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 286–300 results
- UniWyo Credit UnionShare CertificateCD · 24 months · $100 min
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Minimum deposit and minimum balance of $100. Early withdrawal penalty is imposed. Additional deposits cannot be made after the certificate is open. Automatically renews at maturity. Military affiliated members and primary account holders of eligible Youth Accounts are eligible for a 0.50% APY bump on new Share Certificates.
4.14% interest rate · Effective Oct 15, 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
4.20%APY$858 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: Annual/Maturity Crediting. Average daily balance requirement of $1,000.
4.20% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.20%APY$858 over 24 months on $10,000
Requirements
Product: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
Offer: Must maintain a minimum $1,000 balance to earn APY. Fees could reduce the earnings on the account. There is a penalty for early withdrawal. Interest is compounded monthly and credited monthly.
4.12% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate checked
More details - Patriot Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min · 4.10%–4.30% by balance
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Penalty for early withdrawal. Rates tiered based on amount of deposit. Fixed dividend rate, monthly dividends. Insured up to $250,000 by NCUA. Open with as little as $1,000. Available in terms of 3 months to 5 years.
Offer: Penalty for early withdrawal. Tier $1,000-$9,999. Dividend earnings based on minimum tier balance.
Effective Sep 15, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $1,000 – $9,999 4.10% $10,000 – $24,999Your amount 4.20% $25,000 – $99,999 4.20% $100,000 – $250,000 4.25% Over $250,000 4.30% Rate checked
More details - Sun Federal Credit UnionRegular CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$858 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.
Offer: Add-On
4.12% interest rate · Compounded monthly · Effective Oct 16, 2026
Rate checked
More details - Upward Credit UnionSummer Certificate SpecialsCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000intro rateRequirements
Product: Promotional specials available for a limited time.
Promotional rate · 4.12% interest rate · Effective Aug 17, 2026
Rate checked
More details - Stanford Federal Credit UnionCertificatesCD · 24 months · $100 min
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000with conditionsRequirements
Product: Membership eligibility required. Requires a checking or savings account with Stanford FCU. $100 minimum opening deposit. Dividends are compounded and paid monthly. Fixed rate through maturity. Early withdrawal penalty applies: terms under 1 year have a penalty of 90 days of dividends; terms of 1 year or more have a penalty of 180 days of dividends. 7-day grace period at maturity. Inactivity fee is waived for Certificate accounts.
Offer: Premium rate for Loyalty+ Partners and Ambassadors (includes 0.50% bonus).
Qualified rate · 4.12% interest rate · Effective Sep 18, 2026
Rate checked
More details - Midwest BankCertificates of Deposit (CDs)CD · 24 months · $500 min · 4.20%–4.35% by balance
Bank · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Early withdrawal penalty may apply. Fixed rate that will not change for the term. Automatic renewal when certificate meets maturity. No setup or maintenance fees.
Offer: Term: 24 Month. Early withdrawal penalty may apply. Minimum balance to obtain APY is based on daily balance.
4.14% interest rate
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 and upYour amount 4.20% $25,000 and upTerm: 24 Month ($25,000 or more). 4.35% Rate checked
More details - SalemVA Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Terms range from 6 months to 5 years. Low $1,000 minimum. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account.
4.12% interest rate · Effective Oct 15, 2026
Rate checked
More details - SalemVA Credit UnionShare CertificateCD · 24 months · $10,000 min
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Terms range from 6 months to 5 years. Low $1,000 minimum. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account.
4.12% interest rate · Effective Oct 15, 2026
Rate checked
More details - Millard County Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Payment of dividends is based on available current and undivided earnings of MCCU. Some share certificates may not be available for online opening.
4.12% interest rate · Effective Oct 15, 2026
Rate checked
More details - Skyla Credit UnionRegular Certificate AccountCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,0004.12% interest rate · Effective Oct 1, 2026
Rate checked
More details - Ciera BankCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawal. Daily balance method used to calculate interest.
Offer: Interest compounded: Quarterly. Interest credited: Quarterly.
4.14% interest rate · Effective Oct 10, 2026
Rate checked
More details - U of I Community Credit UnionSilver Share CertificateCD · 24 months · $500 min · 4.20%–4.25% by balance
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000Requirements
Product: Dividends calculated daily and compounded quarterly and at maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalty of 180 day dividend.
4.14% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Silver Share Certificate Balance APY Any balanceYour amount 4.20% $100,000 and up2 years jumbo. 4.25% Rate checked
More details - USALLIANCE FinancialFixed Rate Certificate AccountsCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.20%APY$858 over 24 months on $10,000intro rateRequirements
Product: Dividends calculated and compounded daily and credited monthly on the last calendar day of the month. APY assumes dividends remain until maturity; premature withdrawal incurs penalty.
Offer: Promotional rate special. Rollover rate upon automatic renewal is 4.20% APY.
Promotional rate · 4.11% interest rate · Compounded daily · Effective Oct 1, 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
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- Synchrony BankBank