5 year CD Rate at BankDirect is currently at 0.25 percent with an APY of 0.25 percent. 4 Year CD rates at BankDirect are also at the low rate of 0.25 percent. You can earn a lot higher rate with 1 year CD rates which are 5 times higher right now. To view the history of all BankDirect 5 year CD rates go to: BankDirect 5 Year CD Rate