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 1261–1275 of 4,640 results
- Smart Financial Credit UnionCertificates of DepositCD · 24 months · $1,000 min · 3.60%–3.70% by balance
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: All accounts are subject to membership eligibility requirements. Interest compounded monthly and credited monthly and at maturity. Early withdrawal penalties apply (7 days' interest within first 6 days; all interest earned on 91-day CDs; 90 days' interest on 6-month CDs; 180 days' interest on 12-, 18-, and 24-month CDs; 270 days' interest on 30-, 36-, 48-, and 60-month CDs). No monthly service fee.
Offer: Standard Certificate tier. Daily balance method.
3.54% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and upYour amount 3.60% $50,000 and upMini Jumbo Certificate tier. 3.65% $100,000 and upJumbo Certificate tier. 3.70% Rate checked
More details - Texas Capital BankStar Certificates of Deposit (CDs)CD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Available for personal accounts only. Interest calculated and accrued daily based on daily balance and paid monthly. Fixed rate through maturity. Early withdrawal penalty may apply. Preferred Pricing rate increases may apply based on combined relationship balances. Deposit of $1,000 required within 10 business days of opening.
Offer: 24 Months term. No minimum balance requirement to obtain APY.
3.54% interest rate · Effective Oct 2, 2026
Rate checked
More details - Wellby FinancialWellby CertificateCD · 24 months · $1,000 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000with conditionsRequirements
Product: Available terms range from 6 to 60 months. Fixed rate for the certificate term. Automatic renewal upon maturity with a 5-day grace period. Closing Primary Savings requires closing Share Certificate accounts.
Offer: Standard rate. Fixed rate until maturity. Early withdrawal penalty of 180 days dividends.
Qualified rate · 3.53% interest rate · Effective Oct 1, 2026
Rate checked
More details - InvesTex Credit UnionCertificate of DepositCD · 24 months · $1,000 min · 3.60%–4.25% by balance
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,0003.54% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $50,000Your amount 3.60% $50,000 and upJumbo ($50K plus) 4.25% Rate checked
More details - Heritage Valley Federal Credit UnionHeritage Gold CertificateCD · 24 months · $10,000 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Heritage Gold rates require a minimum balance of $10,000. Substantial penalty for early withdrawal. Dividends compounded monthly.
3.54% interest rate · Compounded monthly
Rate checked
More details - 3.60%APY$733 over 24 months on $10,000
Requirements
Product: Federally insured by NCUA up to $250,000. No monthly maintenance fees. Minimum balance to open is $500. Dividends accrue daily and compound monthly. Automatically renews at maturity unless contacted on or before maturity date. 10-day grace period to redeem without penalty. Penalty for early withdrawal. $500 minimum daily balance required to earn APY.
Offer: Minimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period.
3.54% interest rate · Effective Oct 6, 2026
Rate checked
More details - ROLLING F CREDIT UNIONCertificate of DepositCD · 24 months · $10,000 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Membership eligibility required (live, work, or worship in Stanislaus or Merced county, CA). Paid with compound interest. Early closure penalty is 90 days interest. Fixed for the term purchased. Dividends based on average daily balance and posted monthly for non-IRA Certificate Accounts.
3.54% interest rate · Balance cap $999,999,999.99 · Effective Oct 1, 2026
Rate checked
More details - Versailles Savings & LoanCertificate of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000intro rateRequirements
Product: Interest rates are set at the discretion of the company and subject to adjustment each week. Interest is paid by compounding or transferring to a savings account, or by check for certificates over $25,000.00. Automatic renewal at maturity with a 10-day grace period for penalty-free withdrawal. Early withdrawal penalty applies: 90 days loss of interest for maturity of 6 to 12 months, and 180 days loss of interest for maturity of more than 12 months.
Offer: Contract rate is in effect for stated term. Interest is compounded and paid quarterly. No additional deposits permitted.
Promotional rate · 3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - Community SavingsCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,0003.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - Ridgewood Savings BankCertificates of DepositCD · 24 months · $100 min
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Early withdrawal penalties apply on CD accounts. Guaranteed fixed rate of return for the entire term.
Offer: 24 Month CD term.
3.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - First National Bank of Moose LakeCertificates of DepositCD · 24 months · $500 min
Bank · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000intro rateRequirements
Product: A Certificate of Deposit (CD) account is a time deposit account. Automatically renewable, unless you withdraw the funds at maturity. Early withdrawal penalty may apply. Fees could reduce earnings.
Offer: Early withdrawal penalty: 1 year.
Promotional rate · 3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - Dort Financial Credit UnionTerm Share CertificatesCD · 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: Subject to penalty for early withdrawal. Rates subject to change.
3.55% interest rate
Rate checked
More details - Diversified Members Credit UnionCertificates of DepositCD · 24 months · $200 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000intro rateRequirements
Product: Insured up to $250,000. Jumbo CD over $100,000.00 adds 0.05% to all terms (minimum balance $100,000.00, excluded from 18 and 48 month special). Early withdrawal penalties apply.
Offer: Early withdrawal penalty applies.
Promotional rate · 3.55% interest rate · Effective Oct 1, 2026
Rate checked
More details - Health Advantage 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: Membership required ($5 minimum deposit). Fixed rate. Dividends compounded and credited monthly; daily balance method. Penalty may apply for early withdrawal. Automatically renewable with a 10-day grace period.
Offer: Early withdrawal penalty: 180-day dividend penalty for terms > 365 days.
3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - Health Advantage Credit UnionSmart Savers CertificateCD · 24 months · $25 min
Credit union · Add a location to see nearby branches
3.60%APY$733 over 24 months on $10,000Requirements
Product: Allows unlimited additional flex deposits during the term. Only one account allowed per primary member SSN. Membership required ($5 minimum deposit). One withdrawal allowed with a $25 penalty; if balance falls below minimum or second withdrawal occurs, certificate is terminated. Automatically renews if balance is $25 or greater.
Offer: Fixed rate. Allows unlimited deposits during the term.
3.54% interest rate · Effective Oct 5, 2026
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
4,640 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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