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 706–720 results
- Bangor Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Dividend rates are guaranteed from time of purchase to maturity. Early withdrawal penalty applies. No setup or maintenance fees.
3.85% interest rate · Effective Oct 6, 2026
Rate checked
More details - Eagle One Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Dividends are posted monthly based on the average daily balance. Early withdrawal penalties apply. Insured up to $250,000 by NCUA.
3.85% interest rate · Effective Oct 8, 2026
Rate checked
More details - SESLOC Credit UnionTraditional Share CertificateCD · 24 months · $1,000 min · 3.92%–4.07% by balance
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Dividends compound monthly. Early withdrawal penalties apply. Partial early withdrawal reducing principal below tier minimum results in account closure. Minimum opening deposit $1,000.
Offer: Special rate fixed for term at account funding.
3.85% interest rate · Effective Jul 2, 2026
Rate by balance
Rate by balance for Traditional Share Certificate Balance APY $1,000 – $50,000Your amount 3.92% $50,000 – $100,000 3.97% $100,000 – $200,000 4.02% $200,000 and up 4.07% Rate checked
More details - Nashville Firemen’s Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Rates stated as APY. Certificate rates are set for the term of the account. $1,000 minimum balance required. Early withdrawal penalty applies.
Effective Oct 1, 2026
Rate checked
More details - Red River Federal Credit UnionCertificateCD · 24 months
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000 - 600 Atlantic FCUCertificate of DepositCD · 24 months · $2,500 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,0003.85% interest rate · Effective Sep 28, 2026
Rate checked
More details - Ohio Valley Community Federal Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Flexible terms from 3 months to 5 years, with a minimum deposit of $1000.00. Dividends compound monthly or can be transferred to savings account monthly or at maturity.
3.85% interest rate · Effective Sep 24, 2026
Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 2 (3-rung ladder: 12, 24, 36 months) or Option 3 (5-rung ladder: 12, 24, 36, 48, 60 months). All certificates established with equal amounts.
3.85% interest rate · Effective Oct 1, 2024
Rate checked
More details - Switch Federal Credit UnionShare CertificatesCD · 24 months · $2,500 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Funds cannot be added after the initial deposit, and early withdrawals will result in a penalty.
3.85% interest rate
Rate checked
More details - Cooperative Choice Network Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Dividends compounded daily and paid monthly (added back to certificate, paid monthly by check, or deposited directly into Share Savings or Share Draft Account). Early withdrawals subject to penalty. Minimum deposits vary according to term lengths.
Offer: Renewal rate under Member Loyalty Program when allowing certificate to roll over with no changes.
3.85% interest rate · Compounded daily · Effective Mar 1, 2026
Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionTerm Share CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.92%APY$799 over 24 months on $10,000Requirements
Product: Grace period of 10 days at maturity to withdraw or reinvest. Certificate reinvests automatically for the same term if not withdrawn.
3.85% interest rate · Effective Jul 9, 2026
Rate checked
More details - 3.91%APY$797 over 24 months on $10,000
Requirements
Product: Minimum balance $500. Dividends compound monthly. Early withdrawal penalties apply (3 months interest for terms < 1 year, 6 months interest for terms >= 1 year). Co-op points can be used to increase rate.
Offer: With 2,500 Co-op Points
3.85% interest rate · Effective Oct 5, 2026
Rate checked
More details - Central Maine FCUFixed-Rate Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.91%APY$797 over 24 months on $10,000with conditionsRequirements
Product: Membership requires a $10.00 membership share account ($25 stated on product overview). Rate premium of 10 basis points available if balance at opening is $250,000 or greater (or for Member's Choice program); maximum combined rate premium up to 20 basis points. Early withdrawal penalty applies.
Qualified rate · 3.85% interest rate · Effective Oct 1, 2026
Rate checked
More details - The Peoples Savings & Loan CompanyCertificate Of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.91%APY$797 over 24 months on $10,000Requirements
Product: A penalty will be imposed for early withdrawal. Institution generally does not accept nor retain deposits owned by persons residing outside their normal geographical service area.
Offer: A penalty will be imposed for early withdrawal. Balance required is daily balance.
3.85% interest rate · Effective Oct 13, 2026
Rate checked
More details - Foresight BankCertificate of DepositCD · 24 months · $500 min · 3.85%–4.01% by balance
Bank · Add a location to see nearby branches
3.91%APY$797 over 24 months on $10,000Requirements
Product: FDIC insured. No fees. Minimum opening deposit $500. Early withdrawal penalties apply (with exceptions such as up to $50,000 per year for nursing home expenses). Contact bank for rates on CDs above $100,000.
3.80% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 3.85% $10,000 and upYour amount 3.91% $40,000 and up 3.96% $100,000 and up 4.01% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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