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 811–825 results
- Colorado Credit UnionCertificates of DepositCD · 24 months · $500 min · 3.85%–3.95% by balance
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account. Membership required.
Offer: Penalty may be imposed for early withdrawal, and fees may reduce earnings on the account.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $100,000Your amount 3.85% $100,000 and up 3.95% Rate checked
More details - Canvas Credit UnionCertificates of Deposit (CDs)CD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000intro rateRequirements
Product: Canvas Credit Union membership required. Minimum $1,000 to open and $1,000 minimum balance to earn interest. Dividends credited and compounded monthly.
Promotional rate · Compounded monthly
Rate checked
More details - 3.85%APY$785 over 24 months on $10,000
Requirements
Product: Minimum balance required to open and obtain the stated APY. Rates and APYs are subject to change at any time after account opening. Early withdrawal penalties may apply.
Offer: Compounded quarterly. Early withdrawal penalties may apply.
Compounded quarterly · Effective Oct 1, 2026
Rate checked
More details - Police Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000intro rateRequirements
Product: Start for as little as $500. Flexible terms from 6 to 60 months. Dividends compound monthly. Federally insured up to $250,000.
Promotional rate · 3.78% interest rate
Rate checked
More details - TruChoice Federal Credit UnionShare CertificatesCD · 24 months · $2,500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Must become a member of TruChoice with a $25 deposit. Fixed rates. Monthly compounding and crediting. Additional deposits are not allowed. Dividend withdrawal allowed. Automatic renewal with 10-day grace period. Early withdrawal penalty may apply.
3.78% interest rate · Effective Oct 1, 2026
Rate checked
More details - Farm Bureau BankCertificate of Deposit [CD]CD · 24 months · $1,000 min · 3.85%–3.95% by balance
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Interest is compounded daily and paid monthly. Early withdrawal penalties apply and may reduce earnings. Only withdrawals of interest credited are allowed prior to maturity. Automatically renewed at the current rate for the same term.
3.78% interest rate · Compounded daily
Rate by balance
Rate by balance for Certificate of Deposit [CD] Balance APY $1,000 – $49,999Your amount 3.85% $50,000 and upJumbo CD tier. 3.95% Rate checked
More details - Community Savings BankCertificates of DepositCD · 24 months · $5,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Fixed interest rate; no additional deposits can be made until maturity. Early withdrawal penalty equals one half of the term's interest. Automatically renews at the current rate paid on the particular term. Grace period is 7 days for terms 3 to 12 months, and 10 days for terms over 12 months.
Offer: Compounded daily.
3.78% interest rate · Compounded daily · Effective Feb 18, 2025
Rate checked
More details - Richmond Heritage Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Dividends are compounded and credited quarterly.
3.78% interest rate · Effective Sep 1, 2026
Rate checked
More details - Norfolk Community Federal Credit UnionShare CertificatesCD · 24 months · $2,500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Invest as little as $2,500. Penalty for early withdrawals: 6 months – 2 months dividend, 12 months – 3 months dividend, 24 months – 6 months dividend.
Offer: Dividend is paid at anniversary and then at maturity for 24 months. Early withdrawal penalty: 6 months dividend.
Rate checked
More details - Exchange Bank and Trust CompanyCertificate of DepositCD · 24 months · $1,000 min · 3.85%–4.06% by balance
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Certificates purchased are subject to interest penalties if withdrawn prior to maturity. Rates subject to change without notice.
3.80% interest rate · Effective Aug 4, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $24,999Your amount 3.85% $25,000 – $99,999 3.96% $100,000 and up 4.06% Rate checked
More details - Peninsula Federal Credit UnionJump Rate CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000intro rateRequirements
Product: Allows opting into a new rate once per certificate term through online banking, mobile app, or by contacting the Credit Union if rates increase within the certificate's term. Early withdrawal penalties apply.
Promotional rate · Effective Sep 3, 2026
Rate checked
More details - 3.85%APY$785 over 24 months on $10,000
Requirements
Product: Effective June 1, 2026
3.80% interest rate · Effective Jun 1, 2026
Rate checked
More details - Toro FCUSTEP-UP CERTIFICATESCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000intro ratePromotional rate · 3.80% interest rate · Effective Jun 1, 2026
Rate checked
More details - Sentry BankCertificate SpecialsCD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000intro rateRequirements
Product: Limited time offer. Not valid with any other offers. Fixed for the initial term, automatically renews upon maturity. Penalty for early withdrawal. $5,000.00 of the funds must be new to Sentry Bank.
Offer: $5,000.00 of the funds must be new to Sentry Bank. Penalty for early withdrawal.
Promotional rate · Effective May 27, 2026
Rate checked
More details - NDBTCertificate of Deposit (CD)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.85%APY$785 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply. Earnings can be added to CD or paid directly. FDIC insured.
3.80% interest rate · Effective Jul 2, 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 4,045 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