Fifth Third CD Rates (November 2026) & Calculator
Fifth Third pays up to 3.70% APY on a 1-year CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Fifth Third CD rates (Nov 5, 2026)
Every CD term Fifth Third lists on its website, with what $10,000 earns over the full term. Rates are for Tampa, FL (ZIP 33602); Fifth Third prices CDs by location, so check yours on its site.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 4 months | 4 Month CD PromoSpecial | $5,000 | 3.50% | $115.33 |
| 8 months | 8 Month CD PromoSpecial | $5,000 | 3.60% | $238.58 |
| 1 year | 12 Month CD PromoSpecial | $5,000 | 3.70% | $370.00 |
| 2 years | 24 Month CD PromoSpecial | $5,000 | 3.36% | $683.29 |
Special is a promotional rate. Relationship needs a linked account at Fifth Third. A dash means the same APY as the opening balance. The highlighted row is Fifth Third's top rate.
Source: Fifth Third CD rates. Rates change often; confirm before you open an account.
Fifth Third vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.
| Term | Fifth Third | National avg | Best other bank |
|---|---|---|---|
| 4 months | 3.50% | 1.14% (3 mo) |  Atlantic Union 3.85% |
| 8 months | 3.60% | 1.39% (6 mo) |  Chase 3.50% (relationship) |
| 1 year | 3.70% | 1.76% |  Popular Direct 4.60% |
| 2 years | 3.36% | 1.55% |  E*TRADE 4.80% |
Fifth Third CD early withdrawal penalty
| Term | Penalty |
|---|---|
| 7 to 364 days | 1% of the amount withdrawn |
| 365 days to 36 months | 2% of the amount withdrawn |
| 36 months or longer | 3% of the amount withdrawn |
Example: $10,000 in a 1-year CD at 3.70%, withdrawn after 6 months, has earned $183.32. The penalty is $183.32, so you would get $10,000.00.
Fifth Third charges a percent of the amount withdrawn, capped at the interest earned (except in the first 6 days, when a 7-day interest minimum applies). Official disclosure (checked 2026-11-06).
Taxes on Fifth Third CD interest
CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. Fifth Third sends Form 1099-INT when you earn $10 or more in a year. For example, the $370.00 that $10,000 earns over 1 year at 3.70% would cost about $81 in federal tax in the 22% bracket.
If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Fifth Third's published rule for that term.
Rates come from Fifth Third's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Fifth Third's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.
Fifth Third CD FAQs
Quick answers about Fifth Third CD rates and penalties.
What are Fifth Third's CD rates today?
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What is Fifth Third's CD early withdrawal penalty?
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How do Fifth Third's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. Fifth Third's best is 3.70%.
- Popular Direct1-year 4.60%Top rate5.00%5 yr
Sallie Mae1-year 4.50%Top rate5.00%5 yr- E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr
Synchrony1-year 4.30%4.75%5 yr
Ally1-year 4.50%4.50%1 yr
American Express1-year 3.75%4.50%10 mo
CIBC Agility1-year 4.50%4.50%1 yr
EverBank1-year 3.50%4.50%2 yr
Live Oak Bank1-year 4.50%4.50%1 yr
Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr
Bask Bank1-year 4.35%4.35%1 yr- Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
TD Bank1-year 4.15%4.30%2 yr
BOK FinancialNo 1-year CD4.25%14 mo
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.
Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.
Navy Federal1-year 4.05%Credit union4.10%18 mo
Valley Bank1-year 3.50%4.10%6 mo
WaFd Bank1-year 3.00%4.10%13 mo- United Bank1-year 2.00%4.05%11 mo
Capital One1-year 4.00%4.00%1 yr
CIT Bank1-year 4.00%4.00%1 yr
First Citizens1-year 2.00%4.00%5 mo- Customers BankNo 1-year CD3.85%3 mo
- Chase1-year 0.50%3.50%8 mo · rel.
PenFed1-year 3.20%Credit union3.50%5 yr
U.S. Bank1-year 3.40%3.50%9 mo
Western Alliance1-year 2.78%3.48%3 mo
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
USAA1-year 1.80%2.25%7 mo
OceanFirst1-year 0.10%0.50%7 yr
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat Fifth Third's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.