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 16–30 results
- Genesee Regional BankCertificates of Deposit (CDs)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.75%APY$973 over 24 months on $10,000with conditionsRequirements
Product: Deposits are FDIC insured up to $250,000 per depositor. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
Offer: 24 Month CD Special. Minimum of 50% New Money Required (funds not currently on deposit with GRB). Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer.
Qualified rate · Balance cap $999,999.99 · Effective Sep 25, 2026
Rate checked
More details - First Northern Bank and Trust2 Year (24 Month) Adjustable CDCD · 24 months · $5,000 min
Bank · Add a location to see nearby branches
4.73%APY$968 over 24 months on $10,000Requirements
Product: Open account in person. The interest rate on your account is based on the prior month’s average 2 Year Treasury Note Rate as calculated by First Northern Bank and Trust Co. Interest rate may change every month. Penalty will or may be imposed for early withdrawals. Fees could reduce earnings.
Offer: Open account in person; rate based on prior month's average 2 Year Treasury Note Rate, adjustable monthly
4.65% interest rate · Effective Oct 2, 2026
Rate checked
More details - BTG Pactual Bank, National AssociationOnline CDCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.65%APY$952 over 24 months on $10,000intro rateRequirements
Product: Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Interest is compounded monthly and assumes funds remain on deposit until maturity.
Promotional rate · 4.55% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate checked
More details - Woodlands National BankStandard CD RatesCD · 24 months · $1,000 min · 4.64%–4.74% by balance
Bank · Add a location to see nearby branches
4.64%APY$950 over 24 months on $10,000Requirements
Product: Penalty for early withdrawal may be imposed: Certificates with terms of 1 year or less: the equivalent of 90 days' interest, Certificates with terms over 1 year: the equivalent of 180 days' interest. *Fees could reduce earnings.
4.59% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Standard CD Rates Balance APY $1,000 – $50,000Your amount 4.64% $50,000 and up 4.74% Rate checked
More details - FirstBankCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$941 over 24 months on $10,000Requirements
Product: Available only in Florida. Member FDIC. FirstBank Florida is a division of FirstBank Puerto Rico. Early withdrawal penalties may apply. Fees may reduce earnings.
Effective Oct 8, 2026
Rate checked
More details - BrightStar Credit UnionCertificatesCD · 24–36 months
Credit union · Add a location to see nearby branches
4.60%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: 2 years (731-1095 days). Platinum Star Membership (PSM) rate. Higher rate available with qualifying direct deposit.
Qualified rate · 4.41% interest rate · Effective Oct 15, 2026
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More details - HSBC USANew Money Certificate of Deposit (CD)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$941 over 24 months on $10,000with conditionsRequirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be funded with New Money (deposits and investments not previously held by any member of the HSBC Group in the U.S.). Can be opened online, in Wealth Centers, or over the phone. Must be at least 18 years of age with a U.S. residential address.
Offer: Must be funded with New Money. Minimum balance to open online is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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More details - HSBC Trust Company (Delaware)New Money CDsCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.60%APY$941 over 24 months on $10,000Requirements
Offer: Minimum balance to obtain APY is more than $0. Opening online requires minimum balance of $1,000.
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More details - Fremont Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.60%APY$941 over 24 months on $10,000Requirements
Product: Minimum opening deposit is $1,000 ($500 for Dollar Dog Kids and Cha-Ching Teen Club members). Terms range from 6 months to 7 years (84 months). Dividends are calculated using average daily balance method, compounded and paid daily. Membership eligibility required.
Offer: Minimum daily balance to earn dividends is $1,000.00. Dollar Dog Kids and Cha-Ching Teen Club members can open with $500.00 minimum deposit.
4.51% interest rate · Effective Oct 1, 2026
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More details - Scott Associates Credit Union IncShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.59%APY$940 over 24 months on $10,000Requirements
Product: Available to members. A minimum balance of $500.00 is required to purchase a certificate of deposit. Lock-in shares for terms ranging from 3 to 60 months. Dividends are earned monthly and paid out by transfer to savings/checking, reinvestment, or mailed check. After opening, interest rate is fixed for the term. Penalty for early withdrawal is 90 days interest on the amount withdrawn. Fees could reduce earnings.
Offer: Fourth Qtr Dividend Rates. Rates are subject to change without notice. Minimum deposit of $500 required. Fixed interest rate for the term. Early withdrawal penalty of 90 days interest.
4.50% interest rate
Rate checked
More details - Ridgewood Savings Bank2-Year Treasury Indexed CDCD · 24 months · $100 min
Bank · Add a location to see nearby branches
4.59%APY$939 over 24 months on $10,000Requirements
Product: Adjustable/variable yield account with no cap and a 0.25% floor. Yield is based on the 2-Year U.S. Treasury Rate on quarterly dates (March 1, June 1, September 1, December 1 or next business day) plus 0.25%. Maximum individual deposit of $500,000. Upon maturity rolls over into a regular 2-year fixed-rate CD. Available for consumers only.
Offer: Variable yield based on the quarterly 2-year U.S. Treasury rate (yielding 4.34% as of August 31, 2026) plus 0.25%. No cap, 0.25% floor. Maximum individual deposit $500,000.
4.43% interest rate · Balance cap $500,000
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More details - Whiting Refinery Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.59%APY$939 over 24 months on $10,000Requirements
Product: Rates subject to change at any time. Certain limitations may apply. Subject to early penalty withdrawal.
4.50% interest rate
Rate checked
More details - Members 1st Credit Union75th Anniversary CD SpecialCD · 24 months · $7,500 min
Credit union · Add a location to see nearby branches
4.58%APY$938 over 24 months on $10,000intro rateRequirements
Product: Open a $7,500 CD and enjoy a 0.75% bonus on any of the following terms: 6, 12, 24, 36, 48, or 60 months. Limit one CD rate bonus per member. At the end of the term, rolls over to the standard rate. Limited time only. Minimum balance requirements apply to average daily balance. Dividends/deposit rates are variable and may change at any time.
Offer: Open a $7,500 CD and receive a 0.75% rate bonus on available terms. Limit one CD rate bonus per member. Rolls over to standard rate at term end.
Promotional rate · Effective Oct 1, 2026
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More details - Advantage Plus Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.58%APY$937 over 24 months on $10,000Requirements
Product: Certificates based on a $500 minimum balance. A penalty may be imposed for early withdrawal which could affect the annual percentage yield.
4.50% interest rate
Rate checked
More details - Comenity Capital BankCertificate of DepositCD · 24 months · $1,500 min
Bank · Add a location to see nearby branches
4.55%APY$931 over 24 months on $10,000Requirements
Product: Must be at least 18 years old, US citizen or resident alien with valid SSN and physical US address. Minimum opening deposit $1,500 in a single transaction; maximum $1,000,000 per account. Early withdrawal penalty applies. Automatically renews at maturity with a 10-day grace period. Compounded daily, credited monthly.
Offer: Early withdrawal penalty: 180 days simple interest for terms 12 months to 3 years.
Compounded daily · Balance cap $1,000,000 · Effective Oct 16, 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
4,630 CDs at 4,053 banks and credit unions · checked Oct 15–22
- Typical
- 3.05%
- Top 10% from
- 4.05%
- 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