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 676–690 results
- HEFCUShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Dividends are compounded and credited quarterly. Early withdrawal penalty applies (equals 180 days' dividends). CDs are prohibited from additional deposits after opening. Automatically renews on maturity date with a 10-day grace period.
3.88% interest rate · Effective Sep 18, 2026
Rate checked
More details - UFCUFixed-Rate CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Requires a Savings account to purchase a certificate. Dividends compounded daily and credited monthly. Penalty will or may be imposed for early withdrawal.
Offer: Allows capturing a future rate increase on a one-time basis during the certificate term and increasing the original principal amount at the same time.
3.88% interest rate · Compounded daily · Effective Sep 3, 2026
Rate checked
More details - First Bank ChicagoCertificates of Deposit (CD)CD · 24 months · $2,500 min
Bank · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Minimum deposit to open a Certificate of Deposit (CD) and obtain stated APY is $2,500.00. APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed for withdrawal of funds prior to maturity. Fees may reduce earnings. Rates are variable and subject to change at any time.
3.88% interest rate · Effective Oct 13, 2026
Rate checked
More details - Beach Cities Commercial BankCertificate of Deposit AccountsCD · 24 months · $2,500 min · 3.95%–4.25% by balance
Bank · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Stated APY assumes that deposit balances remain until maturity. Interest is compounded monthly and credited monthly. Any withdrawal of principal or interest prior to maturity will reduce overall earnings and trigger an Early Withdrawal Penalty. CDs will automatically renew at maturity into the closest standard term available at the then-current market rate. You have a 10-calendar day grace period after the maturity date to withdraw funds without penalty.
3.88% interest rate · Compounded monthly · Effective Oct 13, 2026
Rate by balance
Rate by balance for Certificate of Deposit Accounts Balance APY $2,500 and upYour amount 3.95% $100,000 and up 4.09% $250,000 and up 4.25% Rate checked
More details - Polish-American FCUCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Rates may increase .2% when a member qualifies for loyalty benefits. Minimum deposit $500.
Offer: APY as high as with loyalty benefits (rates may increase .2%).
Effective Oct 15, 2026
Rate checked
More details - 3.95%APY$806 over 24 months on $10,000
Requirements
Product: Choose from a variety of maturity options ranging from 91 days to 72 months. Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.
Offer: Minimum balance to open and maintain APY is $500. Substantial penalty for early withdrawal. Fees may reduce account earnings.
3.89% interest rate · Effective Oct 1, 2026
Rate checked
More details - Tucson Federal Credit UnionShare 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: Minimum balance of $500.00 required. Automatically renewable at maturity with a 10 calendar day grace period. Dividends compounded daily and credited monthly or paid to another account. Early withdrawal penalties apply.
Offer: Disclosed dividend rate 3.87%. 2 Year term.
3.87% interest rate · Compounded daily · Effective Sep 1, 2026
Rate checked
More details - Cochise Credit UnionCertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate. After the ten days, we will automatically renew it for you! Early withdrawal penalties may apply.
Effective Oct 9, 2026
Rate checked
More details - Star of Texas Credit UnionCertificate of DepositCD · 24 months · $1,000 min · 3.95%–4.05% by balance
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000intro rateRequirements
Product: Early withdrawal penalties apply if surrendered prior to term maturity. Minimum amount to earn APY is $1,000. Federally insured up to $250,000 by NCUA.
Offer: Minimum amount to earn is $1,000 unless otherwise stated. Early withdrawal penalties apply if surrendered prior to term maturity.
Promotional rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.95% $50,000 – $100,000 4.05% $100,000 and up 4.05% Rate checked
More details - Baptist Credit UnionCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Dividends compounded and credited monthly based on the average daily balance method. Automatic renewal at maturity unless instructed differently in writing within the last 10 days before maturity. Substantial penalty for early withdrawal.
Offer: Term is 730 Days (2-Year). Early withdrawal penalty: 60 Days Dividends.
3.88% interest rate · Effective Sep 25, 2026
Rate checked
More details - Houston Federal Credit UnionFlexible-Term CertificateCD · 24–29 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APYRequirements
Product: Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Penalty for early withdrawal of principal prior to maturity.
3.89% interest rate · Effective Oct 6, 2026
Rate checked
More details - POLAM Federal Credit UnionSavings CertificateCD · 24 months · $2,500 min · 3.95%–4.25% by balance
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Lock funds for terms ranging from 6 months to 5 years. Minimum to open is $2,500 ($500 for members under 18 years of age). Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
Offer: Assumes dividends remain on deposit for the entire dividend period. Dividends paid monthly and at maturity. Early withdrawal penalties may apply.
3.88% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Certificate Balance APY $2,500 and upYour amount 3.95% $25,000 and up 4.05% $50,000 and up 4.15% $100,000 and up 4.25% Rate checked
More details - Pennstar Federal Credit UnionCertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: To open any account, you must deposit or already have on deposit at least the par value of one full share ($5.00). Dividends are calculated by the daily balance method. Fixed rate for initial term. Early withdrawal penalty applies (180 days dividend). Accounts automatically renew for another term upon maturity.
3.95% interest rate · Effective Oct 1, 2026
Rate checked
More details - Bridge Credit UnionSecond Chance CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Option to bump up rate (one time for certificates under 24 months and twice for certificate over 24 months) requires contacting Bridge before the original certificate maturity date. Bump rate must be of the equal term of the original certificate.
Offer: Everyday APY tier.
Rate checked
More details - Parks Heritage Federal Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.95%APY$806 over 24 months on $10,000Requirements
Product: Membership eligibility required: open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in New York state, as well as immediate family members of. A $5 deposit into a Share Savings Account is required for membership. No monthly maintenance fees. Early withdrawal penalties may apply. Dividends compounded and paid monthly on the last day of each month.
Offer: Fixed rates with a guaranteed return; early withdrawal penalty may apply; dividends compounded and paid monthly on the last day of each month.
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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 4,045 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