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 61–75 results
- Canyon View Credit UnionRegular Share CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: $500 minimum balances to open. No maintenance fee. Early withdrawal penalties may apply. A minimum $10 primary savings balance is required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.36% interest rate · Effective Oct 9, 2026
Rate checked
More details - Goldenwest Credit UnionStandard CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Minimum deposit to earn dividends is $500. Terms range from 1 to 60 months. Dividends paid monthly. Bump option available at opening (0.15% lower than stated rate for one-time rate bump). President's Club members earn an additional 0.25%. Early withdrawal penalties apply.
4.36% interest rate · Effective Oct 1, 2026
Rate checked
More details - 7 17 Credit UnionCertificateCD · 24 months · $500 min · 4.45%–4.70% by balance
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Dividends compounded and credited quarterly. Penalty for early withdrawal.
4.38% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 and upYour amount 4.45% $250,000 and upSpecial Jumbo Certificate Bonus (+0.25% APY). 4.70% Rate checked
More details - Cyprus Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Share Certificates require an initial deposit of at least $500. Early withdrawal penalties may apply. Promotional rates are not eligible for bump rate increases.
4.36% interest rate · Effective Oct 15, 2026
Rate checked
More details - Cyprus Credit UnionDream CertificateCD · 24 months · $20 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Open with $20. Automatic deposits of at least $10/month (or every paycheck) transferred from checking account required. Maximum deposit limit of $100,000 per individual member across all Dream Certificate accounts. Features a one-time rate bump upon request and one penalty-free early withdrawal of up to 25% of balance.
Offer: Earns traditional certificate APY.
4.36% interest rate · Balance cap $100,000 · Effective Oct 15, 2026
Rate checked
More details - Atomic Credit UnionCertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Southeast Ohio residents; $1,000 minimum deposit; fixed dividend terms; withdrawal penalties apply.
4.35% interest rate
Rate checked
More details - The Pioneer Savings BankCertificate of DepositCD · 24 months · $500 min · 0.80%–4.45% by balance
Bank · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000intro rateRequirements
Product: Rates are subject to change without notice. Early withdrawal penalties may apply on certificates.
Promotional rate · 0.80% interest rate
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $500 and up 0.80% $2,500 and upYour amountCD Special is for New Money Only. New Money is defined as funds not currently held on deposit with this institution. 4.45% Rate checked
More details - Ascent Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Minimum opening deposit $500. Terms vary from 3 to 60 months. Early withdrawal penalties apply. Fixed interest rate compounded and paid quarterly. Rate match available for same product from local credit unions (conditions may apply). Members of the VIP Club can earn higher interest rates.
Offer: Interest compounded and paid quarterly.
Effective Oct 15, 2026
Rate checked
More details - DR BankDigital Prime Certificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Digital certificate of deposit accounts. Must be funded within 30 days to remain open. Early withdrawal penalty applies. Automatic renewal at maturity with 10-day grace period. No maintenance fees.
Offer: Minimum Deposit of $500.00 required. Minimum Daily Balance required to earn APY is $500.00. Early withdrawal penalty is 270 days of interest.
4.36% interest rate · Effective Sep 15, 2026
Rate checked
More details - DR BankPrime Certificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Interest credited and compounded monthly or at maturity. Early withdrawal penalty applies based on term. Account automatically renews at maturity with a 10-calendar-day grace period. No monthly maintenance fees.
Offer: Early withdrawal penalty is 270 days of interest. Minimum daily balance required to earn APY is $500.00.
4.36% interest rate · Compounded monthly · Effective Sep 15, 2026
Rate checked
More details - Purdue Federal Credit UnionSavers' CertificateCD · 24 months · $50 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000Requirements
Product: Variable rate. Additional deposits required. Membership eligibility required. $5 deposit in Member Ownership Share required.
Offer: Dividend Rate formula: T-Bill + 0.25%. Variable rate.
Effective Oct 1, 2026
Rate checked
More details - Chief Financial Credit UnionSpecial Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000intro rateRequirements
Product: Federally insured by NCUA up to $250,000. Early withdrawal penalty may apply. Dividends paid monthly. Only new funds eligible for promotional rate.
Offer: Early withdrawal penalty may apply. Only new funds eligible for promotional rate.
Promotional rate · 4.36% interest rate · Effective Oct 1, 2026
Rate checked
More details - Northwestern Mutual Credit UnionCertificate of DepositCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,0004.35% interest rate · Effective Oct 1, 2026
Rate checked
More details - Michigan Schools & Government Credit UnionCertificate of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,000intro rateRequirements
Product: $500 Minimum Average Daily Balance Required. Certificate of Deposits will automatically renew at maturity. You have a grace period of ten (10) calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Promotional Certificates will automatically renew at maturity to a standard term Certificate offered at the time of maturity. Bump rate option available on longer-term CDs.
Promotional rate · 4.38% interest rate
Rate checked
More details - First Westroads BankCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.45%APY$910 over 24 months on $10,0004.38% interest rate
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
4,630 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