2 Year CD Rates

Compare rates on 2 year CDs from banks and credit unions. Use the filter box below to customize your results. You may want to try our Early Withdrawal Penalty Calculator to compare a 2-year CD rate to the effective APY of a CD with a longer term and higher rate that is broken at the 2-year mark. Click here to read more about features and tips related to 2-year CDs.

ALERT: Due to the recent rate changes by the Federal Reserve, we're detecting a high volume of deposit rate changes by banks and credit unions. If you're unable to find an account, it may be hidden temporarily while it is being reviewed for accuracy. We appreciate your patience.
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157 Results

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Nationwide Only
Sallie Mae Bank27 Months High Yield CD Via Savebetter84 Reviews
5.00%
MIN TO
EARN
MIN TO EARN:$1

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,907
KS StateBank27 Month Jump Up CD9 Reviews
4.73%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,746
4.71%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,410
4.65%
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:$250k
EST.
EARN 🛈
EST. EARN:$2,379
4.60%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,255
Genisys Credit Union25 Month Share Certificate Special16 Reviews
4.58%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,450
Bread Financial2 Year Bread Savings CD77 Reviews
4.50%
MIN TO
EARN
MIN TO EARN:$1.5k

MAX
MAX:$1m
EST.
EARN 🛈
EST. EARN:$2,301
HSBC24 Month Branch CD47 Reviews
4.50%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,301
4.50%
MIN TO
EARN
MIN TO EARN:$2k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,301
Crescent Bank24 Month CD - New Money3 Reviews
4.50%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,301
4.50%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,301
My eBanc24 Month Online Time Deposit15 Reviews
4.50%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,301
Popular Direct24 Month Popular Direct CD99 Reviews
4.50%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,301
4.49%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,295
State Bank of India (IL)Senior Citizens 24 Month CD7 Reviews
4.43%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,264
State Bank of India2 Year Senior Citizen CD2 Reviews
4.42%
MIN TO
EARN
MIN TO EARN:$25k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,259
4.40%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,377
4.40%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:$1m
EST.
EARN 🛈
EST. EARN:$2,377
PenFed Credit Union2 Year Money Market Certificate191 Reviews
4.35%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,222
4.34%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,217
4.30%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,196
4.25%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,170
4.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:$1m
EST.
EARN 🛈
EST. EARN:$2,170
USALLIANCE Financial24 Month Certificate Special68 Reviews
4.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,170
Service Credit Union24 Month Share Certificate Special26 Reviews
4.25%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,170
4.15%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,118
4.15%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,118
GTE Financial24 Month Share Certificate56 Reviews
4.13%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,108
4.11%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,097
4.10%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,092
Capital One24 Month 360 CD484 Reviews
4.10%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,092
4.10%
MIN TO
EARN
MIN TO EARN:$1

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,092
4.10%
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,092
4.10%
MIN TO
EARN
MIN TO EARN:$5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,092
4.10%
MIN TO
EARN
MIN TO EARN:$2.5k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,092
Andrews FCU24 Month Jumbo Share Certificate61 Reviews
4.10%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,092
Barclays24 Month Online CD228 Reviews
4.10%
MIN TO
EARN
MIN TO EARN:-

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,092
MTC FCU26 Month Special CD-New Money
4.06%
MIN TO
EARN
MIN TO EARN:$10k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,258
4.05%
MIN TO
EARN
MIN TO EARN:$500

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,066
Luana Savings Bank24 Month CD Special
4.03%*
MIN TO
EARN
MIN TO EARN:$1k

MAX
MAX:-
EST.
EARN 🛈
EST. EARN:$2,056

Displaying 1-40 of 157 Results


2-Year CD Rates

CDs, also called certificates of deposit, are low-risk investments with a predetermined, fixed rate of return (interest) sold by financial institutions. The 2-Year CD is one of many time horizons typically offered by banks and credit unions, and serves as a fairly liquid way to store savings while growing them at higher interest rates than usually afforded by standard savings accounts.

2-Year CD Rate History – Average APY (%) Rate Trend over Time

Contribution Limits

CDs, or time deposits, usually come with no maximum limits on how much you are able to deposit. In most cases, the bigger your principal, the more you will earn in interest – this is called “tiered interest.” However, some financial institutions offer just a flat interest rate for any amount of principal.

Mini CD Ladders and Add-On CDs

2-Year CDs are commonly termed 24-month CDs and make for a good last rung on a mini CD ladder. The simplest way build this ladder is to invest in 5 CDs ranging in duration from 3 months to 24 months (i.e., a 3-month CD, 6-month CD, 12-month CD, 18-month CD, and a 24-month CD). After the first CD reaches maturity, you can decide whether to open another 24 month CD to extend your ladder. Repeat this process until you have 24 Month CDs expiring every 3 months, and you will have achieved higher rates of return than a savings account, while maintaining good liquidity (access to funds penalty free every 3 months). Alternatively, Add-On CDs are designed so that the bank or credit union will allow you to invest additional funds into an already opened CD. This could be advantageous, especially if the interest rates are tiered.

Small banks and credit unions typically offer the best interest rates on CDs, which is why you will predominantly see share certificates at the top of the CD rate tables on DepositAccounts. Whether bank or credit union, make sure the CD being offered is federally insured. The FDIC or NCUA guarantees each depositor up to at least $250,000 per insured financial institution where he or she has an account. American Share Insurance (ASI) is a private insurer that covers each account you may have at an insured credit union up to $250,000.

Some financial institutions offer Bump-Up CDs that allow the certificate of deposit holder to switch to a higher rate (if available) one time during the life of the investment without incurring a penalty. This is a helpful feature, but is usually offered with long term CDs as an incentive to “loan” the bank or credit union money for a longer period of time.




* The APY (Annual Percentage Yield) shown is based on the deposit amount selected. Expand the listing to see APYs for other deposit amounts.
† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.