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 1231–1245 of 4,640 results
- Maspeth Federal SavingsCertificate of DepositCD · 24 months · $2,500 min
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Competitive yields Flexible terms from six months to five years Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Minimum balance required to achieve stated APY. Daily balance method.
Offer: Term: 24 months. Interest compounded continuously.
3.49% interest rate · Effective Oct 23, 2026
Rate checked
More details - Chen-Del-O Federal Credit UnionCertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Minimum balance requirement: $500.00. Penalty for early withdrawal.
Offer: 24 month term. Penalty for early withdrawal: 90 days loss of dividends.
3.56% interest rate · Effective Oct 21, 2026
Rate checked
More details - Upstate National BankCertificates of DepositsCD · 24 months · $1,000 min · 3.60%–3.85% by balance
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,0003.54% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Certificates of Deposits Balance APY $1,000 and upYour amount 3.60% $50,000 and up 3.85% Rate checked
More details - Mid Penn BankCertificate of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Rates shown for ZIP code 17061 (Central PA). Annual Percentage Yields (APY) based on semi-annual compounding. Substantial penalty for early withdrawal. $500 minimum balance, $50,000 maximum balance when opening online (visit a branch for amounts over $50,000). Terms from 60 months to 10 years available when opened in a financial center. Automatically renews upon maturity.
Offer: APY based on semi-annual compounding. Substantial penalty for early withdrawal.
3.57% interest rate · Effective Oct 20, 2026
Rate checked
More details - Partners Federal Credit UnionStandard CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Minimum to open and earn dividends is $1,000. Members ages 55+ may receive a 0.10% APY dividend increase on new or renewal certificates 24 months or greater.
3.54% interest rate
Rate checked
More details - Mission City Federal Credit UnionCertificatesCD · 24 months · $2,500 min · 3.60%–3.65% by balance
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Penalties may be applied for early withdrawals. Contact one of our member service representatives for more details.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Certificates Balance APY $2,500 and upYour amount 3.60% $100,000 and up 3.65% Rate checked
More details - Stark Federal Credit UnionShare CertificateCD · 24 months · $500 min · 3.39%–3.60% by balance
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000intro rateRequirements
Product: Individual and joint accounts only; businesses not eligible. Open to anyone who lives, works, worships, or attends school in Stark, Carroll, Portage, Summit, Tuscarawas, or Wayne County. Early withdrawal penalty applies and may reduce earnings. No setup or maintenance fees.
Offer: Growth Certificate tier (Less than $10,000). Minimum of $500 required. Compounded quarterly.
Promotional rate · 3.35% interest rate · Compounded quarterly · Effective Oct 19, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $10,000 3.39% $10,000 and upYour amountMinimum of $10,000 required. 3.60% Rate checked
More details - BMI Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Fixed dividend rate and APY for the initial term. Membership share requirement ($5.00) applies. Early withdrawal penalty may apply. Automatically renewable.
3.55% interest rate · Effective Sep 30, 2026
Rate checked
More details - SharePoint Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Dividends for Share Certificates are calculated on the daily balance and paid quarterly. Interest rates are reviewed weekly and are subject to change without notice. Minimum required to open a Share Certificate is $500. Early withdrawal penalty: one year or less will equal 90 days of interest on the amount withdrawn subject to penalty, and over one year will equal 180 days of interest on the amount withdrawn subject to penalty.
3.55% interest rate · Effective Oct 23, 2026
Rate checked
More details - Members First Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. A penalty may be assessed for early withdrawals. Fees and withdrawals of funds from this account prior to maturity will reduce earning.
Offer: For members under the age of 18 the required minimum balance on all CDs is $100.00. 0.10% APY bonus earned if you also have a M1 Premier Checking Account. Early withdrawal penalty may apply.
3.54% interest rate · Effective Oct 23, 2026
Rate checked
More details - Michigan United Credit UnionCertificateCD · 24 months
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Early withdrawals are subject to a penalty equal to 90 days' interest, which may reduce the principal. APY assumes interest remains in the certificate and is compounded. If interest is transferred to another account, interest will not compound and APY will not apply; only the stated interest rate will apply.
Offer: Early withdrawals are subject to a penalty equal to 90 days' interest. APY assumes interest remains in the certificate and is compounded.
3.55% interest rate · Effective Oct 23, 2026
Rate checked
More details - Oklahoma Central Credit UnionCertificate AccountsCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: $1,000 minimum balance to maintain. Deposits are only allowed at time of opening and maturity. Penalty for early withdrawal. Membership conditions may apply.
Offer: Dividends compounded and paid monthly. Early withdrawal penalty applies. Automatic renewal at maturity for the same term with new available rate if no instructions given.
Effective Oct 16, 2026
Rate checked
More details - Redstone Federal Credit UnionShare CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Compounding option. Dividend rate is 3.55%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
3.55% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Navy Federal Credit UnionEasyStart CertificateCD · 24 months · $50 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.54% interest rate · Effective Oct 22, 2026
Rate checked
More details - Arlington Community Federal Credit UnionShare CertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000with conditionsRequirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.
Qualified rate · Effective Apr 17, 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
What 2-year CDs pay nationwide
4,640 CDs at 4,046 banks and credit unions · checked Oct 22–25
- Typical
- 3.06%
- Top 10% from
- 4.07%
- Banks, typical
- 2.75%
- Credit unions, typical
- 3.25%
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