This month, the best nationally available deal on 5-year CD rates comes from a small bank out of North Carolina.
KeySource Commercial Bank, which has a single branch in Durham, N.C., pays 1.95% APY on 5-year certificates of deposit.
You'll only need a $100 minimum to open an account in person, but if you open an account online, you'll need $5,000.
KeySource is currently paying almost four-fifths of a percentage point higher than the current national average for 60-month rates -- 1.16 percent, according to our most recent survey of national banks and thrifts.
That return is almost exactly what 10-year Treasury bonds are paying this morning -- just a little below 2%.
As of Feb. 10, 2012, seven other banks offer rates of at least 1.76% APY:
National Republic Bank of Chicago, which has two branches in Chicago, pays 1.87% APY with a $1,000 minimum.
Broadway Federal Bank, which has three branches in Los Angeles and Inglewood, Calif., pays 1.87% APY with a $500 minimum.
Nationwide Bank, an online bank owned by Nationwide Mutual Insurance Company and its affiliates, pays 1.80% APY with a $500 minimum.
The Jacksonville Bank, which has five locations in northeast Florida, pays 1.80% APY with a $1,000 minimum.
Intervest National Bank, which has a single branch in New York City and six branches in Florida, pays 1.80% APY with a $2,500 minimum.
Virtual Bank, the online division of Sabadell United Bank based in Miami, pays 1.77% APY with a $10,000 minimum.
EverBank, a predominantly online bank based in Jacksonville, Fla., pays 1.76% APY with a $1,500 minimum.
To qualify for this list, a bank must allow savers from all 50 states to buy its certificates of deposit online or through the mail.
Click here to compare these returns with the top CD rates from dozens of banks in your area.
Our CD calculator will help you figure out the interest you'll earn, for any term, amount and interest rate.