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 106–120 results
- Library of Congress Federal Credit UnionMonthly Dividend CertificateCD · 24 months · $5,000 min
Credit union · Add a location to see nearby branches
4.39%APY$897 over 24 months on $10,000Requirements
Product: $5,000 minimum deposit/balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded monthly. Dividends earned monthly are automatically transferred or mailed.
Offer: Paid and compounded monthly
4.30% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - MECE Credit UnionCertificates (CDs)CD · 24 months · $10,000 min
Credit union · Add a location to see nearby branches
4.37%APY$893 over 24 months on $10,000Requirements
Product: Dividends are paid quarterly. No additional deposits once established. Penalty equal to 90 days dividends for early withdrawal. Rate bump-up available on regular and children's certificates with terms of 24, 36, 48, and 60 months (once during term). Child CDs for members under 18 may be opened with a minimum of $100.
Offer: Jumbo
4.30% interest rate
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More details - SouthEast BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.37%APY$893 over 24 months on $10,000with conditionsRequirements
Product: Available online or in-branch. FDIC insured up to $250,000 per depositor. Promotional CD rates are valid during the initial term and do not apply to renewals. Early withdrawal penalty applies. Promotional CDs are not eligible for interest checks. Active Thrive Checking account holders can receive a 0.10% (10 basis points) rate increase.
Offer: Relationship offer for Active Thrive Checking account holders (ages 60+ with one direct deposit and one debit in past 60 days): 0.10% (10 basis points) interest rate bump on CD specials. Applied to 24-Month CD Special base interest rate of 4.18% for newly opened or renewing CDs. Limited-time promotional offer. Early withdrawal penalty applies.
Qualified rate · 4.28% interest rate · Effective Sep 24, 2026
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More details - Hometown Credit UnionShare CertificatesCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
4.37%APY$893 over 24 months on $10,000Requirements
Product: Must purchase a $5.00 par value share in the credit union and be a member in good standing. Certificates are fixed for the term of the instrument unless otherwise disclosed. Early withdrawal penalty applies: 90 days dividends for terms up to 15 months, 182 days dividends for terms 18 to 39 months, 365 days dividends for terms 42 to 72 months.
Offer: Special offer. Early withdrawal penalty: 182 days dividends.
4.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - Children's Medical Center Federal Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.36%APY$891 over 24 months on $10,000Requirements
Product: Must maintain a minimum daily balance of $500.00 each day to obtain disclosed APY. Compounded daily, credited quarterly. Early withdrawal penalty applies.
4.35% interest rate · Compounded daily · Effective Jan 25, 2024
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More details - Beacon Credit UnionRegular Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Membership qualifying account required. Dividends compounded monthly. Penalty for early withdrawal: 365 days or less remaining has 91 days interest penalty; 366-730 days remaining has 180 days interest penalty; 731-1095 days remaining has 365 days interest penalty; 1096-1460 days remaining has 540 days interest penalty; greater than 1460 days remaining has 730 days interest penalty.
4.27% interest rate · Compounded monthly · Effective Oct 21, 2026
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More details - Members Heritage CUTerm Share CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000intro rateRequirements
Product: Minimum balance $500. Dividends calculated on average daily balance, paid monthly. Fixed interest rate and maturity date. Early withdrawal penalty applies.
Offer: Term 2 Year.
Promotional rate · 4.27% interest rate · Effective Oct 22, 2026
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More details - Langley Credit UnionCertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Requires $5 deposit to Langley savings account for membership. Early withdrawal penalties apply (90 days dividends for 3-6 months, 180 days dividends for 12 months or greater). Dividends compound monthly.
4.27% interest rate
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More details - Canyon View Credit UnionRegular Bump Share CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Min. $500 opening balance. One-time bump per term to prevailing CVCU rate; not retroactive. Auto-renews to a Regular Certificate of same term without bump. Min. $10 in primary savings required. Other restrictions may apply. Not available for institutional investors. Rates are variable and subject to change. Fees may reduce earnings.
4.27% interest rate · Effective Oct 9, 2026
Rate checked
More details - Synchrony BankCertificate of Deposit (CD)CD · 24 months · $0 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply (Terms of 12 months or less: 90 days simple interest; Terms of more than 12 months but less than 48 months: 180 days simple interest; Terms of 48 months or more: 365 days simple interest). Personal non-IRA accounts only.
4.25% interest rate · Effective Oct 22, 2026
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More details - America First Credit UnionBump-Rate Certificate AccountsCD · 24–29 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APYRequirements
Product: Allows adjusting/increasing the interest rate one time during the certificate term.
Offer: Increase rate one time during term. Early-withdrawal penalties may apply. Dividends credited monthly.
4.27% interest rate · Effective Oct 21, 2026
Rate checked
More details - Home Savings BankCertificate of DepositCD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: No service fees. In branch opening option available. Interest compounded daily.
4.26% interest rate · Compounded daily · Effective Oct 22, 2026
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More details - Home Savings BankInternet Certificate of DepositCD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Online opening only. Opening deposit $10,000 - $250,000. Limited to Individual or Joint Ownership (beneficiaries allowed). Online statements only. No service fees.
Offer: Each Individual is limited to $250,000 in any one or combination of Online Certificate Accounts. A 5-Day Extended Hold will be placed on funds deposited in new accounts of this type. Must fund within 30 days of application.
4.26% interest rate · Balance cap $250,000 · Effective Oct 22, 2026
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More details - Blackhawk Community Credit UnionShare CertificateCD · 24 months · $1,000 min · 3.85%–4.35% by balance
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,0003.80% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 and up 3.85% $10,000 and upYour amountJumbo Certificate 4.35% Rate checked
More details - Bank of DeerfieldCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Substantial penalty for early withdrawal. Rates as of September 18, 2026.
4.30% interest rate · Effective Sep 18, 2026
Rate checked
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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
* 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 4,048 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
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank