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 1216–1230 of 4,640 results
- Toledo Urban Federal Credit UnionShare CertificateCD · 24 months · $250 min
Credit union · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,0003.55% interest rate
Rate checked
More details - Infuze Credit UnionShare CertificatesCD · 24 months · $500 min · 3.56%–3.66% by balance
Credit union · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,000Requirements
Product: Personal accounts only. Minimum opening balance to earn APY is $500 for standard share certificates. Early withdrawal penalties apply. Rates not available on IRA certificates. Automatically renews at maturity with a 10-day grace period. Membership required.
3.50% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $9,999 3.56% $10,000 – $24,999Your amount 3.61% $25,000 and up 3.66% Rate checked
More details - Neighbors Federal Credit UnionShare CertificatesCD · 24 months · $1,500 min
Credit union · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,000Requirements
Product: Minimum deposit of $1,500 required to open an account. Funds cannot be added after opening until maturity. Early withdrawals are subject to penalty. At maturity, funds may be automatically renewed or paid to a designated account.
3.55% interest rate · Effective Oct 5, 2026
Rate checked
More details - GSL Savings BankCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,000Requirements
Product: Interest is compounded continuously and credited monthly. To obtain the APY, a minimum balance of $500.00 must be maintained each day. No additional deposits may be made into your account until the maturity date. Early withdrawal penalties may apply.
3.50% interest rate · Effective Sep 30, 2026
Rate checked
More details - Air Academy Credit UnionCertificatesCD · 24–29 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APYRequirements
Product: A minimum balance of $500.00 is required to open and earn dividends on Certificate Accounts or an IRA Certificate. Early withdrawal penalties may apply. Dividends begin accruing when account opening documentation has been completed (signed and received by AACU) and account has been funded.
Offer: Early withdrawal penalties may apply.
3.55% interest rate · Effective Oct 4, 2026
Rate checked
More details - Horizon Credit Union24 Month CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,000Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
3.55% interest rate · Effective Sep 28, 2026
Rate checked
More details - Peake Federal Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,0003.55% interest rate
Rate checked
More details - Complex Community Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,000Requirements
Product: Minimum deposit $500, Jumbo $90,000. A 90 day dividends penalty will be imposed for early principal withdrawal. Rate subject to change without notice.
Offer: Members Advantage. A 90 day dividends penalty will be imposed for early principal withdrawal.
3.55% interest rate · Effective Jan 1, 2025
Rate checked
More details - 3.61%APY$735 over 24 months on $10,000
3.55% interest rate · Effective Jul 29, 2025
Rate checked
More details - St. Pat's Employees FCUTerm Share CertificatesCD · 24 months · $1,000 min · 3.61%–3.87% by balance
Credit union · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,000Requirements
Product: Fixed-rate certificate. Dividends compounded and credited monthly using the daily balance method. Must maintain minimum daily balance equal to original principal. No additions or partial withdrawals permitted prior to maturity; early withdrawal penalty of 90 days interest applies (may result in loss of principal if within 90 days of opening). Does not automatically renew; funds transfer to regular share account at maturity.
Offer: APY printed as 3.3.61% in source schedule; early withdrawal penalty is 90 days interest.
3.55% interest rate · Effective Feb 4, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 and upYour amount 3.61%* $100,000 and upEarly withdrawal penalty is 90 days interest. 3.87% Rate checked
More details - High Desert Community Credit UnionCertificate of DepositCD · 24 months
Credit union · Add a location to see nearby branches
3.61%APY$735 over 24 months on $10,0003.55% interest rate · Effective Oct 17, 2025
Rate checked
More details - Corrections Federal Credit UnionShare Certificate (Certificate of Deposit)CD · 3–36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APYRequirements
Product: Certificates earn dividends at higher rates than share savings accounts and money market accounts, but require funds to be locked in for a predetermined maturity period. Dividends are paid at maturity.
Offer: APY is stated as 'as high as 3.60%'. Terms offered range from 3 months to 36 months with a minimum deposit of $1,000. Dividends paid at maturity.
Effective Nov 8, 2024
Rate checked
More details - 5Point Credit UnionShare CertificatesCD · 24 months · $1,000 min · 3.60%–3.80% by balance
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawals. Fees could reduce earnings on this account.
Offer: Tier 1
3.54% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 and upYour amount 3.60% $50,000 and upTier 2 3.70% $99,000 and upTier 3 3.80% Rate checked
More details - Clay County State BankCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal for Certificate of Deposit holders. Fees may reduce earnings. APY if interest paid at maturity
Offer: Minimum to Avoid Fees is $500.
3.60% interest rate · Effective Oct 20, 2026
Rate checked
More details - CEFCUCertificate AccountsCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Minimum to open $1,000. Dividends compounded and credited monthly. Early withdrawal penalties may apply. Rates subject to change daily.
3.54% interest rate · Effective Oct 21, 2026
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
* 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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