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 316–330 results
- Valley Credit UnionTerm Share CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.18%APY$853 over 24 months on $10,000intro rateRequirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: Certificate special. Limited time special! Penalty for early withdrawal.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - GECUPersonal Smart-Step Certificate Accounts (Variable rate)CD · 24 months · $2,500 min · 4.18%–4.28% by balance
Credit union · Add a location to see nearby branches
4.18%APY$853 over 24 months on $10,000Requirements
Product: Variable rate. Smart-Step certificate accounts offer an option to increase the dividends during each term to current rate in effect upon written request. 24-month term offers one option to increase the dividend rate during each 24-month term. Membership eligibility is required; $10 share account deposit required.
Offer: Monthly Crediting. Average daily balance requirement of $2,500. One option to increase dividend rate during 24-month term.
4.10% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Personal Smart-Step Certificate Accounts (Variable rate) Balance APY $2,500 and upYour amount 4.18% $50,000 and up24-month Jumbo. 4.28% Rate checked
More details - Connecticut State Police Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.18%APY$853 over 24 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Accounts compound monthly.
Offer: Early withdrawal penalty of 60 days dividends. Compounded monthly.
4.10% interest rate · Compounded monthly · Effective Sep 21, 2026
Rate checked
More details - Abbott Laboratories Employees Credit UnionVariable Rate CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.17%APY$851 over 24 months on $10,000Requirements
Product: Variable rate based on 13-week Treasury Bill + 0.15% (0% APY floor). Early withdrawal penalty may apply.
Offer: Variable rate based on 13-week Treasury Bill + 0.15%. Dividends paid monthly.
4.09% interest rate · Effective Oct 1, 2026
Rate checked
More details - Fort Worth City CUCertificates of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.17%APY$851 over 24 months on $10,000Requirements
Product: $1000 Minimum deposit to open. Terms from 6-Months to 60-Months. Interest can be compounded, or deposited into your shares monthly.
4.09% interest rate · Effective Oct 6, 2026
Rate checked
More details - Extra Credit UnionFixed-Rate CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.16%APY$850 over 24 months on $10,000Requirements
Product: Extra Credit Union membership required with a minimum deposit of $5 in a regular savings account. No monthly fees. Early withdrawal penalty may apply; 10-day grace period after maturity for auto-renewing certificates.
Offer: Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. 10-day grace period after maturity for auto-renewing certificates.
4.10% interest rate · Compounded quarterly · Effective Oct 16, 2026
Rate checked
More details - Horizon Credit UnionShare Certificates (CDs)CD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.16%APY$849 over 24 months on $10,000Requirements
Product: Minimum deposit of $500 required to open a certificate of deposit. Investment account for 6-month to 60-month term. Quarterly interest compounded or deposited into a share or checking account. Automatically renewable with a 10-day grace period. Early withdrawal penalty of 90 days interest for maturity 12 months or less, or 180 days interest for maturity over 12 months. $25 to start a membership account.
Offer: $500 minimum deposit required. Certificate of Deposit Rates are subject to change daily.
4.10% interest rate · Effective Oct 20, 2026
Rate checked
More details - Commercial BankPersonal Certificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.16%APY$849 over 24 months on $10,000Requirements
Product: Fixed rate paid until maturity date. Minimum opening balance of $1,000. Interest compounded and credited quarterly (credited at maturity if term is less than three months). Daily balance method used to calculate interest. Automatically renewable with a 10-day grace period for terms over 14 days, and 1-day grace period for 14-day terms. Early withdrawal penalty applies: 1 month of interest for terms 14-90 days, 3 months of interest for terms 91 days to 1 year, and 6 months of interest for terms greater than 1 year.
Offer: Oasis Specials CD. Term: 24 Month.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - New Albin Savings BankCertificates of DepositCD · 24 months · $1,000 min · 4.16%–4.27% by balance
Bank · Add a location to see nearby branches
4.16%APY$849 over 24 months on $10,000Requirements
Product: Available terms range from 3 months to 5 years. Minimum balance to open a certificate is $1,000. Interest compounded and credited quarterly, semi-annually, or annually. Penalty for early withdrawal. APY based on quarterly compounding.
Offer: Penalty for early withdrawal. APY based on quarterly compounding.
4.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 4.16% $100,000 and up 4.27% Rate checked
More details - Security First BankTraditional Time Deposit AccountsCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.16%APY$849 over 24 months on $10,000Requirements
Offer: Interest cannot remain on deposit; payout of interest is mandatory. Early withdrawal penalty applies.
Effective Oct 5, 2026
Rate checked
More details - TLC Community Credit UnionRegular CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.16%APY$849 over 24 months on $10,000with conditionsRequirements
Product: 365 day penalty for early withdrawal. $1,000 minimum deposit to open and earn the stated APY.
Qualified rate · 4.10% interest rate · Effective Sep 24, 2026
Rate checked
More details - The FNB Community BankCertificates of Deposit (CDs)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.16%APY$849 over 24 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal. The minimum balance required to open the account and to obtain the disclosed APY is $1,000.00. Fees could reduce earnings on the account. Interest is calculated quarterly. CD terms 12 months and greater are based on compounding interest and automatically renew at maturity.
Offer: Term: 24 months. Penalty may be imposed for early withdrawal. Based on compounding interest and automatically renews at maturity.
4.10% interest rate · Effective Jul 15, 2026
Rate checked
More details - Artesia Credit UnionShare CertificatesCD · 24 months · $5,000 min
Credit union · Add a location to see nearby branches
4.16%APY$849 over 24 months on $10,000Requirements
Product: Dividends are compounded daily and applied quarterly. $5,000.00 minimum deposit. Early withdrawal penalty: 90 days. Certificates which are automatically renewed will receive the rate in effect on the renewal date. Fees could reduce earnings.
Offer: Early withdrawal penalty: 90 days.
4.10% interest rate · Compounded daily · Effective Apr 1, 2025
Rate checked
More details - R-G Federal Credit UnionTerm Share AccountCD · 24 months · $500 min · 3.90%–4.15% by balance
Credit union · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000intro rateRequirements
Product: Membership eligibility required. Early withdrawal penalties may apply. Term Share Accounts pay dividends quarterly. Automatically renews at current 6-month term unless specified.
Offer: Limited-time special. New money only; existing RGFCU deposits are not eligible. Dividends paid quarterly. Automatically renews at a 6-month term unless specified. Early withdrawal penalties may apply. Membership eligibility required.
Promotional rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Term Share Account Balance APY Any balance 3.90% $500 – $250,000Your amountEarly withdrawal penalty may apply. Automatically renews at then current 6-month term unless specified. 4.15% Rate checked
More details - Meadowland Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000Requirements
Product: Early withdrawal penalties are: 90 days for a certificate less than 1 year in maturity, 180 days for a certificate with a maturity of 1 year to 3 years, 365 days for a certificate with a maturity of 4 years or greater. Dividends earned daily and paid quarterly.
4.09% interest rate · Effective Oct 22, 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