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You are viewing rates from banks across Cedar Hill
Below are 5-year CD Rates from banks that are located in Cedar Hill, { Texas}. 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.
Cedar Hill, TX - December 15, 2025
5 Year CD National Average : 0.92% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.00% |
$2,500 |
- |
Learn More
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Rate History: 3.80% → 4.00% → 3.80% → 3.90% → 4.00% |
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HAL1975 | 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 |
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4.00% |
$1,000 |
14.61 |
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3.76% |
$25,000 |
- |
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Rate History: 3.05% → 3.50% → 4.11% → 4.00% → 3.76% |
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79Thru | 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 |
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3.50% |
$500 |
- |
Learn More
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Rate History: 2.75% → 3.50% |
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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
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3.45% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 730 days interest. |
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Neil | 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 |
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3.45% |
$1,000 |
20.46 |
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Rate History: 3.95% → 3.85% → 3.80% → 3.45% |
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3.35% 0.35% |
$250,000 $1,000 |
21.98 |
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Rate History: 3.45% → 3.65% → 3.35% |
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NORTY FLATZ | 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 |
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2.75% |
$10,000 |
20.48 |
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Rate History: 4.25% → 3.29% → 3.25% → 2.75% |
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Ange | 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 |
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2.42% 2.07% |
$100,000 $1,000 |
20.72 |
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Rate History: 1.00% → 2.42% |
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2.02% |
$1,000 |
23.31 |
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Rate History: 3.05% → 2.53% → 2.02% |
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2.00% |
$0 |
20.70 |
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Azoic | 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 |
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2.00% |
$10,000 |
22.40 |
Learn More
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Rate History: 2.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.35% |
$500 |
22.17 |
Learn More
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Rate History: 1.00% → 1.35% → 1.30% → 1.35% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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1.26% |
$10,000 |
20.42 |
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1.20% |
$10,000 |
20.00 |
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1.10% |
$10,000 |
15.68 |
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1.05% |
$100,000 |
20.92 |
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1.00% |
$10,000 |
20.92 |
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1.00% |
$10,000 |
21.43 |
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Rhepler | Aug 4, 2022 Great CD rates & service Read More |
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0.85% |
$10,000 |
8.88 |
Learn More
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wello50 | Jul 1, 2021 What day of the month do you report to the credit bureaus Read More |
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0.85% |
$100,000 |
22.54 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.85% |
$10,000 |
19.83 |
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0.85% |
$10,000 |
16.55 |
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0.80% |
$10,000 |
5.66 |
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Splashgirl1961@gmail.com | Jan 8, 2024 Awful, rude unprofessional! Beware Read More |
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0.80% |
$100,000 |
15.83 |
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0.75% |
$10,000 |
16.01 |
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0.75% |
$10,000 |
22.39 |
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0.75% |
$10,000 |
22.54 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.70% |
$10,000 |
19.37 |
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0.65% |
$250 |
20.45 |
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0.65% |
$10,000 |
23.72 |
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0.65% |
$100,000 |
22.24 |
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0.65% |
$10,000 |
20.36 |
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0.65% |
$100,000 |
18.29 |
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.60% |
$100,000 |
11.25 |
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0.60% |
$10,000 |
22.54 |
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.60% |
$10,000 |
22.24 |
Learn More
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0.60% |
$10,000 |
19.30 |
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0.55% |
$10,000 |
11.25 |
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0.55% |
$10,000 |
5.62 |
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0.50% |
$1,000 |
- |
Learn More
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RTN1949 | Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More |
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0.50% |
$10,000 |
15.83 |
Learn More
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0.50% |
$10,000 |
22.17 |
Learn More
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Ernie Bramlett | Sep 30, 2015 Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More |
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0.49% |
$10,000 |
18.29 |
Learn More
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Peggy Sterioti | Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More |
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0.40% |
$10,000 |
22.22 |
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0.40% |
$10,000 |
21.99 |
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0.40% |
$10,000 |
22.14 |
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0.33% |
$1,000 |
8.25 |
Learn More
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thedon | Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More |
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0.30% |
$10,000 |
21.49 |
Learn More
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Bauhinia C | Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More |
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0.30% |
$10,000 |
19.65 |
Learn More
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jim | Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More |
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0.25% |
$10,000 |
20.36 |
Learn More
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0.25% |
$10,000 |
22.32 |
Learn More
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Ralph | Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More |
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0.20% |
$1,000 |
- |
Learn More
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.15% |
$500 |
22.21 |
Learn More
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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0.05% |
$1,000 |
21.59 |
Learn More
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Customer | Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More |
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0.00% |
$10,000 |
7.94 |
Learn More
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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%.
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 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.
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.
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
