My crystal ball is broken, so I have no idea where rates are going over the next five years. I do know that over this summer since Memorial Day weekend, over 100+ financial institutions have offered rates of 6% apy and higher on certificates with varying terms and deposit levels. Although a number of these certificates were restricted by geography or to certain groups, a number of 6%+ certificates were available to anyone.
Below are a few of the current offers available to anyone:
Patelco Credit Union 6% 12-23 month Flexible Term Bump Up Certificates
Pentagon Federal Credit Union 6% apy 3, 4, & 5 Year Certificates
Western Federal Credit Union 6.56% apy 36 Month Variable Rate Certificate