Top Credit Unions Offering the Most Competitive 5-Year CD Rates Today
Explore the top credit unions offering the most competitive 5-year CD rates today. Discover safe, reliable, and high-yield savings options from well-established credit unions with strong financial health. Ideal for long-term investors seeking stability and attractive returns, these institutions provide some of the best 5-year CD options on the market. Learn about leading credit unions like CommunityWide, Mountain America, Connexus, and US Senate Credit Union, and understand why their offerings stand out for security, asset quality, and competitive rates. Secure your savings today with trusted credit unions providing long-term investment opportunities.
Leading Credit Unions with Attractive 5-Year Certificate of Deposit (CD) Rates
In the landscape of personal finance, 5-year Certificates of Deposit (CDs) are considered some of the most appealing long-term savings options available at banks and credit unions. These financial products appeal to investors who prefer a secure, predictable return over an extended period. Typically, 5-year CDs offer higher interest rates compared to shorter-term deposits, rewarding those who lock their funds in for a longer duration. As interest rates fluctuate based on economic conditions, many savers aim to lock in current high rates before potential declines. Despite recent economic headwinds, certain credit unions have started offering more competitive 5-year CD rates to attract long-term depositors, emphasizing their financial stability and customer-centric approach.
Below are some of the most reputable credit unions that are leading the market with their attractive 5-year CD offerings, providing investors with safe and lucrative options for their savings:
CommunityWide Federal Credit Union
Founded in 1967, CommunityWide Federal Credit Union is known for its solid financial foundation. As of December 31, 2017, it reported assets totaling $410.9 million and a staff of 77 dedicated professionals. The credit union manages loans and leases worth $362.6 million and serves a community of 47,332 members holding $281.3 million in shares. Its strong capital ratio of 24% signifies exceptional stability and safety for depositors, making it a reliable choice for long-term investments in 5-year CDs. CommunityWide prioritizes member security and strives to offer competitive rates aligned with its financial strength.
Mountain America Credit Union
Established in 1936 and based in West Jordan, Utah, Mountain America Credit Union has grown to become one of the largest credit unions in the U.S. With assets exceeding $7.09 billion as of December 31, 2017, the institution employs over 1,686 staff members. It manages loans and leases worth approximately $6.13 billion and serves more than 305,000 members nationwide. Although its capital ratio is slightly lower at around 10%, Mountain America's high asset quality and conservative risk management practices ensure a safe environment for long-term deposits. Its focus on stability and member service makes it an attractive institution for those seeking competitive 5-year CD rates.
Connexus Credit Union
Headquartered in Wausau, Wisconsin, Connexus Credit Union was established in 1935 and currently holds assets totaling $1.69 billion as of December 31, 2017. With a team of 255 employees, it manages loans and leases worth $1.05 billion, serving a membership base exceeding 305,795 members. The credit union holds $1.34 billion in shares, reflecting strong member trust. Connexus maintains a capitalization ratio of 12% and is recognized for its high asset quality, safety, and reliable interest rates. Its stable financial position offers a compelling opportunity for individuals seeking secure, high-yield 5-year CD investments that combine safety with competitive returns.
United States Senate Credit Union
Founded in 1935 and based in Alexandria, Virginia, the US Senate Credit Union has demonstrated consistent growth and stability over decades. As of December 31, 2017, it reported assets of $673.8 million and an experienced team of 106 staff members. The credit union manages loans and leases valued at $516.2 million. Serving approximately 34,809 members, it holds $589.1 million in shares, illustrating strong confidence among its depositors. With a capitalization ratio of 14%, it emphasizes safety and reliability, making it an excellent choice for those interested in long-term, secure 5-year CD investments. The credit union’s focus on asset quality and member security ensures it remains a top contender in competitive savings offerings.
