In July 2026, the best 5-year CD rates in the United States reach 4.35% APY at E*TRADE, according to a CNBC Select comparison covering more than 35 banks and credit unions. The national average rate for a 5-year CD stands at 1.73% APY according to the FDIC, a significant gap from the most competitive offerings. Top picks also include NASA Federal Credit Union at 4.28%, Sallie Mae and TAB Bank at 4.20%, and BTG Pactual at 4.15%. These fixed-rate products allow savers to lock in predictable returns for long-term financial goals such as a down payment on a home, with principal fully protected.
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