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You are here: Home / Banking / Best 2-Year CD Rates

Best 2-Year CD Rates

January 30, 2023 by Rob Berger

A 2-year CD may be ideal for those with short-term cash needs. It may also be suited for those who do not want to take on the interest rate risk of longer term CDs and other fixed income investments. Below we list the best 2-year CD rates in our database, ordered from highest APY to lowest.

Note that you may be able to find better rates with alternative account types. For example, online savings accounts or no-penalty CDs may offer higher yields.

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  • 12-Month No-Penalty CD
  • APY: 4.60%
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24-Month Certificate of Deposit Rates

88 Results

Fidelity
2-year New Issue CD
APY
5.25%
Min
$100
Max
-

Bread Bank
2-Year CD
APY
5.10%
Min
$1,500
Max
$1,000k

Idabel National Bank
24-Month CD via SaveBetter
APY
4.90%
Min
$1
Max
-

USALLIANCE Financial
24-month CD
APY
4.85%
Min
$500
Max
-

General Electric Credit Union
2 Year Jumbo+ CD
APY
4.75%
Min
$250,000
Max
-

First Internet Bank
24-months High Yield CD
APY
4.70%
Min
$1,000
Max
-

Crescent Bank
24-month CD
APY
4.65%
Min
$1,000
Max
-

American First Credit Union
24-month CD via SaveBetter
APY
4.65%
Min
$1
Max
-

Popular Direct
24-month CD
APY
4.60%
Min
$10,000
Max
-

General Electric Credit Union
2 Year Jumbo CD
APY
4.60%
Min
$100,000
Max
-

Affinity Plus Federal Credit Union
24-month CD
APY
4.50%
Min
$500
Max
-

United States Senate Federal Credit Union
24-35 months Plus Jumbo Business CD
APY
4.45%
Min
$200,000
Max
-

Alliant Credit Union
24-month CD
APY
4.45%
Min
$1,000
Max
-

United States Senate Federal Credit Union
24-35 months Plus Jumbo CD
APY
4.45%
Min
$200,000
Max
-

Quontic Bank
2-Year CD
APY
4.40%
Min
$500
Max
-

General Electric Credit Union
2 Year CD
APY
4.40%
Min
-
Max
-

United States Senate Federal Credit Union
24-35 months Jumbo CD
APY
4.39%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union
24-35 months Jumbo Business CD
APY
4.39%
Min
$100,000
Max
$200k

Luana Savings Bank
24-month Jumbo CD
APY
4.35%
Min
$100,000
Max
-

Colorado Federal Savings Bank
24-month CD
APY
4.35%
Min
$5,000
Max
-

Marcus by Goldman Sachs
2-Year CD
APY
4.35%
Min
$500
Max
$1,000k

United States Senate Federal Credit Union
24-35 months CD
APY
4.34%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union
24-35 months Business CD
APY
4.34%
Min
$1,000
Max
$100k

Capital One Bank
360 24-month CD
APY
4.30%
Min
$1
Max
-

HSBC
24-months Online CD
APY
4.30%
Min
$1,000
Max
$2,000k

Synchrony Bank
24-month CD
APY
4.30%
Min
$1
Max
-

Discover Bank
24-month High Yield CD
APY
4.30%
Min
$2,500
Max
-

Discover Bank
24-month IRA CD
APY
4.30%
Min
$2,500
Max
-

La Capitol Federal Credit Union
2-Year Super Saver Share Certificate
APY
4.30%
Min
$100,000
Max
-

TIAA Bank
2-Year Basic CD
APY
4.30%
Min
$1,000
Max
-

Ponce Bank
24-month High Yield CD
APY
4.30%
Min
$1,000
Max
-

American Express Bank
24-Month CD
APY
4.25%
Min
$1
Max
-

BMO Harris Bank
24-month Standard CD*
APY
4.20%
Min
$1,000
Max
-

La Capitol Federal Credit Union
2-Year Mega Saver With One-Time Bump
APY
4.20%
Min
$100,000
Max
-

Luana Savings Bank
24-month CD
APY
4.19%
Min
$2,000
Max
$100k

Chevron Federal Credit Union
24-months Share Certificate
APY
4.15%
Min
$250,000
Max
-

Spectrum Credit Union
24-months Share Certificate
APY
4.15%
Min
$250,000
Max
-

Chevron Federal Credit Union
24-months Share Certificate
APY
4.10%
Min
$100,000
Max
-

Spectrum Credit Union
24-months Share Certificate
APY
4.10%
Min
$100,000
Max
-

La Capitol Federal Credit Union
2-Year Thrifty Saver Share Certificate
APY
4.10%
Min
$1,000
Max
-

Chevron Federal Credit Union
24-months Share Certificate
APY
4.05%
Min
$500
Max
-

Chevron Federal Credit Union
24-months Share Certificate
APY
4.05%
Min
$50,000
Max
-

Spectrum Credit Union
24-months Share Certificate
APY
4.05%
Min
$500
Max
-

Spectrum Credit Union
24-months Share Certificate
APY
4.05%
Min
$50,000
Max
-

NexBank
24-month Standard CD
APY
4.00%
Min
$10,000
Max
$25k

TIAA Bank
2.5 Year Basic CD
APY
4.00%
Min
$1,000
Max
-

TAB Bank
24-month CD
APY
4.00%
Min
$1,000
Max
-

TAB Bank
24-month Business CD
APY
4.00%
Min
$1,000
Max
-

UmbrellaBank
24-month CD
APY
3.95%
Min
$10,000
Max
-

Rising Bank
2-Year Jumbo CD
APY
3.85%
Min
$100,000
Max
-

Rising Bank
2-Year CD
APY
3.80%
Min
$1,000
Max
-

My Banking Direct
24-Month CD
APY
3.75%
Min
$500
Max
-

Synchrony Bank
24-month Bump-Up CD
APY
3.70%
Min
$1
Max
-

XCEL Federal Credit Union
24-months CD
APY
3.50%
Min
$500
Max
-

Credit Union of the Rockies
24-month CD
APY
3.50%
Min
$500
Max
-

Credit Union of the Rockies
24-month Baby-Jumbo CD
APY
3.50%
Min
$50,000
Max
-

United Texas Bank
24-month CD
APY
3.45%
Min
$1,000
Max
-

United Texas Bank
24-month Business CD
APY
3.45%
Min
$1,000
Max
-

Fort Bragg Federal Credit Union
24-months Step-Up+ Jumbo Share Certificate
APY
3.35%
Min
$25,000
Max
-

Ally Bank
2-Year Raise Your Rate CD
APY
3.30%
Min
$1
Max
-

Fort Bragg Federal Credit Union
24-months Share Certificate
APY
3.25%
Min
$500
Max
-

Fort Bragg Federal Credit Union
24-months Step-Up+ Share Certificate
APY
3.25%
Min
$5,000
Max
-

INSBANK
2-Year CD
APY
3.20%
Min
$2,500
Max
-

Liberty Federal Credit Union
2-Year CD
APY
3.00%
Min
$1,000
Max
-

Teachers Federal Credit Union
24-month CD
APY
2.75%
Min
$1,000
Max
$100k

Bank Financial
2-Year CD
APY
2.50%
Min
$1,000
Max
-

Bank Financial
2-Year Business CD
APY
2.50%
Min
$1,000
Max
-

Bank Financial
Goal Setter 2-Year CD
APY
2.50%
Min
$1,000
Max
-

BrioDirect
24-month High Yield CD
APY
2.30%
Min
$500
Max
-

TIAA Bank
2-Year Business CD
APY
2.20%
Min
$1,500
Max
-

Zeal Credit Union
24-months Jumbo CD
APY
2.10%
Min
$100,000
Max
-

Citibank
2-Year Fixed Rate CD
APY
2.00%
Min
$500
Max
-

Live Oak Bank
2-Year CD
APY
2.00%
Min
$2,500
Max
$250k

Live Oak Bank
2-Year Business CD
APY
2.00%
Min
$2,500
Max
$250k

Zeal Credit Union
24-months CD
APY
2.00%
Min
$25,000
Max
$100k

Zeal Credit Union
24-months CD
APY
1.90%
Min
$1,000
Max
$25k

Abound Credit Union
24-month CD
APY
1.75%
Min
$500
Max
-

Abound Credit Union
24-month Business CD
APY
1.75%
Min
$500
Max
-

American Bank
24-month CD
APY
1.50%
Min
$500
Max
-

American Bank
24-month Business CD
APY
1.50%
Min
$500
Max
-

State Exchange Bank
24-month High Yield CD via SaveBetter
APY
1.36%
Min
$1
Max
-

Continental Bank
2-Year High Yield CD
APY
0.85%
Min
$25,000
Max
-

Bank Financial
Goal Setter 2-Year CD
APY
0.75%
Min
$25
Max
$1k

ConnectOne Bank
24-month CD
APY
0.50%
Min
$500
Max
-

Banesco USA
BaneSmart 24-Month CD
APY
0.50%
Min
$1,500
Max
-

CIT Bank
2-Year Term CD
APY
0.40%
Min
$1,000
Max
-

CIT Bank
2-Year Jumbo CD
APY
0.40%
Min
$100,000
Max
-

Nationwide by Axos Bank
24-month CD
APY
0.20%
Min
$500
Max
-

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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Featured High Yield Bank Accounts

12-month CD via SaveBetter
APY: 5.01%

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APY: 5.15%
12-month No Penalty CD via SaveBetter
APY: 4.60%

Preferred Savings
APY: 5.02%

 

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Rate Disclosure

We work hard to make sure the information on this site is accurate. There is no guarantee, however, that it is. So please confirm rates, terms, and all other information directly with the bank, credit union, credit card issuer, or other financial institution before opening an account or otherwise making a financial decision.

About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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