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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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Deposit Amount
$1 $100,000
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Include credit unions with membership based on any industries that you or immediate family members currently or have previously worked in:

151 Results


Nationwide Only
U S Postal Service FCU24 Month IRA (Traditional, Roth, CESA)1 Review
1.75%
$250-$885
Connexus Credit Union24 Month IRA Certificate (Traditional, Roth)24 Reviews
1.70%
$5k-$860
EverBank2 Year Yield Pledge IRA (Traditional, Roth)22 Reviews
1.65%
$5k-$832
Synchrony Bank24 Month IRA CD (Traditional, Roth)155 Reviews
1.60%*
$2k-$809
First Internet Bank of IN24 Month IRA (Traditional, Roth, CESA)6 Reviews
1.57%
$1k-$793
Melrose Credit Union2 Year Share IRA Certificate (Traditional, Roth, CESA)20 Reviews
1.56%
$4k-$786
Bellco CU (CO)24 Months IRA (Traditional, Roth, CESA)4 Reviews
1.55%
$500-$783
1.55%
$2k-$783
1.55%
$500-$783
State Farm Bank28 Month IRA Special (Traditional, Roth)29 Reviews
1.50%*
$500-$886
Mutual of Omaha Bank25 Month IRA Special (Traditional, Roth, CESA, SEP)3 Reviews
1.50%
$1k-$789
Bethpage FCU24 Month IRA (Traditional, Roth, SEP, SIMPLE)5 Reviews
1.50%
$50-$758
Navy FCU24 Month IRA (Traditional, Roth, SEP)121 Reviews
1.50%*
$20k-$758
Andrews FCU24 Month Jumbo IRA Certificate (Traditional, Roth, CESA)24 Reviews
1.50%
$10k-$758
Home Savings Bank24 Month Internet Only IRA Special
1.50%
$5k$250k$758
Quorum FCU25 Month IRA Term Savings (Traditional, Roth)4 Reviews
1.46%
$1k-$768
State Department FCU24 Month IRA Certificate (Traditional, Roth)4 Reviews
1.46%
$500-$737
1.46%
$1k-$735
Evansville Teachers FCU2 Year IRA (Traditional, Roth, CESA)1 Review
1.45%
$1k-$730
Chevron FCU2-Year IRA (Traditional, Roth)4 Reviews
1.45%
$500-$730
Chartway FCU24-35 Month IRA (Traditional, Roth, CESA)20 Reviews
1.41%*
$25k-$749
GTE Financial24 Month IRA Certificate - Member Advantage (Traditional, CESA, Roth, SEP)12 Reviews
1.41%
$500-$712
Northpointe Bank24 - 29 Month Fixed IRA9 Reviews
1.40%
$5k-$744
Mountain America Credit Union24 Month IRA (Traditional, Roth)15 Reviews
1.40%
$500-$707
Premier America Credit Union24 Month IRA (Traditional, Roth, CESA)6 Reviews
1.40%*
$25k-$707
Blue FCU24 Month IRA - Sapphire (Traditional, Roth)7 Reviews
1.40%
$2k-$707
Salem Five24 Month IRA Special (Traditional, Roth, CESA, SEP)7 Reviews
1.40%
$2k-$707
CIT Bank2 Year Term IRA CD (Traditional, Roth)128 Reviews
1.40%
$1k-$705
Ally BankIRA Raise Your Rate 2-Year CD (Traditional, Roth, SEP)428 Reviews
1.40%*
$25k-$705
Northwest FCU2 Year IRA Certificate (Traditional, Roth, CESA, SEP)14 Reviews
1.36%*
$1k-$685
Alliant Credit Union24 - 35 Month Jumbo Roth IRA36 Reviews
1.35%
$25k-$717
Xcel FCU24 Month CESA7 Reviews
1.35%
$5k-$681
Discover Bank24 Month IRA (Traditional, Roth)111 Reviews
1.35%
$2,500-$681
Pinnacle FCU24 Month IRA (Traditional, Roth, CESA)4 Reviews
1.32%
$500-$666
Hughes FCU24 Month IRA (Traditional, Roth, SEP)
1.31%
$1k$50k$661
Self-Help FCU24 Month IRA
1.31%
$100-$661
1.31%
$500-$661
Matadors Community Credit Union24 Month IRA (Traditional, Roth)1 Review
1.30%*
$1k-$656
AgFed Credit Union24 Month IRA Certificate (Traditional, Roth, CESA)
1.30%
$1k-$656
Credit Union of America24 Month IRA Certificate (Traditional, CESA, Roth)
1.30%
$500-$656

Displaying 1-40 of 151 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.