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 121–135 results
- Leader BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,0004.27% interest rate · Balance cap $5,000,000 · Effective Oct 15, 2026
Rate checked
More details - Leader BankCertificates of DepositCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Offer: Advertised CD offer; maximum deposit $250,000.
4.27% interest rate · Balance cap $250,000 · Effective Oct 15, 2026
Rate checked
More details - Omaha Federal Credit UnionShare 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: With as little as $500, account holders can invest in an Omaha FCU Share Certificate. Share Certificates have a 90-day loss of dividends, whether they are earned or not, for early-withdrawals. Rates are subject to change.
4.27% interest rate
Rate checked
More details - Signal FinancialShare 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 required ($5 one-time membership share). Fixed dividend rate. Option to extend term by 6 months or more at prevailing rate. Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Fees may reduce earnings.
Offer: Dividends compounded daily and credited monthly. Penalties apply for early withdrawal. Membership required.
4.26% interest rate · Compounded daily · Effective Oct 7, 2026
Rate checked
More details - Home Bank of CaliforniaCertificates of DepositCD · 24–35 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APYRequirements
Product: No service charges. Interest compounded daily and paid monthly. Substantial penalty for early withdrawal. Express Personal Banking online account opening available for select CDs.
Offer: Qualifies for opening a Companion Savings Account.
4.25% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - American Bank & TrustCertificate of Deposits (CDs)CD · 24 months · $500 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Interest compounds semi-annually. Early withdrawal penalty may be imposed. No monthly fees. Bonus interest rates available with Relationship Packaging. Automatically renewable.
Offer: Requires Diamond Relationship Package Qualifications.
Effective Oct 5, 2026
Rate checked
More details - Bruning BankCertificates of DepositCD · 24 months · $10,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000intro rateRequirements
Product: Quarterly compounding. Penalty for early withdrawal.
Offer: 24 Months Special. Compounded quarterly.
Promotional rate · 4.28% interest rate · Compounded quarterly · Effective Oct 4, 2026
Rate checked
More details - Commonwealth Credit UnionCertificateCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Fixed dividend rate and APY for the term. Assumes dividends remain on deposit until maturity. Substantial penalty for early withdrawal. Automatically renewable with a 10-day grace period. After account opening, additional deposits are not permitted. $10,000 required for monthly dividend check.
4.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - EagleBankCertificates of Deposit for PersonalCD · 24 months · $1,000 min
Bank · Add a location to see nearby branches
4.35%APY$889 over 24 months on $10,000Requirements
Product: Interest is compounded daily and credited periodically. Penalty for early withdrawal may reduce earnings. APY assumes interest remains on deposit until maturity date. Fixed rate paid for the full term.
4.25% interest rate · Compounded daily · Effective Sep 24, 2026
Rate checked
More details - Duke Credit UnionShare CertificateCD · 13–24 months · $500 min
Credit union · Add a location to see nearby branches
4.34%APYRequirements
Product: Early withdrawals are subject to loss of dividends up to 90 days. Certificate rates are fixed for the certificate term and automatically renewed at maturity date unless prior notice is given.
Offer: Early withdrawals are subject to loss of dividends up to 90 days.
4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - CUP Federal Credit UnionShare CDCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.34%APY$887 over 24 months on $10,000Requirements
Offer: When paid: Quarterly. Early withdrawal penalty: 3 mo int.
4.25% interest rate · Effective Sep 15, 2026
Rate checked
More details - First Choice Financial Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.34%APY$887 over 24 months on $10,000Requirements
Product: $500 Minimum Balance Required; Interest Compounded Daily; Penalty for early withdrawal; Rates are subject to change without notice
Offer: Credit Quarterly
4.25% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - RaizRegular Share CertificateCD · 24 months · $5,000 min
Credit union · Add a location to see nearby branches
4.33%APY$885 over 24 months on $10,000Requirements
Product: No maintenance fees. Add-on deposits permitted anytime throughout its lifetime, with minimum add-on deposits as low as $10. Early withdrawal penalty may apply.
Offer: Twelve to sixty month share certificate dividends are paid and compounded monthly. Early withdrawal penalty applies if principal is withdrawn before maturity.
4.25% interest rate · Compounded monthly · Effective Sep 17, 2026
Rate checked
More details - Red River Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · Add a location to see nearby branches
4.33%APY$885 over 24 months on $10,000Requirements
Product: Minimum opening and running balance for Share Certificates is $500 unless indicated otherwise. Penalty imposed for early withdrawal.
Offer: Dividends credited/compounded monthly.
4.25% interest rate · Compounded monthly · Effective Oct 7, 2026
Rate checked
More details - Members Trust Federal Credit UnionCertificate AccountsCD · 24 months · $1,000 min · 4.33%–4.54% by balance
Credit union · Add a location to see nearby branches
4.33%APY$885 over 24 months on $10,000Requirements
Product: Share certificates require just $1,000 to open with terms from 6 months (182 days) up to 7 years. If you need to withdraw the money sooner than expected, you won’t lose any of the principal that you invested.
Offer: 2 Years; Min. $1,000 tier
4.25% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 and upYour amount 4.33% $25,000 and upMini-Jumbo tier (Min. $25,000) 4.44% $90,000 and upJumbo tier (Min. $90,000) 4.54% 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