Top Credit Unions Offering the Best 5-Year CD Rates Today

Leading Credit Unions with Superior 5-Year Certificate of Deposit Rates

Five-year Certificates of Deposit (CDs) are typically the longest-term savings options available at financial institutions. These investments often feature the highest interest rates, rewarding customers willing to commit their funds for an extended period. Many savers choose 5-year CDs to secure substantial returns while locking in high rates before they decline further. Despite recent economic challenges causing interest rates to dip, some credit unions have started offering more attractive rates to meet investor demand. These institutions stand out for their stability and competitive offerings in the market.

Here are some of the leading credit unions renowned for offering the most competitive 5-year CD rates:

CommunityWide Federal Credit Union
Established in 1967, CommunityWide Federal Credit Union boasts assets of $410.9 million as of December 31, 2017. With 77 full-time staff members, it manages loans and leases totaling $362.6 million, serving 47,332 members who hold $281.3 million in shares. Known for its strong financial health, the credit union’s capital ratio stands at an impressive 24%, indicating robust security for its members.

Mountain America Credit Union
Founded in 1936 and based in West Jordan, Utah, Mountain America has assets exceeding $7.09 billion as of December 31, 2017. With 1,686 employees, the credit union manages loans and leases worth $6.13 billion and serves over 305,000 members. Although its capital ratio is slightly lower at 10%, Mountain America maintains high asset quality and safety standards, making it a trusted choice for long-term investors.

Connexus Credit Union
Headquartered in Wausau, Wisconsin, and established in 1935, Connexus holds assets of $1.69 billion (as of December 31, 2017). It employs 255 staff members and manages loans and leases worth $1.05 billion. Serving over 305,795 members, it holds $1.34 billion in shares. With a capitalization ratio of 12% and exceptional asset quality, Connexus offers a safe and attractive option for those seeking stable 5-year CD investments.

United States Senate Credit Union
Founded in 1935 in Alexandria, Virginia, this credit union has assets totaling $673.8 million as of December 31, 2017. Its dedicated team of 106 employees manages loans and leases valued at $516.2 million. Serving 34,809 members with $589.1 million in shares, the US Senate Credit Union maintains a solid asset quality score and a 14% capitalization ratio, ensuring safety and reliable returns for long-term depositors.