Rates updated · 71 banks tracked
Salem Five Direct CD rates: 4.36% APY best term
Salem Five Direct’s best tracked CD pays 4.36% across 5 terms — ranking in the upper half of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 5.00%. (Updated October 31, 2026.)
Salem Five Direct CD rates today, by term
| Term | APY |
|---|---|
| 1 year | 4.00% |
| 18 months | 4.36%Best |
| 2 years | 3.50% |
| 3 years | 2.00% |
| 5 years | 2.25% |
Is Salem Five Direct a good CD rate? Not really. At 4.36% its best CD trails the 5.00% best available tracked rate, leaving about $160 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 4.36%, $25,000 earns $1,090/yr here versus $1,250/yr at the field leader — a $160/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Frequently asked questions
What is Salem Five Direct's best CD rate?▾
Salem Five Direct's best tracked CD rate is 4.36% APY as of October 31, 2026, across 5 terms SwitchWize tracks for this bank.
Is Salem Five Direct's CD rate good?▾
Salem Five Direct's best CD rate ranks in the upper half of tracked banks. The best available tracked rate is 5.00% and the FDIC national savings average is 0.38%.
Which banks pay more than Salem Five Direct on CDs?▾
Higher-paying tracked options include marcus, prime alliance, vio. Compare rates at /cds to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.