2-Year CDs
Best 2-Year CD Rates
Two-year CDs let you hold a fixed rate through two full years of market changes. They’re useful for medium-range goals and for savers who think rates may come down. The top widely available listing in our table pays 4.91% APY, compared with a national average of 1.92%.
5 CD listings shown.
| Listing | APY | Term | Min. deposit | Early withdrawal | Display date ? | Actions |
|---|---|---|---|---|---|---|
| Brokered CD from an FDIC-insured bankListing #H28NM · details on inquiryBrokered · FDIC | up to 5.00% | 2 years | $1,000 | No bank penalty; can be sold on the secondary market, possibly for less than you paid | Brokerage's published rates |
Inquire about this CD for listing H28NM, 5.00% 2 years |
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| FDIC-insured bankListing #MBG2F · details on inquiryBank · FDIC | 4.91% | 2 years | $25,000 | Confirm with institution | CD marketplace data |
Inquire about this CD for listing MBG2F, 4.91% 2 years |
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| Online bankListing #P9HCH · details on inquiryBank · FDIC | 4.82% | 2 years | $500 | Confirm with institution | National rate survey |
Inquire about this CD for listing P9HCH, 4.82% 2 years |
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| Online bankListing #KAKY9 · details on inquiryBank · FDIC | 4.80% | 2 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing KAKY9, 4.80% 2 years |
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| Online bankListing #XU3ZP · details on inquiryBank · FDIC | 4.75% | 2 years | No minimum | Confirm with institution | National rate survey |
Inquire about this CD for listing XU3ZP, 4.75% 2 years |
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No listings match these filters. Try a different term or deposit amount, or tell us what you're looking for.
APY = annual percentage yield. Institution names are not published on this site; after you inquire, we share the details with you directly. The display date is today’s date in U.S. Eastern Time; it is not the date a rate was verified. We review listings regularly (last review: Oct 29, 2026) and keep a dated source record for every listing. Rates change often and may differ by region or deposit amount; confirm the current APY, minimum and early withdrawal terms with the institution before opening an account. "Up to" means the highest yield a brokerage displayed for that term. Rate methodology · How we make money · Important disclosures
Is a 2-year CD right for you?
Good fit if…
- Your goal is about two years out
- You want protection if rates fall over the next year
- You prefer fewer renewals to manage
Watch out for…
- Your money is committed for longer — be sure you won’t need it
- Penalties often run 6 to 12 months of interest
- High-minimum offers ($25,000+) sometimes top the table
What $10,000 could earn
Put $10,000 in the top widely available listing at 4.91% APY for 2 years and you’d earn about $1,006.11. At the 1.92% national average, the same deposit would earn about $387.69 — a difference of $618.42. These estimates assume the APY applies for the full term and interest stays in the CD. Try your own numbers in the CD calculator.
How to choose a 2-year CD
- Confirm the maturity date lines up with when you’ll need the money.
- Check the minimum deposit and any membership requirement.
- Read the early withdrawal penalty so you know the cost if plans change.
- Keep within insurance limits — $250,000 per depositor, per institution, per ownership category.
- Verify the live rate on the institution’s site before you apply.
2-Year CD FAQs
Are 2-year CDs a good idea right now?
How much does $25,000 earn in a 2-year CD?
Can I add money to a 2-year CD?
No questions match that search. Ask us directly.
Want help choosing a 2-year CD?
Tell us your term, deposit and timing. We’ll point you to CD options that fit, at no cost.