Best 2-year CD rates

Requirements

Product: $10,000 minimum opening account deposit and balance requirement. Minimum balance to earn interest is $0.01. Fixed interest rate. Interest compounded daily and credited monthly (optionally quarterly or at maturity for terms <12 months). External account validation required. Penalty imposed for early withdrawal. Fees may reduce earnings.

Offer: Fixed rate. Requires $10,000 minimum opening deposit. Penalty for early withdrawal is 270 days simple interest for terms >=12 months but <36 months.

Requirements

Product: Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.

Requirements

Product: No minimum opening balance or deposit required to open. No monthly maintenance or annual fees. In order to maintain an account, funding must occur within 14 days of account opening. Must maintain a minimum balance that earns at least $0.01 for interest to post. Early withdrawal penalty applies: 90 days simple interest for terms <= 24 months, 180 days simple interest for terms > 24 months.

Requirements

Product: Dividends compounded daily and paid monthly. Minimum deposit to open is $500 ($250 for DP's Kids Club or Savers Club accounts). Automatic renewal at maturity. Early withdrawal penalty / dividend forfeiture applies for principal monies withdrawn prior to maturity. No setup or maintenance fees.

Offer: Fixed rate for 24 months. Minimum deposit to open is $500 ($250 for DP's Kids Club or Savers Club members). Dividend forfeiture for principal withdrawn prior to maturity.

Requirements

Product: $500 minimum balance. Lock in a rate for a specific term. Same terms/conditions apply as with certificate accounts. Dividends are compounded daily and paid monthly. No custodial fees. Dividend forfeiture for principal monies withdrawn prior to maturity.

Offer: Fixed rate for 24 months. $500 minimum balance. Dividend forfeiture for principal monies withdrawn prior to maturity. No custodial fees.

Requirements

Product: Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.

Offer: Minimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit.

Requirements

Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.

Requirements

Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.

Offer: Fourth Qtr Dividend Rates. Rates are subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.

Requirements

Product: Must be registered for Online Banking or book an appointment to apply in person. Safe, secure savings for First Responders.

Requirements

Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.

Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.

Requirements

Product: A wide range of terms available (from 6 months to 5 years). Renews automatically upon maturity after 10-day grace period. Early withdrawals subject to penalty. Limited-time offer. Other restrictions may apply. Individual Retirement Account (IRA) CDs may be subject to additional restrictions.

Offer: Customers who qualify for both bonuses (50% new money + active checking customer opened prior to 9/1/2026) may earn up to 4.50% APY. Applicable to 12, 18, 24 Month CD only. Minimum balance to open and earn stated APY is $500.00. Base 4.00% APY + 0.35% + 0.15%.

Requirements

Product: Dividends compounded and paid quarterly. $500.00 minimum daily balance required to earn dividends. Penalty for early withdrawal.

Offer: Dividends compounded and paid quarterly. $500.00 minimum daily balance required to earn dividends. Penalty for early withdrawal.

Requirements

Product: Must have a physical address in the United States and satisfy applicable age of majority requirements. Early withdrawal penalties apply (90 days' simple interest for terms 12 months or less, 180 days' simple interest for terms greater than 12 months). Automatically renews at maturity with a 10-day grace period. No monthly maintenance fees.

Offer: Advertised Interest Rate and Annual Percentage Yield (APY) may change after maturity, applies to personal accounts only. Penalty may be charged for early withdrawal.

Requirements

Product: Membership required. Dividends compounded and credited quarterly. Penalty for early withdrawal. Rates effective as of October 1, 2026. $500 minimum deposit to open and earn APY.

Offer: Regular certificate tier.

Requirements

Product: Share Certificates terms range from 6 to 60 months. 12-month term or longer features a rate bump option. Subject to early withdrawal penalties.