5-year term FDIC cert #25291

Bank of the Valley 5-year CD rates

Bank of the Valley's 5-year certificate of deposit, with current APY, peer comparison, and end-of-term earnings.

Latest snapshot observed 2026-05-18.

3.25%

APY · 5-year

Term

5-year

Minimum deposit

As of

2026-05-18

How current 5-year CD rates are spread across the market. This rate is 3.25% — higher than 82% of products in this slice.

Honest Number rate database · latest snapshot per institution

Weekly national average for 5-year CDs over the past year. Latest national average: 2.30%. This product: 3.25%.

Honest Number rate database · weekly mean from observation_date

What you'd have at the end of the full 5 years term at 3.25% APY.

Initial deposit

At end of term (5 years)

$11,764

+ $1,764 earned

Related calculators

Run the numbers on this 5-year CD against other savings strategies.

Stagger maturities to keep liquidity while locking in rates.

See how interest stacks across any horizon and compounding cadence.

Convert quoted APYs into their underlying APR for apples-to-apples comparisons.

Back-solve the deposit you need to hit a target by a deadline.