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 1126–1140 of 4,640 results
- Island Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$754 over 24 months on $10,000intro rateRequirements
Product: Minimum balance of $500 required to open and earn interest. Membership eligibility applies. Early withdrawal fee applies if funds are accessed prior to maturity. Funds roll over into the same or most similar term at maturity unless specified at account opening.
Promotional rate · 3.64% interest rate
Rate checked
More details - CADFCUShare Certificate AccountCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$754 over 24 months on $10,000with conditionsRequirements
Product: Must be a CADFCU member (open to Curtiss-Wright EMD Cheswick employees and immediate families) and maintain a minimum balance of $20 (or $50 with a loan) in another share account. Maximum total contribution of $20,000 per member across accounts.
Offer: Subject to early withdrawal penalties if closed prior to maturity.
Qualified rate · Balance cap $20,000 · Effective Jul 27, 2026
Rate checked
More details - Sonora BankCertificates of Deposit (CDs)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.70%APY$754 over 24 months on $10,000Requirements
Product: Must be of legal age to apply for a deposit.
Offer: 24 Months term. Minimum deposit to open and obtain stated APY is $1,000. Penalty for early withdrawal.
Effective Feb 2, 2026
Rate checked
More details - Texas People Federal Credit UnionStandard Share Certificate of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.70%APY$754 over 24 months on $10,0003.65% interest rate · Effective Apr 8, 2026
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More details - Southwest Research Center Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.70%APY$754 over 24 months on $10,0003.64% interest rate
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More details - DC Credit UnionRegular Share CertificatesCD · 24 months
Credit union · Add a location to see nearby branches
3.69%APY$752 over 24 months on $10,000Requirements
Product: Certificates are a low risk way to earn higher interest on savings over time. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Rate checked
More details - Nymeo Federal Credit UnionShare CertificatesCD · 24 months · $2,500 min
Credit union · Add a location to see nearby branches
3.68%APY$750 over 24 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal on certificate accounts. Fees could reduce earnings.
3.62% interest rate · Effective Oct 8, 2026
Rate checked
More details - Advancial Federal Credit UnionSavings CertificatesCD · 24 months · $1,000 min · 3.68%–3.89% by balance
Credit union · Add a location to see nearby branches
3.68%APY$750 over 24 months on $10,000Requirements
Product: Advancial membership required ($5 minimum membership share deposit). Subject to early withdrawal penalties.
3.62% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Savings Certificates Balance APY $1,000 and upYour amount 3.68% $25,000 and upJunior Jumbo tier 3.78% $50,000 and upJumbo tier 3.89% Rate checked
More details - Evergreen Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.68%APY$750 over 24 months on $10,000Requirements
Product: Early withdrawal penalties may apply based on the original term. APY assumes dividends remain in the account until maturity; paid semi-annually and at maturity. Minimum deposit amounts as low as $1,000 for adults.
Offer: Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply.
3.65% interest rate · Effective Sep 24, 2026
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More details - Erie FCUTerm Share CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.68%APY$750 over 24 months on $10,000Requirements
Product: Dividends compounded monthly. Penalty may be imposed for early withdrawal. Rates subject to change.
3.62% interest rate · Compounded monthly · Effective Sep 21, 2026
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More details - Cadets Federal Credit UnionShare CertificateCD · 24 months · $1,000 min · 3.68%–3.93% by balance
Credit union · Add a location to see nearby branches
3.68%APY$749 over 24 months on $10,000Requirements
Product: Dividends are calculated using average daily balance and are paid quarterly. Early withdrawal penalties apply (4 months for 12-18 month terms, 6 months for 2 year terms, 9 months for 3-5 year terms).
Offer: 6-Month Penalty for Early Withdrawal. Dividends calculated using average daily balance and paid quarterly.
3.63% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 3.68% $50,000 – $99,999 3.80% $100,000 – $250,000 3.93% Rate checked
More details - Encompass Niagara Federal Credit UnionRegular CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.67%APY$747 over 24 months on $10,000Requirements
Product: Minimum balance $1000. Rates subject to change without notice.
3.60% interest rate · Effective Sep 1, 2026
Rate checked
More details - Sea Air FCUShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.67%APY$747 over 24 months on $10,000Requirements
Product: Membership required ($5.00 min deposit in Share Savings Account). A penalty will or may be imposed for early withdrawal. APY assumes dividends remain on deposit until maturity.
3.60% interest rate · Effective Oct 14, 2026
Rate checked
More details - Sunlight Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.67%APY$747 over 24 months on $10,000Requirements
Product: Membership eligibility required. Early withdrawal penalties apply.
Offer: Dividends are compounded daily. Dividends are credited monthly. Early withdrawal penalty: 180 Days Interest.
3.60% interest rate · Compounded daily · Effective Oct 16, 2026
Rate checked
More details - Eureka Savings BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.67%APY$747 over 24 months on $10,000Requirements
Product: $1,000.00 minimum balance needed to open. Interest compounds daily. Funds are subject to penalty for early withdrawal.
3.60% interest rate · Effective Oct 6, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What 2-year CDs pay nationwide
4,640 CDs at 4,046 banks and credit unions · checked Oct 22–25
- Typical
- 3.06%
- Top 10% from
- 4.07%
- 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
- Popular DirectBank
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