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 871–885 results
- Texas Bay Credit UnionRegular CertificatesCD · 24–35 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APYRequirements
Product: Automatically renewing. Penalty for early withdrawals.
Offer: Dividends paid monthly.
Effective Oct 6, 2026
Rate checked
More details - Gulf Coast Educators Federal Credit UnionPremium Term Share CertificateCD · 24 months · $100 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000with conditionsRequirements
Product: Available to Premium Deposit Account holders who use at least three qualifying services (checking account, direct deposit, loans, or Visa debit card), adding 0.50% to the dividend rate. Dividends compounded and credited quarterly. Additional deposits allowed with no limit.
Offer: 2 year term. Requires Premium Deposit Account qualification.
Qualified rate · 3.75% interest rate · Effective Mar 24, 2026
Rate checked
More details - Noble Credit UnionShare CertificateCD · 24 months · $500 min · 3.75%–3.85% by balance
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Membership eligibility required. Penalty may be imposed for early withdrawal. Minimum deposit requirements apply and may vary by certificate tier.
3.69% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 3.75% $10,000 and upYour amount 3.80% $50,000 and up 3.80% $100,000 and up 3.85% $250,000 and up 3.85% Rate checked
More details - Affiliated Trades CU24 Month Share CertificateCD · 24 months · $1,000 min · 3.80%–4.01% by balance
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
Offer: Early withdrawal from certificates will be subject to a 90 day dividend penalty.
3.74% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for 24 Month Share Certificate Balance APY $1,000 and upYour amount 3.80% $25,000 and up 3.90% $50,000 and up 4.01% Rate checked
More details - Compass Community Credit UnionTerm Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Fixed rates are guaranteed for the length of the term. Early withdrawal penalties apply (90 days for terms 12 months or less; 180 days for terms greater than 12 months).
3.75% interest rate · Effective Sep 1, 2026
Rate checked
More details - Fortera Credit UnionFixed Rate CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Must be 18 or older and meet field of membership eligibility (live, work, worship, or attend school in service regions, affiliated partner, or immediate family of member) and have a Share Savings Account. No additional deposits allowed except at maturity or during grace period.
3.75% interest rate · Effective Oct 5, 2026
Rate checked
More details - Newtek BankCertificate of DepositCD · 24 months · $2,500 min
Bank · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.
3.73% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
Rate checked
More details - INOVA Federal Credit UnionCertificatesCD · 24 months · $200 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: $200 minimum deposit to open. Terms range from 30 days to 6 years. Early withdrawal penalty applies. Dividends compounded and paid monthly. Offer subject to membership eligibility.
3.74% interest rate
Rate checked
More details - INOVA Federal Credit UnionStep Up CertificatesCD · 24 months · $200 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Allows changing certificate rate one time during the term if rates go up. $200 minimum deposit to open. Penalty for early withdrawal. Dividends compounded and paid monthly.
3.74% interest rate
Rate checked
More details - Evergreen Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Membership eligibility applies (live, work, worship, or attend school in Androscoggin, Cumberland, Lincoln, Oxford, Sagadahoc, or York counties, or immediate relative of eligible member). Early withdrawal penalties apply. $500 minimum deposit to open.
Offer: Early withdrawal subject to 365 day dividends penalty.
3.73% interest rate · Effective Oct 8, 2026
Rate checked
More details - Farmers BankCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Substantial penalty is imposed on early withdrawals. APY assumes interest will remain on deposit until maturity.
3.74% interest rate · Effective Oct 16, 2026
Rate checked
More details - State BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Annual percentage yields are based on quarterly compounding. A penalty may be imposed for withdrawals before maturity (except on designated no penalty CDs). Interest compounded and credited every 3 months. Cannot make deposits into account before maturity.
Offer: No penalty for early withdrawal. Minimum of $1,000 to open and obtain APY.
3.75% interest rate
Rate checked
More details - Philadelphia Federal Credit UnionSavings CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000Requirements
Product: Early withdrawal of funds results in loss of dividend earnings; penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more.
3.73% interest rate
Rate checked
More details - Heritage Community Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000intro rateRequirements
Product: Minimum opening deposit $1,000.
Promotional rate · 3.74% interest rate · Effective Oct 14, 2026
Rate checked
More details - Logix Federal Credit UnionRegular CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.80%APY$774 over 24 months on $10,000with conditionsRequirements
Product: Logix membership required. Rates based on Relationship Rewards tier (Base, Silver, Gold, Platinum). 91-Day to 60-Month terms. $1,000 minimum opening deposit. Dividends earned daily, compounded monthly. Early withdrawal penalty applies.
Offer: Platinum Tier APY. 24-Month term. Rate bump not applicable.
Qualified rate · Compounded monthly · Effective Oct 16, 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