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 166–180 results
- State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 24 months · $250 min
Credit union · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.
Offer: Interest payout is mandatory and must transfer monthly to another SECU deposit account.
4.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - Prime Alliance BankCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.30%APY$878 over 24 months on $10,000Requirements
Product: Fixed rate until maturity/renewal. Interest is compounded and paid monthly. Minimum balance of $500 required to open and obtain APY. Early withdrawal penalty applies.
4.22% interest rate
Rate checked
More details - VacationLand 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 required with a minimum deposit of $5 in a savings account. Penalty may be imposed for early withdrawal.
Effective Sep 22, 2026
Rate checked
More details - New Heights Federal Credit UnionShare 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: Promo Rate ($5,000 Min. New Deposit)
Promotional rate · Effective Jun 17, 2025
Rate checked
More details - ZIA CUShare CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.29%APY$876 over 24 months on $10,000Requirements
Product: Fixed rates. Minimum deposit $1,000. Early withdrawal penalty applies. ZAP loyalty rewards can increase certificate rates by up to 0.50% APY (0.10% per qualifying product/service).
Offer: 24 Months term. Balance $1,000 & Greater tier.
4.20% interest rate · Effective Sep 1, 2026
Rate checked
More details - McCoy Federal Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.28%APY$875 over 24 months on $10,000Requirements
Product: $1,000 minimum deposit required to open. Early withdrawal penalty applies. Rates subject to change without notice.
4.20% interest rate · Effective Sep 23, 2026
Rate checked
More details - GECUPersonal Certificate Accounts (Fixed rate)CD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.28%APY$874 over 24 months on $10,000Requirements
Product: Membership eligibility is required. Must have a GECU share account ($10 deposit) to open a certificate account. Dividends are accurate as of October 14, 2026. Early-withdrawal penalties apply.
Offer: Monthly Crediting. Average daily balance requirement of $1,000.
4.20% interest rate · Effective Oct 14, 2026
Rate checked
More details - Freedom Credit UnionCertificate AccountCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.28%APY$874 over 24 months on $10,000Requirements
Product: Membership in Freedom Credit Union required ($5 minimum savings account balance). Minimum deposit of $500 ($250 for Youth CD - 25 or younger). Early withdrawal penalty applies. Dividends calculated by actual daily balance method and paid monthly.
Offer: $250 minimum opening deposit for Youth CD (25 or younger).
4.20% interest rate · Effective Oct 7, 2026
Rate checked
More details - Putnam County State BankCertificates of DepositCD · 24–35 months · $500 min · 2.79%–4.39% by balance
Bank · Add a location to see nearby branches
4.28%APYRequirements
Product: Substantial penalties apply for early withdrawals. Interest accrued monthly for optimal yield.
2.75% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 2.79% $10,000 – $100,000Your amount 4.28% $100,000 and up 4.39% Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.27%APY$872 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 on regular and children's certificates with terms of 24, 36, 48, and 60 months (once during term). Child CDs for members under 18 may be opened with a minimum of $100.
4.20% interest rate
Rate checked
More details - Bank of the Flint HillsCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.27%APY$872 over 24 months on $10,000Requirements
Product: $500 opening deposit. Automatically renews at maturity. 10 day grace period for changes or withdrawals. Early withdrawal penalty applies. Interest compounded and credited quarterly.
Offer: $500 minimum balance required to obtain APY. Early withdrawal penalty equals six months interest. Automatically renews.
4.20% interest rate · Effective Oct 13, 2026
Rate checked
More details - Brainerd BN Credit UnionCertificates of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.27%APY$872 over 24 months on $10,000Requirements
Product: All accounts provided by BBNCU are insured with the NCUA up to $250,000. $1,000.00 minimum opening deposit. Dividends are posted quarterly. Additional deposits are not allowed (except at maturity). Withdrawals are allowed only at maturity. Automatic renewal. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Dividends posted quarterly. Early withdrawal penalty may apply. Automatic renewal.
4.20% interest rate
Rate checked
More details - Adams State BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.27%APY$872 over 24 months on $10,000Requirements
Product: Minimum balance above is to open: No minimum balance required to earn interest. Substantial penalty for early withdrawal of certificates.
4.20% interest rate · Effective Oct 13, 2026
Rate checked
More details - Farmers & Merchants BankCertificates of Deposit (CDs)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.27%APY$872 over 24 months on $10,000Requirements
Product: Penalty with early withdrawal. APY = Annual Percentage Yield. Rates may change after the account is opened. Fees may reduce earnings.
Offer: Penalty for early withdrawal.
4.20% interest rate · Effective Jun 22, 2026
Rate checked
More details - MyPoint Credit UnionMyTerm CDCD · 9–60 months · $1,000 min
Credit union · Add a location to see nearby branches
4.25%APYintro rateRequirements
Product: Membership required. New money only. Member selects term between 9 and 60 months at opening. At maturity, automatically converts to a non-promotional 1-year Share Certificate. Early withdrawal penalties apply. No liquid option.
Offer: New money only. Member selects term between 9 and 60 months at opening. Dividend paid monthly.
Promotional rate · 4.16% interest rate · Effective Sep 15, 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
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