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 151–165 results
- Franklin Mint Federal Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Membership eligibility applies. Minimum deposit is $500 for consumers and $250 for members under 18. Penalty may be imposed for early withdrawal.
Offer: Two-year term and rate only available on personal certificates. Minimum deposit is $250 for members under age 18. Penalty may be imposed for early withdrawal.
4.21% interest rate · Effective Oct 1, 2026
Rate checked
More details - Sun Federal Credit UnionRegular 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: Fixed rates compounded monthly. Funds can be withdrawn for a down payment on a SFCU loan without penalty. Penalty may be imposed for early withdrawal.
4.22% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - Luana Savings BankCertificate of Deposit (CD)CD · 24 months · $2,000 min · 4.30%–4.45% by balance
Bank · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Open online nationwide or at any branch. $2,000 minimum opening deposit (excludes Kid's CD). No setup or maintenance fees.
4.25% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $2,000 – $100,000Your amount 4.30% $100,000 and up 4.45% Rate checked
More details - Iowa State BankCertificates of DepositCD · 24 months · $5,000 min
Bank · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000intro rateRequirements
Product: A substantial penalty may be imposed for early withdrawal from any of the above certificates of deposit investments. A 10-day grace period is provided upon maturity of the Certificate of Deposit to make changes or withdrawals without penalty. Fees may reduce earnings.
Offer: CD Special. Limited Time Only. Compound frequency: Semi Annual. A substantial penalty may be imposed for early withdrawal.
Promotional rate · 4.25% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.30%APY$878 over 24 months on $10,000
Requirements
Product: Annual Percentage Yield is based on principal plus interest reinvested at the same interest rate with interest compounded quarterly unless otherwise stated at account opening. Substantial penalty for early withdrawal. Interest rates and annual percentage yield posted here are subject to change without notice at our discretion. Interest rate may also change at time of CD renewal.
4.30% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - Mid-America BankCertificate of Deposit (CD)CD · 24 months · $500 min · 4.30%–4.55% by balance
Bank · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Tiered rates; special/jumbo rate available for certificate balances $250,000 & above when additional qualifications are met.
Offer: Standard rate; 24 Month CD
4.25% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY Any balanceYour amount 4.30% $250,000 and up 4.55% Rate checked
More details - Archer Cooperative Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,0004.23% interest rate · Effective Oct 15, 2026
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More details - Logan Medical Federal Credit UnionShare CertificatesCD · 24 months
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,0004.22% interest rate · Effective Oct 10, 2026
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More details - NASA 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 $10,000Requirements
Product: Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions
Offer: Annual Percentage Yield effective October 1, 2026. $1,000 minimum opening balance. One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term to a 24-month rate offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at the time of renewal unless otherwise directed. Credit Union reserves the right to limit deposits into this special certificate. This limited-time offer is subject to change at any time without notice.
4.22% interest rate · Effective Oct 1, 2026
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More details - NHFCUShare Certificate of DepositCD · 24 months · $5,000 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000intro rateRequirements
Offer: Promotional rate requires a $5,000 minimum new deposit. 180 day interest early withdrawal penalty applies.
Promotional rate
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More details - San Diego Firefighters Federal Credit UnionShare CertificateCD · 24 months · $2,000 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Membership in SDFFCU is limited to employed or retired firefighters and Fire Department personnel permanently assigned to any Fire Department located within San Diego County, immediate family, and employees/members of Firefighter Related Organizations. Automatic renewal at maturity with a 7-day grace period.
4.23% interest rate
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More details - Planites Credit UnionInvestment CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,0004.23% interest rate · Effective Oct 1, 2026
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More details - Blaze Credit UnionPremium CertificateCD · 24 months · $10,000 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Minimum opening deposit of $10,000. Additional deposits not allowed. Early withdrawal penalty of 30 days dividends. Automatically renews with a 14 calendar day grace period.
Offer: Dividends compounded/credited quarterly & at maturity. Includes 24 Month Step-Up option allowing exchange of dividend rate once per term.
4.23% interest rate · Effective Sep 28, 2026
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More details - American Bank & TrustCertificate of Deposits (CDs)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Interest compounds semi-annually. Early withdrawal penalty may be imposed. No monthly fees. Bonus interest rates available with Relationship Packaging. Automatically renewable.
Offer: Requires Platinum Relationship Package Qualifications.
Effective Oct 5, 2026
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More details - Winchester Co-operative BankTerm Deposit Certificates (TDC)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account.
Offer: 24 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00.
4.22% interest rate · Effective Oct 1, 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