Astoria Federal Savings is offering 3.05% APY on a 5 year CD with no strings attached. No checking account is required to open, and only $500.00 minimum is required to open. The offer is only available by visiting one of their local branches in the New York (mostly Long Island) area. While not the highest rate available, it is slightly higher than the national average of 2.68% APY. The highest rate available nationally is 3.31% with the USAA Federal Savings Bank. The only issue is a minimum of $175,000 is required to open. The top 5 Year CD available nationally is 3.29% with the Melrose Credit Union.
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