checks online? Read More

1.41%

$500

-

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| Sep 14, 2020

Jamestown KY Read More

1.41%

$10,000

-

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1.41%

$10,000

-

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1.41%

$100,000

-

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1.41%

$500

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1.41%

$100,000

-

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1.41%

$10,000

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1.41%

$10,000

-

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1.41%

$100,000

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1.41%

$100,000

-

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1.41%

$100,000

-

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1.40%

$100,000

-

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1.40%

$25,000

-

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1.40%

$10,000

-

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1.40%

$10,000

-

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| Oct 23, 2017

How o purchases the special 10% CD rate? Read More

1.40%

$100,000

-

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1.40%

$500

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1.40%

$100,000

-

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| Aug 15, 2021

20 Read More

1.40%

$10,000

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1.40%

$10,000

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1.40%

$10,000

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1.40%

$500

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1.40%

$1,000

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1.40%

$100,000

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1.40%

$10,000

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1.40%

$10,000

-

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1.40%

$10,000

-

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1.40%

$10,000

-

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1.40%

$10,000

-

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1.40%

$10,000

-

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1.40%

$10,000

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1.40%

$10,000

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1.40%

$10,000

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1.40%

$100,000

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1.40%

$10,000

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1.40%

$10,000

-

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1.40%

$10,000

-

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1.40%

$10,000

-

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1.40%

$100,000

-

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1.40%

$10,000

-

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1.40%

$10,000

-

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1.40%

$100,000

-

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1.40%

$10,000

-

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1.39%

$10,000

-

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1.38%

$500

-

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1.38%

$100,000

-

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1.38%

$10,000

-

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1.37%

$10,000

-

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1.36%

$10,000

-

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1.36%

$100,000

-

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1.36%

$10,000

-

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1.36%

$10,000

-

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1.36%

$10,000

-

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1.36%

$10,000

-

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1.36%

$1,000

-

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1.36%

$500

-

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1.36%

$10,000

-

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1.36%

$500

-

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1.36%

$10,000

-

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1.36%

$10,000

-

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1.36%

$100,000

-

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1.36%

$100,000

-

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1.36%

$10,000

-

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1.36%

$10,000

-

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1.36%

$5,000

-

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1.36%

$100,000

-

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1.36%

$10,000

-

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1.35%

$100,000

-

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1.35%

$10,000

-

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1.35%

$10,000

-

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1.35%

$100,000

-

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1.35%

$500

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1.35%

$10,000

-

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1.35%

$10,000

-

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1.35%

$100,000

-

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1.35%

$100,000

-

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1.35%

$10,000

-

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1.35%

$100,000

-

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1.35%

$10,000

-

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1.35%

$5,000

-

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1.35%

$10,000

-

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1.35%

$10,000

-

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1.35%

$100,000

-

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1.35%

$10,000

-

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1.35%

$10,000

-

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1.35%

$10,000

-

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1.35%

$10,000

-

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1.35%

$100,000

-

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1.35%

$100,000

-

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1.35%

$10,000

-

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1.35%

$100,000

-

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1.35%

$10,000

-

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1.35%

$10,000

-

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Rate History: 1.00% → 1.35% → 1.30% → 1.35%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

1.35%

$100,000

-

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Rate History: 0.60% → 1.35%

1.35%

$10,000

-

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1.33%

$10,000

-

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1.32%

$10,000

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1.32%

$10,000

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1.31%

$10,000

-

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Rate History: 1.51% → 1.31%

1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$500

-

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1.31%

$10,000

-

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| Feb 9, 2019

Can I order new checks online? Read More

1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$1,000

-

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1.31%

$100,000

-

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1.31%

$100,000

-

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1.31%

$10,000

-

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| Jan 1, 2020

00Title1! Read More

1.31%

$10,000

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.31%

$100,000

-

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1.31%

$10,000

-

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| Apr 27, 2023

have had 3 cd accounts. all interactions with instructions for disposition of funds were never exactly enacted as discussed and requests for confirmatory emails never sent with details as terms discussed. ... Read More

1.31%

$100,000

-

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1.31%

$10,000

-

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1.31%

$10,000

-

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1.30%

$100,000

-

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1.30%

$50,000

-

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1.30%

$10,000

-

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1.30%

$100,000

-

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1.30%

$500

-

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1.30%

$2,500

-

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1.30%

$1,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$100,000

-

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1.30%

$100,000

-

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1.30%

$1,000

-

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1.30%

$100,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$1,000

-

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| Apr 22, 2022

I am considering finding another bank to do business with Read More

1.30%

$10,000

-

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| Aug 10, 2019

I did not appreciate getting pulled into the 2.53% offer on $100k only to have the rate lowered by the time I finally got the money in. Read More

1.30%

$10,000

-

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1.30%

$500

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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Rate History: 1.05% → 1.30%

| May 26, 2017

Before009 Read More

| Jan 27, 2023

The worst bank I have ever had Read More

1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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1.30%

$10,000

-

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| Aug 15, 2019

I DO NOT LIKE THIS BANK, MORE THAN ONCE I HAVE BEEN HUMILIATED BY THIS BANK AND THEIR CARDS. Read More

1.29%

$10,000

-

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1.29%

$10,000

-

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1.29%

$100,000

-

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1.28%

$100,000

-

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1.27%

$10,000

-

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1.27%

$100,000

-

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1.27%

$10,000

-

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1.26%

$1,000

-

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1.26%

$10,000

-

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1.26%

$90,000

-

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1.26%

$10,000

-

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1.26%

$10,000

-

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1.26%

$1,000

-

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1.26%

$10,000

-

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| Aug 20, 2022

FNB FOLKSTON,GA, Ga. is the BEST bank to do business with, they go above and beyond for their customers, staff Is Great!! Sure miss some of the former employees though!! Read More

1.26%

$500

-

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1.26%

$100,000

-

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1.26%

$5,000

-

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1.26%

$10,000

-

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1.26%

$10,000

-

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1.26%

$10,000

-

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1.26%

$500

-

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1.26%

$500

-

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| Dec 8, 2016

Not a handicap friendly bank at main office. Customers must walk long distance to reach teller windows far from entrance. CD rates could be improved. Putman County Bank has 1 percent better on larger... Read More

1.26%

$10,000

-

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1.26%

$500

-

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| Aug 11, 2019

We have trouble with them crediting payments made on time, by the time point Aand B get your payment and record it, you are always seen as a late payment. This just drives me crazy, also, they don't do all... Read More

1.26%

$500

-

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1.26%

$10,000

-

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1.26%

$500

-

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1.26%

$10,000

-

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All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
Synchrony Bank
Berryhill Road Branch
5907 Berryhill Road Milton FL
Raymond James Bank
Raymond James Bank, National Association Branch
710 Carillon Parkway Saint Petersburg FL
Popular Bank
Dadeland Branch
8875 Dadeland Blvd Miami FL
Crescent Bank
Crescent Bank & Trust Jacksonville L Branch
9485 Regency Square Boulevard, Suite 102 Jacksonville FL
Amerant Bank, Formerly Mercantil Bank
Pinecrest Branch
9350 South Dixie Hwy Miami FL
Beal Bank USA
Tampa Branch
4142 West Boy Scout Boulevard, Suite E-4 Tampa FL
Monet Bank
Winter Park Branch
400 W. Morse Boulevard, Suite 100 Winter Park FL
Axiom Bank, National Association
St Cloud Branch
4400 13th St Saint Cloud FL
American Commerce Bank, National Association
Probank Branch
536 North Monroe Street Tallahassee FL
Citizens First Bank
Mulberry Grove Branch
8590 S.E. 165th Mulberry Lane The Villages FL
Fifth Third Bank, National Association
Aloma & Tuscawilla Branch
Aloma Avenue Oviedo FL
Citibank, National Association
Boca Mizner Branch
700 South Federal Highway Boca Raton FL
JPMorgan Chase Bank, National Association
Miramar & Palm Banking Center Branch
9999 Miramar Pkwy Miramar FL
Union State Bank
Destin Branch
978 Airport Road Destin FL
Madison County Community Bank
Madison County Community Bank Branch
301 West Base Street Madison FL
First National Bank of Pasco
Zephyrhills Branch
4518 Gall Boulevard Zephyrhills FL
Third Federal Savings and Loan Association of Cleveland
Plantation Branch
8500 West Broward Boulevard Plantation FL
Madison County Community Bank
Madison County Community Bank Branch
301 West Base Street Madison FL
Woodforest National Bank
8253 Jacksonville Florida Walmart Br Branch
6830 Normandy Blvd Jacksonville FL
Surety Bank
Surety Bank Branch
990 North Woodland Boulevard Deland FL
Community Bank of the South
Community Bank Of The South Branch
277 North Sykes Creek Parkway Merritt Island FL


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Five Year CDs - Branch Banks 2025

Five-year CDs are the big kahuna of the CD world. While banks may offer six-year, seven-year, or even 10-year CDs, the five-year is the longest of the most commonly offered terms. The 5-year CD is therefore often the highest offer at your local bank. Therefore, the temptation for those looking for yield is to open one, deposit money, and forget about it for five years. This could be a mistake. In rising rate environments a five-year CD may not be a good investment.

Safety

Like every other CD term, five year CDs from FDIC insured banks are protected up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure.

Inflation

The principle threat to a a five year CD is inflation. If the CD is opened in a low rate environment, and rates and inflation subsequently rise, then inflation will erode the value of the certificate of deposit over its five years. For example, if a depositor opened a five year CD in year 1 with a yield of 2.05% APY and inflation at 1.5%, then the real return is .55 percentage points. But if inflation rises the next year to 2.5% and stays there for the next four years, then the CD in real terms is losing money every year: 2.05% - 2.5% = -.45%.

While it is impossible for anyone to predict too far into the future, savers should be cognizant of the economic environment before locking up money for a five year time-period. Our rate analysis page provides some insight into where we think rates will go.

On the other hand, if rates are falling and will continue to do so for some time due to an economic recession then it makes sense to lock in a higher rate with a five year CD. Savers who opened five year CDs in 2008 immediately after the financial crisis were able to lock in rates in the 6% range, a great move considering two years later a five year CD paid below 3%.

Interest

Five-year CDs currently pay about 1.00% more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years.

Opening a Five Year CD

Opening a five year CD in a branch is relatively easy and similar to every other CD term. Most banks require the customer be a resident of the United States and most branch-based banks ask that the account be opened in the bank. Funding can be performed by transferring money that is already located at that bank or by check or ACH transfer from another bank. The CD can be opened that day and the rate locked.

With longer term CDs, savers should make sure they put a record of the CD in a safe place and that if they move, they forward their new address to the bank. In cases where the bank cannot find the CD holder, the bank may hand the funds over to a state authority as a lost deposit, and it will require onerous paperwork to reclaim the money.

ADVANTAGES AND DISADVANTAGES OF FIVE YEAR CDs

Advantages of five year CDs

  • 5 year CDs provide the highest rate of the common CD terms.
  • The return is fixed for five years, which is an advantage in a flat or falling rate environment.

Disadvantages of five year CDs

  • The money is locked away for five years and cannot be withdrawn without a substantial penalty.
  • In a rising rate environment, inflation will reduce the value of the money in the CD over time.
  • Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates