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 136–150 results
- Central Missouri Community Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$885 over 24 months on $10,000Requirements
Product: Interest compounded monthly. Terms from 3 to 60 months. Dividends based on average daily balance and compounded & credited monthly. Accounts automatically renew (with the exception of certificate specials, which are non-renewable) for another term at maturity, with a grace period of 10 days after maturity. Early withdrawal penalty applies: terms up to 12 months incur $25 plus 31 days' dividends; terms 18 months and over incur $25 plus 90 days' dividends. Interest rates and annual percentage yield may change every calendar month based on Board of Directors determination.
4.25% interest rate · Compounded monthly · Effective Oct 15, 2026
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More details - Red River Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.32%APY$883 over 24 months on $10,000Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded quarterly.
4.25% interest rate · Compounded quarterly · Effective Oct 7, 2026
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More details - Educational Community Alliance CUShare CertificateCD · 24 months
Credit union · Add a location to see nearby branches
4.32%APY$883 over 24 months on $10,000Requirements
Product: Membership required ($5.00 par value / 1 share). Dividends compounded and credited per schedule and calculated by daily balance method. Penalty may apply for early withdrawal.
4.25% interest rate · Effective Dec 31, 2024
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More details - PSE Credit UnionCertificates of Deposit (CDs)CD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.32%APY$883 over 24 months on $10,000Requirements
Product: Rates remain fixed for the term of the certificate. Dividends are compounded quarterly. Early withdrawal penalties apply.
Offer: Fixed rate. Dividends compounded quarterly. Early withdrawal penalties apply.
4.25% interest rate · Compounded quarterly · Effective Oct 9, 2026
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More details - First Independent Bank, MinnesotaCD (Certificate of Deposit) AccountCD · 24 months · $5,000 min
Bank · Add a location to see nearby branches
4.32%APY$883 over 24 months on $10,000intro rateRequirements
Offer: Fixed rate. Renews to 12-Month Fixed term.
Promotional rate · 4.25% interest rate · Effective Oct 9, 2026
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More details - The Seymour BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.32%APY$883 over 24 months on $10,000Requirements
Product: FDIC insured fixed rate investment. A substantial penalty for early withdrawal will be imposed.
4.25% interest rate · Effective Oct 1, 2026
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More details - Minnesota Valley Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.32%APY$883 over 24 months on $10,000Requirements
Product: Early withdrawal penalties exist: 3-12 months penalty is 90 days dividend; over 12-29 months penalty is 180 days dividend; 30 months or greater penalty is 270 days dividend. Fees may reduce earnings.
Offer: Dividends compound quarterly. Early withdrawal penalty of 180 days dividend applies.
4.25% interest rate · Effective Sep 22, 2026
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More details - Library of Congress Federal Credit UnionShare CertificateCD · 24–35 months · $500 min
Credit union · Add a location to see nearby branches
4.32%APYRequirements
Product: $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. Early withdrawal penalty applies. Can be used as security for a LCFCU loan.
Offer: Compounded quarterly
4.25% interest rate · Compounded quarterly · Effective Oct 1, 2026
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More details - TLC Community Credit UnionRegular CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.32%APY$883 over 24 months on $10,000with conditionsRequirements
Product: 365 day penalty for early withdrawal. $1,000 minimum deposit to open and earn the stated APY.
Offer: Platinum Member Special. Requires TLC Platinum Membership (using 3 of 4 services: Checking, Debit Card, Online Banking, Direct Deposit).
Qualified rate · 4.25% interest rate · Effective Sep 24, 2026
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More details - Holley Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.32%APY$883 over 24 months on $10,000Requirements
Product: Minimum of $1,000 to open. Subject to early withdrawal penalty. All certificates compound quarterly.
Offer: Early withdrawal penalty applies. Compounds quarterly.
4.25% interest rate · Effective Sep 21, 2026
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More details - Cleveland Selfreliance Federal Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.31%APY$881 over 24 months on $10,000Requirements
Product: Rates subject to change without notice.
4.25% interest rate
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More details - BrightStar Credit UnionCertificatesCD · 12–24 months
Credit union · Add a location to see nearby branches
4.30%APYwith conditionsRequirements
Product: Rate is fixed for the term. Daily balance method; interest compounded and credited monthly. Auto-renews at maturity with 10-day grace period. Early withdrawal penalty applies (90 days of interest for CDs under 1 year, 180 days for CDs of 1 year or more). PSM (Platinum Star Member) higher rate available with qualifying direct deposit.
Offer: Term: 1 year (365-730 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.22% interest rate · Effective Oct 15, 2026
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More details - Miami Firefighters Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,0004.21% interest rate · Effective Oct 22, 2026
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More details - 4.30%APY$878 over 24 months on $10,000
Effective Oct 22, 2026
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More details - Members First Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Potential members must qualify for membership: live in Box Elder or Cache County, have an immediate family member with an account, or work at a Select Employee Group (SEG). If opting for the one-time bump option, original CD rate will be 0.25% lower than stated. Dividends pay quarterly. Penalties for early withdrawal may apply.
Offer: Dividend pays quarterly. Optional one-time bump option reduces original CD rate by 0.25%. Early withdrawal penalty may apply.
Effective Oct 19, 2026
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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
4,629 CDs at 4,048 banks and credit unions · checked Oct 16–23
- 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