Compare Bank & Credit Union Rates
Best 2-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 211–225 results
- ICCUCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: $500 minimum opening deposit. 1-time additional deposit in first 60 days. Penalty for early withdrawal. No institutional deposits. Compounding and crediting: terms less than 12 months compounded/credited at maturity; terms 12 months or greater compounded/credited quarterly.
4.18% interest rate
Rate checked
More details - WestStar Credit UnionTerm CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000intro rateRequirements
Product: Share Savings with a minimum balance and membership eligibility is required. Early withdrawals are subject to penalty. No setup or monthly maintenance fees.
Offer: Penalty may be imposed for withdrawals prior to maturity.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - CorTrust BankCertificates of Deposit (CDs)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: 91 day and 182 day CDs are compounded and paid at maturity. All other CDs are compounded and paid quarterly. Early withdrawal penalty: CDs less than or equal to one year, 30 day interest penalty; CDs greater than one year, 180 days interest penalty. Rates are variable and subject to change. Fees could reduce earnings on account.
Offer: Compounded and paid quarterly. Early withdrawal penalty: 180 days interest penalty. Rates variable and subject to change.
4.19% interest rate
Rate checked
More details - Dirigo Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Must be opened in person at a branch. Dividends based on daily balance and paid monthly. Early withdrawal penalty: 90 days of dividends for terms under 2 years; 180 days of dividends for terms 2 years and above.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - Pittsford Federal Credit UnionCertificatesCD · 24 months · $50 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Dividends compounded and credited monthly to regular share account. Early withdrawal penalty applies: lesser of dividends since issuance/renewal or 90 days dividends for terms under 24 months; lesser of dividends since issuance/renewal or 180 days dividends for terms 24 months or greater.
4.25% interest rate · Balance cap $89,999.99 · Effective Oct 7, 2026
Rate checked
More details - Trademark Federal Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,0004.17% interest rate · Effective Oct 7, 2026
Rate checked
More details - Meijer Credit UnionCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Earn higher dividends than regular share savings. Terms available from 6 to 60 months. Automatic renewal at maturity. Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Annual Percentage Yield for all CDs and IRA CDs includes a .25% bonus for Meijer Team members, Meijer retirees and current MCU members. Early withdraw penalties may apply, and may reduce earning.
4.18% interest rate · Effective Oct 7, 2026
Rate checked
More details - Cornerstone Capital BankConsumer 24 Month CDCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal.
Offer: A penalty may be imposed for early withdrawal. Daily balance is the amount of the principal in the account each day.
4.17% interest rate · Effective Oct 6, 2026
Rate checked
More details - Community Resource Credit UnionCertificates of DepositCD · 24 months · $100 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: CRCU membership required. Penalty for early withdrawal. Fees may reduce earnings. Jumbo rates are no longer offered. You may add on to your certificate at any time during the term not to exceed $10,000.00 (does not apply to IRA and HSA Certificates). Non-transferable and non-negotiable.
4.16% interest rate · Effective Sep 30, 2026
Rate checked
More details - Empeople Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Penalty for early withdrawal. For all certificates unless otherwise noted: minimum deposit of $500 required to open certificate and earn dividends. 3 Month Certificate requires a minimum deposit of $5,000.
Offer: Penalty for early withdrawal.
4.17% interest rate
Rate checked
More details - APCI Federal Credit UnionRegular CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: $500 minimum deposit required. Dividends paid or compounded monthly. Automatic renewal available. A penalty may be imposed for withdrawals made before maturity.
Offer: APY assumes dividends remain in account.
4.17% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - F&A Credit UnionCertificatesCD · 24 months · $1,000 min · 4.25%–4.35% by balance
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Must agree to receive paperless eStatements for premium rate. Early withdrawal penalty applies. Automatic renewal available. Federally insured up to $250,000.
Offer: $1,000 Minimum Deposit tier. Dividend rate 4.16%. Must agree to receive paperless eStatements.
4.16% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 4.25% $50,000 and upDividend rate 4.26%. 4.35% Rate checked
More details - OceanAir Federal Credit UnionTerm Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Must meet membership and account criteria. Early withdrawal penalties apply.
Offer: Requires Epic Premium Checking. If closed prior to maturity, rate reduces to prevailing rate as of opening date.
4.17% interest rate
Rate checked
More details - Ontario Shores FCUShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,0004.17% interest rate
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More details - VisionBankCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.25%APY$868 over 24 months on $10,000Requirements
Product: Minimum deposit amount of $1,000.00. A penalty may be imposed for early withdrawal. Daily balance method: the amount of the principal in the account each day. No monthly fees.
Offer: Early withdrawal penalty may apply. Daily balance.
4.18% interest rate · Effective Sep 24, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 2-year CDs pay nationwide
4,629 CDs at 4,048 banks and credit unions · checked Oct 16–23
- Typical
- 3.05%
- Top 10% from
- 4.06%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.25%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank