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.

Featured CD Rates

Bank/Credit Union

Min. Deposit

APY

Learn More


$1

3-month APY 5.21%
6-month APY 5.41%
12-month APY 5.51%


$2500

12-month APY 5.00%
18-month APY 5.00%
24-month APY 4.30%


$1

3-month APY 5.40%
6-month APY 4.00%
9-month APY 5.50%


$1000

13-month APY 4.65%
18-month APY 4.60%
24-month APY 0.40%


$500

6-month APY 5.05%
12-month APY 5.30%
24-month APY 4.50%


$1

5-month APY 5.40%
12-month APY 4.20%
15-month APY 4.50%


$1

14-month APY 5.40%
23-month APY 5.00%
27-month APY 5.15%


No-penalty | 3-Month | 6-Month | 1-Year | 2-year | 3-year | 4-year | 5-year

Best 2-Year CD Rates Ranked by APY

116 Results

Luana Savings Bank 24-month Jumbo CD
Luana Savings Bank
24-month Jumbo CD
APY
5.37%
Min
$100,000
Max
-

United States Senate Federal Credit Union 24-months Plus Jumbo Business CD
United States Senate Federal Credit Union
24-months Plus Jumbo Business CD
APY
5.28%
Min
$200,000
Max
-

United States Senate Federal Credit Union 24-months Plus Jumbo CD
APY
5.28%
Min
$200,000
Max
-

Amerant Bank 24-month Online CD
Amerant Bank
24-month Online CD
APY
5.25%
Min
$500
Max
$250k

Signature Federal Credit Union 24-month CD
APY
5.25%
Min
$500
Max
-

Amerant Bank 24-month Online CD
Amerant Bank
24-month Online CD
APY
5.25%
Min
$500
Max
$250k

United States Senate Federal Credit Union 24-months Jumbo CD
APY
5.23%
Min
$100,000
Max
$200k

United States Senate Federal Credit Union 24-months Jumbo Business CD
APY
5.23%
Min
$100,000
Max
$200k

Luana Savings Bank 24-month CD
APY
5.22%
Min
$2,000
Max
$100k

Rising Bank 2-Year Jumbo CD
Rising Bank
2-Year Jumbo CD
APY
5.20%
Min
$100,000
Max
-

United States Senate Federal Credit Union 24-months CD
APY
5.18%
Min
$1,000
Max
$100k

United States Senate Federal Credit Union 24-months Business CD
APY
5.18%
Min
$1,000
Max
$100k

Rising Bank 2-Year CD
Rising Bank
2-Year CD
APY
5.15%
Min
$1,000
Max
-

Crescent Bank 24-month CD
Crescent Bank
24-month CD
APY
5.00%
Min
$1,000
Max
-

Bread Bank 2-Year CD
Bread Bank
2-Year CD
APY
5.00%
Min
$1,500
Max
$1,000k

Popular Direct 24-month CD
Popular Direct
24-month CD
APY
4.90%
Min
$10,000
Max
-

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

First Internet Bank 24-months High Yield CD
First Internet Bank
24-months High Yield CD
APY
4.85%
Min
$1,000
Max
-

NexBank 24-month Standard CD
NexBank
24-month Standard CD
APY
4.80%
Min
$10,000
Max
$25k

America First Credit Union 24-29 months CD
APY
4.75%
Min
$500
Max
-

Seattle Bank 24-month CD
Seattle Bank
24-month CD
APY
4.70%
Min
$1,000
Max
$220k

Colorado Federal Savings Bank 24-month CD
APY
4.70%
Min
$5,000
Max
-

La Capitol Federal Credit Union 2-Year Super Saver Share Certificate
La Capitol Federal Credit Union
2-Year Super Saver Share Certificate
APY
4.70%
Min
$100,000
Max
-

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

La Capitol Federal Credit Union 2-Year Mega Saver With One-Time Bump
La Capitol Federal Credit Union
2-Year Mega Saver With One-Time Bump
APY
4.65%
Min
$100,000
Max
-

Barclays Bank 24-month CD
Barclays Bank
24-month CD
APY
4.60%
Min
-
Max
-

Fort Liberty Federal Credit Union 24-months Jumbo Share Certificate
Fort Liberty Federal Credit Union
24-months Jumbo Share Certificate
APY
4.60%
Min
$25,000
Max
-

America First Credit Union 24-29 months Bump-Rate CD
America First Credit Union
24-29 months Bump-Rate CD
APY
4.60%
Min
$500
Max
-

Valley Direct 24-month CD
Valley Direct
24-month CD
APY
4.60%
Min
$500
Max
$500k

La Capitol Federal Credit Union 2-Year Thrifty Saver Share Certificate
La Capitol Federal Credit Union
2-Year Thrifty Saver Share Certificate
APY
4.60%
Min
$1,000
Max
-

NASA Federal Credit Union 24-month CD
APY
4.60%
Min
$1,000
Max
-

Alliant Credit Union 24-month Jumbo CD
Alliant Credit Union
24-month Jumbo CD
APY
4.55%
Min
$75,000
Max
-

Quontic Bank 2-Year CD
Quontic Bank
2-Year CD
APY
4.50%
Min
$500
Max
-

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

Fort Liberty Federal Credit Union 24-months Share Certificate
Fort Liberty Federal Credit Union
24-months Share Certificate
APY
4.50%
Min
$500
Max
-

North American Savings Bank 24-month CD
APY
4.50%
Min
$5,000
Max
-

NASA Federal Credit Union 24-month Bump Rate CD
NASA Federal Credit Union
24-month Bump Rate CD
APY
4.50%
Min
$1,000
Max
-

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

TAB Bank 24-month CD
TAB Bank
24-month CD
APY
4.45%
Min
$1,000
Max
-

TAB Bank 24-month Business CD
TAB Bank
24-month Business CD
APY
4.45%
Min
$1,000
Max
-

Capital One Bank 360 24-month CD
Capital One Bank
360 24-month CD
APY
4.40%
Min
$1
Max
-

Synchrony Bank 24-month CD
Synchrony Bank
24-month CD
APY
4.40%
Min
$1
Max
-

Marcus by Goldman Sachs 2-Year CD
APY
4.40%
Min
$500
Max
$1,000k

EverBank 2-Year CD
EverBank
2-Year CD
APY
4.40%
Min
$1,000
Max
-

Chevron Federal Credit Union 24-months Share Certificate
Chevron Federal Credit Union
24-months Share Certificate
APY
4.30%
Min
$250,000
Max
-

Spectrum Credit Union 24-months Share Certificate
Spectrum Credit Union
24-months Share Certificate
APY
4.30%
Min
$250,000
Max
-

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

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

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

HSBC 24-months Online CD
HSBC
24-months Online CD
APY
4.25%
Min
$1,000
Max
$2,000k

Chevron Federal Credit Union 24-months Share Certificate
Chevron Federal Credit Union
24-months Share Certificate
APY
4.25%
Min
$100,000
Max
-

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

Spectrum Credit Union 24-months Share Certificate
Spectrum Credit Union
24-months Share Certificate
APY
4.25%
Min
$100,000
Max
-

Chevron Federal Credit Union 24-months Share Certificate
Chevron Federal Credit Union
24-months Share Certificate
APY
4.20%
Min
$500
Max
-

Chevron Federal Credit Union 24-months Share Certificate
Chevron Federal Credit Union
24-months Share Certificate
APY
4.20%
Min
$50,000
Max
-

Spectrum Credit Union 24-months Share Certificate
Spectrum Credit Union
24-months Share Certificate
APY
4.20%
Min
$500
Max
-

Spectrum Credit Union 24-months Share Certificate
Spectrum Credit Union
24-months Share Certificate
APY
4.20%
Min
$50,000
Max
-

Seattle Bank 24-month Bump-Up CD
Seattle Bank
24-month Bump-Up CD
APY
4.15%
Min
$1,000
Max
$220k

EverBank 2.5 Year CD
EverBank
2.5 Year CD
APY
4.10%
Min
$1,000
Max
-

Synchrony Bank 24-month Bump-Up CD
Synchrony Bank
24-month Bump-Up CD
APY
4.00%
Min
$1
Max
-

Newtek Bank 24-month CD
Newtek Bank
24-month CD
APY
4.00%
Min
$2,500
Max
$250k

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

Virtual Bank 24-month CD
Virtual Bank
24-month CD
APY
3.77%
Min
-
Max
-

Ally Bank 2-Year Raise Your Rate CD
Ally Bank
2-Year Raise Your Rate CD
APY
3.75%
Min
$1
Max
-

Teachers Federal Credit Union 24-month CD
APY
3.75%
Min
$1,000
Max
$100k

MainStreet Bank 2-Year CD
APY
3.50%
Min
$500
Max
-

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

MainStreet Bank 2-Year Business CD
MainStreet Bank
2-Year Business 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
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
United Texas Bank
24-month Business CD
APY
3.45%
Min
$1,000
Max
-

Citizens Access 2-Year Online High Yield CD
Citizens Access
2-Year Online High Yield CD
APY
3.30%
Min
$5,000
Max
-

Magnifi Financial 24 month Boom! CD Youth Account
Magnifi Financial
24 month Boom! CD Youth Account
APY
3.30%
Min
$250
Max
$8k

Magnifi Financial 24-month Jumbo CD
Magnifi Financial
24-month Jumbo CD
APY
3.25%
Min
$150,000
Max
-

Finworth 2-Year CD
Finworth
2-Year CD
APY
3.20%
Min
$50,000
Max
$240k

Magnifi Financial 24-month Jumbo CD
Magnifi Financial
24-month Jumbo CD
APY
3.15%
Min
$100,000
Max
$150k

Magnifi Financial 24-month CD
APY
3.10%
Min
$50,000
Max
$100k

NuVision Credit Union 2-Year Jumbo CD
NuVision Credit Union
2-Year Jumbo CD
APY
3.05%
Min
$100,000
Max
-

Magnifi Financial 24-month CD
APY
3.05%
Min
$25,000
Max
$50k

NuVision Credit Union 2-Year CD
APY
3.00%
Min
$50,000
Max
-

Forbright 24-month Online CD
Forbright
24-month Online CD
APY
3.00%
Min
$1,000
Max
-

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

Magnifi Financial 24-month CD
APY
3.00%
Min
$500
Max
$25k

NuVision Credit Union 2-Year CD
APY
2.95%
Min
$25,000
Max
-

NuVision Credit Union 2-Year CD
APY
2.90%
Min
$1,000
Max
-

Thrivent Credit Union 24-month CD
APY
2.80%
Min
$1,000
Max
-

Affinity Plus Federal Credit Union 24-month CD
APY
2.75%
Min
$500
Max
-

Amerant Bank 24-month CD
Amerant Bank
24-month CD
APY
2.75%
Min
$10,000
Max
$250k

UNIFY Financial Credit Union 24-month Jumbo CD
APY
2.70%
Min
$100,000
Max
-

UNIFY Financial Credit Union 24-month CD
APY
2.55%
Min
$40,000
Max
-

Citibank 2-Year Fixed Rate CD
Citibank
2-Year Fixed Rate CD
APY
2.50%
Min
$500
Max
-

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

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

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

UNIFY Financial Credit Union 24-month CD
APY
2.40%
Min
$1,000
Max
-

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

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

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

USALLIANCE Financial 24-month CD
APY
2.10%
Min
$500
Max
-

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

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

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

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

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

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

Third Federal Savings & Loan 24-months CD
APY
1.50%
Min
$50
Max
-

American First Credit Union 24-month CD
APY
1.20%
Min
$1,000
Max
-

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

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

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

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

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

CIT Bank 2-Year Jumbo CD
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
-

BMO Harris Bank 24-month Standard CD*
BMO Harris Bank
24-month Standard CD*
APY
0.05%
Min
$1,000
Max
-