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 496–510 results
- Bank of UtahCertificates of Deposit (CDs)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Must be 18 years of age or older. Daily balance method used to calculate interest. Interest compounded and credited quarterly on terms of 1 year or more, and at maturity on terms of less than 1 year. Early withdrawal penalty applies.
Offer: 2 Years term. Open online or in branch.
3.99% interest rate · Effective Oct 21, 2026
Rate checked
More details - Aspire Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000intro rateRequirements
Product: Membership required. Insured by NCUA.
Offer: Early withdrawal penalty applies (terms of 13 months or longer: 120 days' dividends).
Promotional rate · 3.99% interest rate · Effective Oct 15, 2026
Rate checked
More details - FirstLight Federal Credit UnionShare CertificateCD · 24 months · $500 min · 4.05%–4.15% by balance
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Membership eligibility applies. Federally insured by NCUA. Rates subject to change without notice. Early withdrawal penalties apply. Fees may reduce earnings.
3.98% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $24,999Your amount 4.05% $25,000 – $99,999 4.09% $100,000 and upLimited-time promotion on a 2-year share certificate with a $100,000 minimum deposit. 4.15% Rate checked
More details - Franklin Mint Federal Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.
Offer: 24 Month Bump Certificate. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal.
3.97% interest rate · Effective Oct 1, 2026
Rate checked
More details - Cinfed Credit UnionStandard CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Minimum $500 deposit for standard certificates. Early withdrawals subject to penalty. Jumbo Rate Bonus: Enjoy a 0.15% (15 basis points) bonus on certificates with a balance of $50,000 or greater for 24 months and longer terms.
3.97% interest rate
Rate checked
More details - Treadwell Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
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.
Effective Oct 16, 2026
Rate checked
More details - Pathway BankCD (Certificate of Deposit)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Interest compounded quarterly unless otherwise stated. Substantial Penalty for Early Withdrawal. Fees could reduce the earnings on the account. Rate and APY are fixed for the term of the CD.
Offer: Minimum deposit to open and earn APY is $1,000.00.
3.99% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - Jones BankCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Minimum deposit of $500. Interest rates set weekly and calculated on a 365-day year. On 182-day and 9 to 60 month certificates, interest can be compounded quarterly or paid by check or direct deposit. Automatically renewable with a 10-day grace period after maturity. Early withdrawal penalty applies based on original maturity term.
Offer: 24 Month – Special
3.99% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - Clarity Credit UnionShare CertificatesCD · 24 months · $250 min
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Fixed rates; higher rates for longer terms; no setup or maintenance fees; early withdrawal subject to penalty; renews automatically upon maturity after 10-day grace period; available terms range from 6 months to 2 years.
Offer: Dividend Term: Monthly. Penalty for early withdrawal.
3.98% interest rate · Effective Sep 14, 2026
Rate checked
More details - Cherokee State BankCDs (Certificates of Deposit)CD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: No maintenance fees. FDIC insured fixed rates. Penalties apply for early withdrawal. Minimum balances vary based on term. Renews automatically at interest rate in effect at time of maturity, with 10 days to redeem before locked in. Promotional CDs excluded from standard renewal terms.
Offer: 24 month special. After maturity, rolls into the 24-month term earning rate in effect at that time. Not valid with any other promotional offers.
3.99% interest rate · Effective Aug 3, 2026
Rate checked
More details - IH Mississippi Valley Credit UnionCDsCD · 24 months · $250 min
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: $250 deposit required to open this account. $250 min. average daily balance required to earn dividends. There may be a penalty for early withdrawal. Dividends compounded monthly. Insured up to $250,000 by NCUA.
3.98% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 4.05%APY$826 over 24 months on $10,000intro rate
Requirements
Product: Rates subject to change at any time.
Promotional rate · Effective Jul 1, 2026
Rate checked
More details - Bridge Credit UnionSecond Chance CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Option to bump up rate (one time for certificates under 24 months and twice for certificate over 24 months) requires contacting Bridge before the original certificate maturity date. Bump rate must be of the equal term of the original certificate.
Offer: To receive ConnectMORE APY, member must be in the ConnectMORE Royal Rewards program.
Rate checked
More details - Superior Credit UnionRegular Share CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Minimum balance to open share certificate is $1,000.00. Dividends compounded quarterly. 90-day penalty for early withdrawal for terms 3-12 months; 180-day penalty for terms 18-60 months.
Offer: Dividends compounded quarterly. 180-day penalty for early withdrawal.
3.99% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Washington State BankCD SpecialsCD · 24 months · $500 min · 4.05%–4.25% by balance
Bank · Add a location to see nearby branches
4.05%APY$826 over 24 months on $10,000Requirements
Product: Quarterly compounding. Penalty will be imposed for early withdrawal.
Offer: Quarterly compounding. Early withdrawal penalty applies.
3.99% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for CD Specials Balance APY $500 – $125,000Your amount 4.05% $125,000 – $225,000 4.15% $225,000 and up 4.25% 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 4,045 banks and credit unions · checked Oct 22–24
- 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