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 91–105 results
- TEXAR Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Penalty for early withdrawal on term share certificates. Fees may reduce earnings on the account. Membership required.
4.31% interest rate · Effective Oct 3, 2026
Rate checked
More details - Cornerstone Credit UnionCertificate of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Deposits are federally insured up to $250,000 by the NCUA with an additional $250,000 private insurance by ESI ($500,000 total). Penalties apply for early withdrawals.
Offer: 24-Month term. Dividends compounded daily and paid quarterly unless otherwise paid. Penalty for early withdrawals on original deposit amount.
Compounded daily · Effective Oct 1, 2026
Rate checked
More details - SJP Federal Credit UnionCertificate of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Certificate rates are fixed for the term. Dividends on Certificates are paid at maturity, and the APY assumes dividends remain on deposit until maturity. Partial withdrawals are not permitted and accounts must be closed to access funds prior to maturity, subject to an early withdrawal penalty equal to one-half of the interest that would have been earned through maturity.
Offer: Fixed rate for term. Dividends paid at maturity. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - Marcus by Goldman SachsHigh-Yield CDCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: $500 minimum balance/opening deposit. Fixed rate until maturity. Early withdrawal penalty applies to withdrawal of principal prior to maturity (90 days interest for <= 1 year, 180 days interest for > 1 to 5 years, 270 days interest for > 5 years). 10-Day CD Rate Guarantee applies. Maximum balance limits apply. Additional deposits allowed within first 30 days after opening.
Offer: $500 minimum deposit to open and earn stated APY. Early withdrawal penalty applies. Maximum balance limits apply.
Effective Oct 5, 2026
Rate checked
More details - Rhinebeck BankCertificate of DepositCD · 24 months · $2,000 min
Bank · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000intro rateRequirements
Product: $2,000 minimum deposit to open a Certificate of Deposit (CD) account. A penalty may be imposed for early withdrawal. To obtain APY, all interest and principal must be left on deposit for full term. Fees may reduce earnings. Interest posted monthly and available for withdrawal. The 7-month, 13-month, 18-month and 2-year CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Standard FDIC insurance up to $250,000 per depositor.
Offer: Promotional CD rate.
Promotional rate · 4.31% interest rate · Effective Oct 5, 2026
Rate checked
More details - Dow Credit UnionSimple CDsCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Starting minimum deposit of $500. Not eligible for the potential year-end Member Saver Reward. Rates effective 10/01/2026. Terms: 3, 6, 12, 13, 18, 24, 36, 48, 60 months.
Offer: Term: 24 Months
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - Landmark Credit UnionCertificate AccountCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Personal accounts only. Minimum balance to open is $500. Early certificate withdrawal penalties apply (90 days of dividends for terms under 1 year; 180 days of dividends for all other terms). Financial institutions and public funds are ineligible.
Offer: Personal accounts only. Penalty for early withdrawal.
4.31% interest rate · Effective Oct 1, 2026
Rate checked
More details - Georgia Heritage Federal Credit Union3-Step Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000intro rateRequirements
Product: With a 24-month term. Dividends paid monthly. Step 1: Bump up dividend rate once during term. Step 2: Add up to two deposits any time during term ($500 minimum add-on deposit). Step 3: Withdraw up to 50% of initial opening deposit once without penalty after the first 7 days. Minimum opening deposit $500 to $100,000.
Offer: Early withdrawal penalty: 180 Days; member may withdraw up to 50% of initial deposit after the first 7 days without penalty once during the term of the certificate.
Promotional rate · 4.31% interest rate · Balance cap $100,000
Rate checked
More details - Federal Employees CUCertificates of Deposit "Regular"CD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
Offer: Early withdrawal penalty of 90 days interest. Interest is simple and will be paid at maturity. Rates are subject to change daily.
4.40% interest rate
Rate checked
More details - Congressional Federal Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000intro rateRequirements
Product: Congressional Federal Credit Union membership required. Fixed rate certificate; your rate stays the same for the entire term. Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal.
Offer: Special Rate / Promotional rate. Requires opening with at least $1,000 in new money (funds not currently on deposit at Congressional Federal Credit Union). Existing certificates renewing at maturity qualify only if the new money minimum is met at renewal.
Promotional rate · Effective Aug 3, 2026
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More details - Maine Family Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Dividends accrued daily and compounded monthly. Penalty for early withdrawal: less than 24 months duration is 90 days dividends; 24 months or more duration is 180 days interest. Automatically renews with 7-day grace period. Wisdom Program members (age 60+) receive a 0.10% APY bonus.
4.31% interest rate · Compounded monthly · Effective Sep 30, 2026
Rate checked
More details - Chivaho Federal Credit UnionCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.40%APY$899 over 24 months on $10,000Requirements
Product: Minimum deposit of $500.00. Dividends are paid monthly. Terms ranging from 6 to 60 months.
Offer: Minimum $500.00; Dividends paid monthly
4.31% interest rate
Rate checked
More details - Grant County BankCertificates of Deposit (CDs)CD · 24 months · $100 min · 4.39%–4.49% by balance
Bank · Add a location to see nearby branches
4.39%APY$897 over 24 months on $10,000Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Interest rate and APY may change after account opening.
4.34% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Up to $100,000Your amount 4.39% $100,000 and up 4.49% Rate checked
More details - Library of Congress Federal Credit UnionMonthly Dividend CertificateCD · 24 months · $5,000 min
Credit union · Add a location to see nearby branches
4.39%APY$897 over 24 months on $10,000Requirements
Product: $5,000 minimum deposit/balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded monthly. Dividends earned monthly are automatically transferred or mailed.
Offer: Paid and compounded monthly
4.30% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 24 months · $10,000 min
Credit union · Add a location to see nearby branches
4.37%APY$893 over 24 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available once during term on 24, 36, 48, and 60 months. Child CDs for members under age 18 may be opened with a minimum of $100.
Offer: Jumbo
4.30% interest rate
Rate checked
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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
4,630 CDs at 4,053 banks and credit unions · checked Oct 15–22
- Typical
- 3.05%
- Top 10% from
- 4.05%
- 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