We earn commissions from featured brands, which impact the order and presentation of listings
Advertising Disclosure
Advertising Disclosure

This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor.

While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.

Search
Banking
Credit Cards
Investing
Loans
Banking » Compare Banks » 8 Long-Term CDs With Highly Competitive Rates

8 Long-Term CDs With Highly Competitive Rates

If you're looking for a long term CD of at least 3 years, we've gathered some of the most lucrative options you can find these days
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: November 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update: November 30, 2024
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: November 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update:November 30, 2024

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

In today's uncertain economic landscape, finding secure investment opportunities with attractive returns has become increasingly challenging. 

However, long-term CDs offer an enticing avenue for individuals seeking stable and reliable options.

CDs provide a fixed interest rate and are ideal for those with long-term financial goals. 

To help you make informed investment decisions, this article presents a handpicked selection of the best long-term CDs with high competitive rates.

Lafayette Federal Credit Union 60-Month Certificate

Lafayette Federal Credit Union certificates (CDs)
Lafayette Federal Credit Union certificates (CDs)
Learn More

Lafayette Federal Credit Union 60-Month Certificate

APY

3.70%

Minimum Deposit

$500

Early Withdrawal Penalty

N/A

Other Terms

7 months – 5 years
Learn More

At Lafayette Federal Credit Union (LFCU), you can choose from a range of CD terms with competitive APYs. 

The rates vary from 4.11% for a 1-year term to 3.70% for a 5-year term. Opening a CD at LFCU requires a minimum deposit of $500. Enjoy the benefits of secure and rewarding CD investments with LFCU.

To join LFCU, there are three options available. Firstly, individuals can become a member by being affiliated with a participating organization such as schools, businesses, or unions, without any cost involved.

Secondly, residing, working, or worshipping within LFCU's service area, encompassing Maryland, Washington, D.C., and Virginia, allows one to join for a one-time fee of $5. 

Lastly, family members (spouse, child, or parent) of an existing LFCU member can join the credit union at no charge.

Popular Direct 60-Month CD

Popular Direct review
Popular Direct review
Learn More

Popular Direct 60-Month CD

APY

3.35%

Minimum Deposit

$10,000

Early Withdrawal Penalty

365 days of interest

Other Terms

3 months – 5 years
Learn More

Popular Direct offers highly competitive APYs compared to other financial institutions, including both online banks and credit unions. 

With a wide range of terms available, their CDs cater to various preferences, spanning from short-term options to long-term commitments like the 60-month CD.

The 12-month CD specifically boasts the highest APY, while the 60-month CD also offers attractive rates. Opening a CD account requires a minimum deposit, set at $10,000 regardless of the chosen term.

As an online-only bank, Popular Direct operates as a subsidiary of Popular Bank—a comprehensive financial services provider with a rich heritage dating back to 1893.