Featured 1-Year CD Rates
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2 Year IRA Rates

Compare rates on 2 year IRAs from banks and credit unions. Use the filter box below to customize your results. Click here to learn more about 2-year IRA CDs and how they can be a beneficial tool in your retirement strategy.

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149 Results

Nationwide Only
Xcel FCU24 Month IRA Special (New Money Only) (Traditional, Roth, CESA)8 Reviews
2.02%
$5k-$1,023
Nationwide Bank24 Month IRA (Traditional, Roth, CESA, SEP)126 Reviews
1.90%*
--$962
Capital Educators FCU24 Month Promotional IRA Certificate (Traditional, Roth, CESA, SEP)3 Reviews
1.90%*
$500-$962
KS StateBank2 Year IRA - In Branch Only (Traditional, Roth)
1.89%
$500-$954
First Internet Bank of IN24 Month IRA (Traditional, Roth)12 Reviews
1.88%
$1k-$951
EverBank2 Year Yield Pledge IRA (Traditional, Roth)39 Reviews
1.86%
$5k-$939
Evansville Teachers FCU2 Year IRA (Traditional, Roth, CESA)2 Reviews
1.85%
$1k-$934
Melrose Credit Union2 Year Share IRA Certificate (Traditional, Roth)20 Reviews
1.85%
$4k-$934
1.82%
$1k-$918
5Star Bank24 Month Variable IRA (Traditional, Roth)1 Review
1.81%
$250-$916
1.80%
$2k-$911
Air Force FCU2 Year IRA (Traditional, Roth, CESA)
1.80%*
$1k-$908
Interior FCU24 Month IRA Certificate (Traditional, Roth, CESA)
1.76%*
$500-$890
Golden 1 Credit Union27 Month IRA (Traditional, Roth, CESA)26 Reviews
1.75%*
$1k-$997
Third Federal Savings and Loan (OH)25 Month IRA Special (Traditional, Roth, SEP)3 Reviews
1.75%
$100-$922
Matadors Community Credit Union24 Month IRA (Traditional, Roth)1 Review
1.75%
$10k-$885
Synchrony Bank24 Month IRA CD (Traditional, Roth)221 Reviews
1.75%*
$2k-$885
McGraw Hill FCU24 Month IRA Promo - New Money (Traditional, Roth, CESA)
1.75%*
$25k-$885
Kinecta FCU2 Year IRA (Traditional, Roth)3 Reviews
1.75%
$1k$100k$883
GTE Financial24 Month IRA Certificate (Traditional, CESA, Roth, SEP)21 Reviews
1.71%
$500-$865
Signature FCU24 Month IRA Certificate (Traditional, Roth, CESA)5 Reviews
1.70%
$500-$860
Northpointe Bank24 - 29 Month Fixed IRA19 Reviews
1.65%
$500-$878
Alliant Credit Union24 - 35 Month Jumbo CESA40 Reviews
1.65%
$25k-$878
Mutual of Omaha Bank25 Month IRA Special (Traditional, Roth, SEP)3 Reviews
1.65%
$1k-$869
Discover Bank24 Month IRA (Traditional, Roth)133 Reviews
1.65%
$2,500-$834
Ally BankIRA Raise Your Rate 2-Year CD (Traditional, Roth, SEP)572 Reviews
1.65%*
--$832
Chartway FCU24-35 Month IRA (Traditional, Roth, CESA)25 Reviews
1.61%*
$25k-$857
Apple FCU24 Month IRA (Traditional, Roth, CESA)22 Reviews
1.60%
$500-$809
Blue FCU24 Month IRA - Sapphire (Traditional, Roth)9 Reviews
1.60%
$2k-$809
Self-Help Credit Union24 Month IRA (Traditional, Roth)9 Reviews
1.56%
$500-$788
Self-Help FCU24 Month IRA (Traditional, Roth)2 Reviews
1.56%
$100-$788
State Department FCU24 Month IRA Certificate (Traditional, Roth)6 Reviews
1.56%
$500-$788
Northwest FCU2 Year IRA Certificate (Traditional, Roth, CESA, SEP)16 Reviews
1.56%*
$1k-$786
Grow Financial FCU24 - 29 Month IRA Certificate13 Reviews
1.55%
$500-$824
Quorum FCU25 Month IRA Term Savings (Traditional, Roth)6 Reviews
1.55%
$1k-$816
Bellco Credit Union24 Months IRA (Traditional, Roth, CESA)11 Reviews
1.55%
$500-$783
Capitol Federal Savings Bank27 Month IRA (Traditional, Roth, CESA)5 Reviews
1.50%
$1k-$854
Michigan State University FCU2 Year IRA (Traditional, Roth, CESA, SEP)7 Reviews
1.50%
$500-$798
Bethpage FCU24 Month IRA (Traditional, Roth)6 Reviews
1.50%
$50-$758
1.50%*
$25k-$758

Displaying 1-40 of 149 Results


2-Year IRA CD

The 2-Year IRA CD, or 24-Month IRA, is a tax-advantaged savings account that functions as a time deposit with a specific maturity date and set interest rate. An easy way to understand this product is to picture a big circle titled “IRA” with a little circle titled “CD” inside of it. The CD is the means by which the IRA gains value or interest. When you open an IRA CD, the IRA remains constant and the time deposit (i.e., the certificate of deposit) earns interest that is added to the account, typically on a monthly basis.

The IRA remains constant in the sense that it comes with rules that govern how an investor may use its tax advantages. You can liquidate an IRA CD at any point, but the proceeds will be subject to income tax or penalties when they lose their “IRA” covering. The IRS sets the contribution limits (which typically change every year) and distribution terms (which differ for Traditional and Roth accounts). CESA (Coverdell Education Savings Account) and SEP (Simplified Employee Pension) plans are also IRA options usually offered by banks and credit unions listed on DepositAccounts.

If you liquidate, or close out, a 2-Year IRA CD when the CD matures and decide not to roll the proceeds over to another IRA, you must report the money as taxable income. For banks and credit unions insured by the FDIC or NCUA, respectively, each individual depositor is insured up to $250,000 per institution. This is important to keep in mind if you plan to move the funds in your IRA in and out of CDs to take advantage of prevailing interest rates.




The rates and promotions displayed are gathered from various financial institutions and may not reflect all of the products 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 feedback@depositaccounts.com to report inaccurate data or to request rates or promotions be included in this chart. We are not affiliated with the financial institutions listed here.

* The APY 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.