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 661–675 results
- Capstone Federal Credit UnionCertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: Minimum opening deposit and balance to earn interest is $1,000. Early withdrawal penalty applies. Institutional and Public Funds are not eligible; members are eligible.
3.90% interest rate · Effective Sep 21, 2026
Rate checked
More details - US Community Credit UnionCertificateCD · 24 months · $500 min · 3.97%–4.02% by balance
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: Membership required with $5 par value share deposit. Penalty for early withdrawal. Rates prospective/current as of 9-11-2026.
Offer: Quarterly dividends.
Effective Sep 11, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 – $100,000Your amount 3.97% $100,000 and up 4.02% Rate checked
More details - Jack Daniel Employees' Credit UnionShare Certificate AccountCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.97%APY$810 over 24 months on $10,000Requirements
Product: Dividends paid monthly, transferred to designated account, or added to certificate.
3.90% interest rate · Effective Jan 27, 2026
Rate checked
More details - PALCO Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$808 over 24 months on $10,000Requirements
Product: Fixed rate time deposits. Dividends paid only at maturity on 6-month certificates; may be paid at maturity on terms not exceeding one year; on 12 to 60 month certificates, dividends may be paid monthly or quarterly by being deposited into a share account, mailed, or compounded back into the certificate.
Offer: Early withdrawal penalty: 1 Year.
3.90% interest rate · Effective Sep 23, 2026
Rate checked
More details - Northland Area FCUPLUS CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$808 over 24 months on $10,000Requirements
Product: Rate may change after the account is opened. 1yr - Rate may be increased once during the term. 2yr - Rate may be increased twice during the term. Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal.
Offer: Allows you to increase the annual percentage yield two times during the maturity period.
3.90% interest rate · Compounded quarterly · Effective Oct 22, 2026
Rate checked
More details - Credit Human Federal Credit UnionShare CertificatesCD · 24–35 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APYRequirements
Product: Flexible terms from 3 months to 10 years with $500 minimum deposit. Dividends paid monthly. Automatic renewal at maturity. A penalty will be imposed for early withdrawal. Actual certificate dividend rate and APY are based on the rate in effect on date of deposit. APY assumes dividends remain on deposit until maturity; dividend withdrawal reduces earnings. Membership eligibility required.
3.89% interest rate · Effective Oct 16, 2026
Rate checked
More details - First National Bank of WaterlooCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$808 over 24 months on $10,000Requirements
Product: Interest compounded and credited quarterly. Penalty may be imposed for early withdrawal. $1,000 minimum balance required to obtain APY.
3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - Citizens Community BankCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.96%APY$808 over 24 months on $10,000intro rateRequirements
Product: Initial Interest Rate Is In Effect Until First Maturity.
Offer: Quarterly interest credited/compounded. 10 grace days. Early withdrawal penalty: 3 Month Interest.
Promotional rate · 3.90% interest rate · Effective Oct 16, 2026
Rate checked
More details - TruNorth Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$808 over 24 months on $10,000Requirements
Product: Membership requires living, working, worshipping, or attending school in Marquette, Iron, Dickinson, Baraga, or Alger counties in Michigan. $5.00 par value share required. Early withdrawal penalty equals 90 days interest/dividends. Automatically renewable with a 7-day grace period, though certificate specials are nonrenewal accounts and do not roll over. Dividends compounded daily and credited quarterly.
Offer: Early withdrawal penalty may be imposed. Certificate specials will not renew at end of term.
3.90% interest rate · Compounded daily
Rate checked
More details - Affinity First Federal Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.96%APY$808 over 24 months on $10,000Requirements
Product: $500.00 minimum required. AFFCU membership required. Rates are subject to change.
Effective Oct 1, 2026
Rate checked
More details - Security Bank and Trust CompanyCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.96%APY$808 over 24 months on $10,000Requirements
Product: A substantial penalty may be imposed for early withdrawal. A withdrawal of interest or fees will reduce earnings.
3.90% interest rate
Rate checked
More details - Merchants BankCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: $500 minimum opening deposit. Flexible terms starting from just three months. No monthly service charge. A penalty may be imposed for early withdrawal.
Offer: Winona - Downtown branch rates. Penalty may be imposed for early withdrawal.
Effective Sep 17, 2026
Rate checked
More details - Friends and Family Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000with conditionsRequirements
Product: Rates categorized by Family Advantage Tiers (Platinum, Gold, Silver, Bronze) based on household loans, deposits, or investments with Friends and Family Credit Union. Dividends paid quarterly. $1,000 minimum deposit required to open.
Offer: Family Advantage Silver tier.
Qualified rate · 3.89% interest rate · Effective Oct 23, 2026
Rate checked
More details - Freedom Credit UnionSavings CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Requires $500 minimum to open and $500 minimum balance to earn advertised APY. Penalty imposed for early withdrawal. Dividend rate and APY may change at any time.
3.87% interest rate · Effective Sep 16, 2026
Rate checked
More details - Freedom Credit Union24-Month Certificate SpecialCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000intro rateRequirements
Product: Credit Union membership required by opening a $5 share savings account. No monthly maintenance fees for Certificates that reach full maturity. Special rate promotion subject to end without notice. Rolls over to a 24-month term at maturity at prevailing rate. Early withdrawal penalty applies.
Offer: Minimum $500 requirement to open and minimum of $500 to earn advertised APY. Special rate promotion subject to end without notice. Rolls over to a 24-month term at maturity at prevailing rate.
Promotional rate · Effective Jul 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 4,045 banks and credit unions · checked Oct 22–24
- 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