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 331–345 results
- 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 - 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 - DATCUCertificates of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000Requirements
Product: A minimum deposit of $1,000 is required to open, maintain and earn interest. You must maintain a minimum balance of $1,000 throughout the term or the CD must be redeemed. Early withdrawal penalty may be imposed.
Offer: A minimum deposit of $1,000 is required to open, maintain and earn interest. A penalty may be imposed for early withdrawal.
Effective Oct 14, 2026
Rate checked
More details - First Commonwealth Federal Credit UnionCertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000Requirements
Product: Credit union membership required. Minimum opening deposit of $500. Automatically renews to original term at current rate unless contacted prior to maturity. Early withdrawal penalties apply.
4.07% interest rate · Effective Oct 15, 2026
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 - Consumer Credit UnionCertificate AccountsCD · 24 months
Credit union · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000Requirements
Product: Terms less than 24 months have an early withdrawal penalty of 91 days. Terms 24 months and above have an early withdrawal penalty of 180 days.
Effective Oct 22, 2026
Rate checked
More details - Freedom BankCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000Requirements
Product: Minimum balance of $0.01 in the account each day to obtain APY. Interest compounded and credited monthly. Early withdrawal penalties apply. No additional deposits until maturity.
Offer: 24 Month Special. New Money Only.
4.07% interest rate · Effective Oct 7, 2026
Rate checked
More details - First Community Credit UnionRegular Certificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000Requirements
Product: Minimum opening deposit $500. Membership eligibility applies.
Offer: For balances < $100K.
Rate checked
More details - First Community Bank of HillsboroCertificate of Deposit (CD)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000Requirements
Product: Rates are accurate as of October 5, 2026. Fees may reduce earnings. Rates are subject to change without notification. Certificates of Deposit are subject to a substantial penalty for early withdrawal. Compounding and crediting frequency: Interest may be paid monthly, quarterly, semiannually, or annually by check, direct deposit into another FCB account, compounded, or at maturity if less than 1 year term. Renewal: Account will automatically renew unless otherwise specified.
Offer: **Specials: Pick Your Term
4.07% interest rate · Effective Oct 5, 2026
Rate checked
More details - Pennian BankFreedom CD SpecialCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000intro rateRequirements
Product: Freedom CD Special - Limited Time Offer. Available to consumer and commercial accounts, but not available for public funds or government/municipal accounts. Allows a one-time bump up if rates of comparable CDs increase during the initial term of the CD (customer must call or visit any office to initiate). Interest compounded monthly. Penalty for early withdrawal. Bank reserves the right to withdraw this offer at any time without notice.
Offer: 4.15% APY for 24 Month Term. Minimum to open CD and obtain APY is $1,000.00. One-time bump up if rates increase during initial term. Early withdrawal penalty. Compounded monthly. Consumer and commercial accounts only (not public/government funds).
Promotional rate · Compounded monthly · Effective Oct 5, 2026
Rate checked
More details - Embers Credit UnionCertificate of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,000Requirements
Product: Dividends are paid monthly directly into the certificate account. Minimum deposit of $1,000 required to open. Early withdrawal penalty may be up to half of the dividends that would be earned over the full term.
Offer: Dividends are paid monthly.
Rate checked
More details - Arbuckle Federal Credit UnionShare Certificates ($1,000 – $99,999)CD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.15%APY$847 over 24 months on $10,0004.08% interest rate · Balance cap $99,999 · Effective Jan 14, 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
4,628 CDs at 4,044 banks and credit unions · checked Oct 22–23
- 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