2 Year IRA Rates
Compare rates on 2 year IRAs from banks and credit unions. Use the filter box below to customize your results. You can sort by each column below or select another product to compare rates.
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| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| A. B. & W. Emp. Credit Union Inc | 1.50% | $1k | - | $303 | 24 Month IRA Share Certificate | |
| Connexus Credit Union | 1.30% | $10k | - | $262 | 24 Month IRA Certificate With Active Checking | |
| Salem Five | 1.25% | $2k | - | $252 | 24 Month IRA Special | |
| Digital Credit Union | 1.23% | $500 | - | $279 | 27 Month Jump-Up IRA - Relationship Rate | |
| Virginia Heritage Bank | 1.15% | $500 | - | $232 | 24 Month IRA | |
| Melrose Credit Union | 1.11% | $4k | - | $223 | 2 Year Share Roth IRA Certificate | |
| Andrews Federal Credit Union | 1.11% | $1k | - | $224 | 24 Month IRA Certificate | |
| Sandia Laboratory Credit Union | 1.11%* | $1k | - | $224 | 24 Month IRA | |
| Nationwide Bank | 1.10%* | $500 | - | $222 | 24 Month Roth IRA | |
| Logix Federal Credit Union | 1.10% | $1k | - | $222 | 24 Month IRA w/ Platinum Relationship Rewards | |
| CIT Bank | 1.09% | $1k | - | $219 | 2 Year IRA | |
| Piedmont Credit Union | 1.06% | $1k | - | $213 | 2 Year IRA Certificate | |
| Pen Air Credit Union | 1.05% | $500 | - | $212 | 24 Month IRA | |
| GE Capital Retail Bank | 1.05%* | $2k | - | $212 | 24 Month IRA | |
| State Department Federal Credit Union | 1.05% | $500 | - | $212 | 24 Month IRA Certificate | |
| Alliant Credit Union | 1.05% | $1k | - | $212 | 24 - 35 Month Traditional IRA | |
| Ally Bank | 1.04% | - | - | $209 | IRA Raise Your Rate 2-Year CD | |
| Geauga Savings Bank | 1.00% | - | - | $202 | 24 Month Roth IRA | |
| Hudson City Savings Bank | 1.00%† | $500 | - | $201 | 2 Year IRA | |
| Northwest Federal Credit Union | 1.00%* | $2,500 | - | $201 | 2 Year Roth IRA Certificate | |
| First and Citizens Bank | 1.00% | $500 | - | $202 | 24 Month Fixed Rate IRA | |
| OneUnited Bank | 1.00% | $1k | - | $201 | UNITY 2 Year IRA CD | |
| Discover Bank | 0.95% | $2,500 | - | $191 | 24 Month IRA | |
| First Internet Bank of IN | 0.95% | - | - | $191 | 24 Month IRA | |
| AloStar Bank of Commerce | 0.95% | $1k | - | $191 | 24 Month IRA | |
| Intervest National Bank | 0.90% | $1k | - | $181 | 2 Year Roth IRA | |
| OneWest Bank | 0.90% | $1k | - | $181 | 2 Year Roth IRA | |
| Air Force Federal Credit Union | 0.90%* | $1k | - | $181 | 2 Year IRA | |
| John Marshall Bank | 0.90% | $500 | - | $181 | 2 Year IRA | |
| Bayport Credit Union | 0.90% | $1k | - | $189 | 25 Months Premier IRA Special | |
| Member One Credit Union | 0.90% | $1k | - | $181 | 2 Year IRA | |
| Quantum National Bank | 0.90% | $1k | - | $181 | 24 Month Relationship IRA | |
| New Horizon Bank, National Association | 0.90% | $500 | - | $181 | 24 Month IRA | |
| Belvoir Federal Credit Union | 0.90% | $1k | - | $181 | 24 Month IRA Share Certificate | |
| EverBank | 0.85% | $1,500 | - | $171 | 2 Year Yield Pledge IRA | |
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| Bank of Georgetown | 0.85% | $1k | - | $171 | 2 Year IRA | |
| Justice Federal Credit Union | 0.85%* | $500 | - | $171 | 24 Month IRA Certificate w/ JNA Relationship | |
| Sandy Spring Bank | 0.85% | $10k | - | $178 | 25 Month Premier IRA Special | |
| Virginia Partners Bank | 0.85% | $1k | - | $171 | 24 Month IRA | |
| Dupont Community Credit Union | 0.85% | $1k | - | $171 | 2 Year IRA | |
| USAA Bank | 0.81% | $250 | $95k | $163 | 2 Year IRA - Standard | |
| Northrop Grumman Federal Credit Union | 0.80% | $2k | - | $161 | 2 Year Term Roth IRA | |
| Presidential Online Bank | 0.80% | $1k | - | $161 | 2 Year IRA | |
| Millennium Bank, National Association | 0.80% | $1k | - | $161 | 2 Year IRA | |
| Giantbank.com | 0.80% | $1k | - | $161 | 24 Month Giant IRA | |
| UmbrellaBank.com | 0.76% | $1k | - | $153 | 2 Year IRA | |
| The Business Bank | 0.75% | - | $100k | $151 | 24 Month IRA | |
| Affinity Credit Union | 0.75% | $500 | - | $151 | 24 Month IRA Certificate | |
| Commonwealth One Credit Union | 0.75% | $1k | - | $151 | 24 Month IRA Certificate | |
| Mcgraw Hill Credit Union | 0.75% | $10k | - | $151 | 24 Month IRA | |
| NSWC Credit Union | 0.75% | $500 | - | $151 | 2-Year IRA Share Certificate | |
| Self-Help Credit Union | 0.75% | - | - | $151 | 24 Month IRA | |
| Virginia Community Bank | 0.75% | - | - | $151 | 24 Month IRA | |
| Valley Industrial Credit Union | 0.75% | $500 | - | $151 | 24 Month IRA | |
| Marine Federal Credit Union | 0.75% | $500 | - | $151 | 24 Month Traditional IRA | |
| Northern Star Credit Union | 0.75% | $250 | - | $151 | 24 Month IRA Certificate (Fixed) | |
| Pentagon Federal Credit Union | 0.74% | $25 | - | $149 | 2 Year Roth IRA | |
| First Savings Bank Northwest | 0.71%* | $5k | - | $143 | 24 Month IRA | |
| Jacksonville Bank | 0.71% | $1k | - | $143 | 24 - 35 Month IRA | |
| Partners 1St Credit Union | 0.71%* | $10k | - | $143 | 24 Month IRA | |
| New Generations Federal Credit Union | 0.70% | $1k | - | $140 | 2 Year IRA Share Certificate | |
| Easthampton Savings Bank | 0.70% | $500 | - | $141 | 24 Month IRA | |
| Blue Ridge Bank | 0.70% | $5k | - | $159 | 27 Months Special Roth IRA | |
| ViewPoint Bank, National Association | 0.70% | $1k | - | $141 | 24 Month SEP IRA | |
| Astera Credit Union | 0.70% | $500 | - | $140 | 2 Year IRA | |
| Bank of Botetourt | 0.70% | $100 | - | $140 | 2 Year IRA | |
| Call Credit Union | 0.70% | $1k | - | $141 | 24 Month IRA Certificate | |
| Martinsville Dupont Emp Credit Union | 0.70% | $2,500 | - | $140 | 2 Year IRA | |
| Fairfax County Credit Union | 0.70% | $2,500 | - | $141 | 24 Month IRA Certificate | |
| Salem Va Medical Center Credit Union | 0.70% | $1k | - | $141 | 24 Month IRA | |
| Urban Trust Bank | 0.70% | $500 | $100k | $141 | 24 Month IRA | |
| North American Savings Bank | 0.70% | $10k | - | $141 | 24 - 35 Month IRA with Checking | |
| Pinnacle Federal Credit Union | 0.70% | $500 | - | $141 | 24 Month Roth IRA | |
| Central Virginia Bank | 0.70% | $500 | - | $141 | 24 Month IRA | |
| United Central Bank | 0.70% | $500 | - | $141 | 24 Month IRA | |
| NARFE Premier Federal Credit Union | 0.65% | $1k | - | $130 | 2 Year Roth IRA Step Up Certificate | |
| Cardinal Bank | 0.65% | $1k | - | $130 | 2 Year IRA | |
| Appalachian Community Credit Union | 0.65% | $1k | - | $131 | 24 Month IRA Certificate | |
| Credit Union Of New Jersey | 0.65%* | $500 | - | $130 | 2 Year IRA Certificate | |
| United Southeast Credit Union | 0.65% | $500 | - | $131 | 24 Month IRA | |
| University Of Va Community Credit Union | 0.65% | $500 | - | $130 | 2 Year IRA | |
| Fulton Bank, National Association | 0.65%† | $500 | - | $136 | 25 Month Relationship IRA | |
| First Trade Union Bank | 0.65% | $500 | - | $130 | 2 Year IRA | |
| Apple Federal Credit Union | 0.65% | $500 | - | $131 | 24 Month Roth IRA Certificate | |
| First National Community Bank (PA) | 0.60% | $1k | - | $120 | 2 Year Roth IRA | |
| Arlington Community Credit Union | 0.60% | $500 | - | $121 | 24 Month Platinum IRA | |
| Argent Credit Union | 0.60% | $500 | - | $121 | 24 Month IRA Certificate | |
| Armed Forces Bank, National Association | 0.60% | $500 | - | $121 | 24 Month IRA | |
| Communitywide Credit Union | 0.60% | $2k | - | $120 | 24 Month IRA Share Certificate | |
| Nma Credit Union | 0.60% | $10k | - | $121 | 24 Month IRA Certificate | |
| The Bank of Fincastle | 0.60% | $100 | - | $121 | 24 Month IRA | |
| The Richmond Postal Credit Union In | 0.60% | $500 | - | $121 | 24 Month IRA | |
| Peoples Advantage Credit Union | 0.60% | $1k | - | $121 | 24 Month IRA | |
| Virginia Credit Union, Inc., | 0.60%* | $100 | - | $121 | 24 Month IRA | |
| Franklin Federal Savings Bank | 0.60% | $500 | - | $120 | 2 Year IRA Certificate | |
| First Technology Federal Credit Union | 0.60% | $500 | - | $121 | 24 Month IRA | |
| Xceed Financial Credit Union | 0.60% | $500 | - | $121 | 24 Month IRA | |
| Benchmark Community Bank | 0.60% | $500 | - | $120 | 2 Year Premium Roth IRA | |
| Principal Bank | 0.60% | $2,500 | - | $121 | 24 Month IRA | |
| Patriot Bank | 0.60% | $1k | - | $121 | 24 Month IRA | |
| Chartway Federal Credit Union | 0.60% | $10k | - | $121 | 24 Month Roth IRA | |
| National Bank of Kansas City | 0.55% | - | - | $111 | 24 - 35 Month Roth IRA | |
| State Farm Bank | 0.55%*† | - | - | $111 | 24 Month Roth IRA | |
| Stillwater National Bank | 0.55%† | $10k | - | $111 | 24 Month IRA | |
| Truliant Credit Union | 0.55%* | $5k | - | $111 | 24 Month IRA Certificate | |
| Highlands Union Bank | 0.55% | $500 | - | $111 | 24 Month IRA | |
| Baylands Credit Union | 0.55% | $500 | - | $111 | 24 Month IRA Certificate | |
| First Security Bank & Trust | 0.55% | $2,500 | - | $111 | 24 - 35 Month IRA | |
| Farmers & Merchants Bank | 0.55% | $1k | - | $111 | 24 Month IRA | |
| South Division Credit Union | 0.55% | $500 | - | $110 | 2 Year IRA | |
| Citizens Bank (TN) | 0.55% | $1k | - | $111 | 24 Month IRA | |
| 1St Advantage Credit Union | 0.51% | $500 | - | $103 | 24 Month IRA | |
| Simplicity Bank | 0.50% | $10k | - | $100 | 2 Yr to <3 Yr IRA | |
| NewDominion Bank | 0.50% | $500 | - | $101 | 24 Month Roth IRA | |
| Pacific Mercantile Bank | 0.50% | $7,500 | - | $100 | 2 Year Roth IRA | |
| First National Bank (LA) | 0.50% | - | - | $101 | 24 Month IRA | |
| New Peoples Bank, Inc. | 0.50% | $500 | - | $101 | 24 Month IRA | |
| ABNB Credit Union | 0.50% | $1k | - | $101 | 24 Month IRA Certificate | |
| Chain Bridge Bank, National Association | 0.50% | $500 | - | $101 | 24 - 35 Month IRA | |
| Burke & Herbert Bank & Trust Company | 0.50% | $10k | - | $105 | 25-Month Fixed IRA - w/checking | |
| Freedom First Credit Union | 0.50% | $500 | - | $101 | 24 Month IRA | |
| Virginia Commerce Bank | 0.50% | $100 | - | $100 | 2 Year IRA | |
| Capital Educators Federal Credit Union | 0.50%* | $10k | - | $101 | 24 - 35 Month Roth IRA Certificate | |
| StellarOne Bank | 0.50% | $5k | - | $113 | 27 Month Promo IRA | |
| The Capon Valley Bank | 0.50% | $500 | - | $101 | 24 Month IRA - Quarterly | |
| Lake Michigan Credit Union | 0.50% | $500 | - | $101 | 24 Month VIP IRA CD | |
| First National Bank of Altavista | 0.50% | $100 | - | $100 | IRA 2 Year Fixed | |
| North Country Savings Bank | 0.50% | $500 | - | $100 | 2 Year IRA | |
| America's Credit Union | 0.50%* | $500 | $100k | $101 | 24-47 Month Roth IRA Certificate Account | |
| Access National Bank | 0.45% | $10k | - | $90.20 | 2 Year IRA | |
| Patelco Credit Union | 0.45% | $500 | - | $90.45 | 24 - 35 Month Roth IRA | |
| Third Federal | 0.45%† | $100 | - | $90.45 | 24 Month Roth IRA | |
| Money One Federal Credit Union | 0.45% | - | - | $90.20 | 2 Year IRA Savings Certificate | |
| Central Virginia Credit Union | 0.45% | - | - | $90.45 | 24 Month Preferred IRA Certificate | |
| The Bank of Southside Virginia | 0.45% | $1k | - | $90.20 | 2 Year IRA | |
| Bank of Blue Valley | 0.45% | - | - | $90.45 | 24 - 35 Months Roth IRA | |
| EVB Bank | 0.45% | $500 | - | $90.20 | 2 Year IRA | |
| Zions Bank | 0.45% | $1k | - | $90.20 | 2 Year Internet IRA CD | |
| Eli Lilly Credit Union | 0.41% | - | - | $82.17 | 2 Year IRA | |
| Univest Bank and Trust Co. | 0.40% | $500 | - | $80.38 | 24 Month IRA | |
| First Sentinel Bank | 0.40% | - | - | $80.38 | 24 Month IRA | |
| Union First Market Bank | 0.40% | $1k | $100k | $80.16 | 2 Year Preferred IRA | |
| Capital One 360 | 0.40% | - | - | $80.38 | 24 Month IRA | |
| First Shore Federal Savings and Loan Association | 0.35% | $10k | - | $70.32 | 24 Month Rising Rate IRA | |
| H&R Block Bank | 0.35% | $250 | - | $70.32 | 24 Month Roth IRA | |
| KeyBank | 0.35%*† | $10k | $100k | $70.32 | 24 Month Tiered IRA - Relationship | |
| Newtown Savings Bank | 0.35% | - | - | $70.12 | 2 Year Roth IRA | |
| The Adirondack Trust Company | 0.35% | $500 | - | $70.12 | 2 Year IRA | |
| Bank @LANTEC | 0.35% | $500 | - | $70.32 | 24 Month Roth IRA | |
| Front Royal Credit Union | 0.35% | $500 | - | $70.12 | 2 Year IRA Certificate | |
| iGObanking | 0.35% | $1k | - | $84.98 | 29 Month iGOIRA | |
| Community Bank of Pleasant Hill | 0.35% | $500 | - | $70.12 | 2 Year IRA | |
| Community Bank of Raymore | 0.35% | $500 | - | $70.12 | 2 Year IRA | |
| The National Bank of Blacksburg | 0.34% | - | - | $68.30 | 24 Month Roth IRA | |
| Randolph Bank & Trust Company | 0.30%* | $10k | - | $60.26 | 24 Month Fixed Rate IRA | |
| InTouch Credit Union | 0.30% | $1k | $95k | $60.26 | 24 Month IRA | |
| 20Th Century Fox Credit Union | 0.30% | $2,500 | - | $60.09 | 2 Year IRA Certificate | |
| PNC Bank, National Association | 0.30%*† | $10k | - | $60.26 | 24 Month IRA | |
| Union Bank of California | 0.30%† | $350 | - | $60.26 | 24 - 35 Month Roth IRA Time Deposit | |
| Great Lakes Credit Union | 0.30% | $1k | - | $60.09 | 2 Year IRA Certificate | |
| Consumers Credit Union (IL) | 0.30% | $250 | - | $60.09 | 2 Year IRA | |
| INOVA Federal Credit Union | 0.30% | $200 | - | $60.09 | 2 Year IRA | |
| Bronco Federal Credit Union | 0.30% | $1k | - | $60.26 | 24 Month IRA Certificate | |
| University Federal Credit Union | 0.25% | $1k | - | $50.20 | 24 Month Regular Roth IRA | |
| Chase Manhattan Bank | 0.25%*† | $10k | - | $50.20 | 24-29 Month IRA - Relationship | |
| First Bank (VA) | 0.25% | $500 | - | $50.20 | 24 Month IRA | |
| Woodforest National Bank | 0.25%† | $500 | - | $50.06 | 2 Year IRA | |
| Amalgamated Bank | 0.25%† | $500 | - | $50.06 | 2 Year Roth IRA Fixed Rate | |
| BankDirect | 0.25% | $1k | - | $50.20 | 24 Month Roth IRA CD | |
| Acacia Federal Savings Bank | 0.25% | $100 | - | $50.20 | 24 Month Roth IRA | |
| Citibank | 0.25%† | $1k | - | $50.06 | 2 Year IRA | |
| Wells Fargo Bank | 0.21%† | $1k | - | $42.16 | 24 Month Step Rate Bonus IRA | |
| Regions Bank | 0.20%† | $250 | - | $40.15 | 24 - 29 Month IRA | |
| Bank of America | 0.20%† | $1k | - | $40.15 | 24 - 35 Month IRA - Platinum Rate | |
| Comerica Bank | 0.15%† | $1k | - | $30.02 | 2 Year IRA | |
| Amegy Bank | 0.15% | $250 | - | $30.02 | 2 Year Roth IRA | |
| Guardian Credit Union | 0.04% | $500 | - | $8.02 | 24 Month IRA Share Certificate | |
Nationwide CDs
Resources
Average 2 Year IRA Rate Trend
Featured Accounts
CIT Bank
3-year Term IRA CD
1.21% APY
3-year Term IRA CD
1.21% APY
* All banks listed are a Member FDIC.