Highest 2-Year CD Rates
Compare 24-Month CD rates from 105 banks

By Aviel Fahl

Rates verified: August 21, 2026

Top 10 Rates:4.08-4.45% APYFDIC or NCUA Insured

151 active 24-month cd products tracked

All Terms 3-Month CD 6-Month CD 9-Month CD 12-Month CD 18-Month CD 24-Month CD 36-Month CD 48-Month CD 60-Month CD

Top 50 2-Year CD Rates

Ordered by highest APY. Showing the top 50 of 151 24-month cd products tracked across 105 banks.

Rates verified: Friday, August 21, 2026

Top 50 CD terms from 37 banks,sorted by highest APY

#	Institution & CD	Rate & Features	Minimum Deposit
#1	Popular Direct 24 Months Term: 24 months	4.45%APY Verified: Aug 20, 2026 Access: Online only	$10,000
#2	E*TRADE from Morgan Stanley 24-Month Certificates of Deposit Term: 24 months	4.30%APY Verified: Aug 21, 2026 Access: Online only	$0
#3	Happen Bank 2-Year CD Term: 24 months	4.30%APY Verified: Aug 20, 2026 Access: Online only	$500
#4	Marcus by Goldman Sachs 2 Year CD Term: 24 months	4.30%APY Verified: Aug 21, 2026 Access: Online only	$500
#5	Bread Savings 2-Year CD Term: 24 months	4.25%APY Verified: Aug 20, 2026 Access: Online only	$1,500
#6	Sallie Mae Bank 24-Month Certificates of deposit CDs Term: 24 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#7	Synchrony Bank 24 Month CD Term: 24 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#8	Synchrony Bank 24 Month IRA CD Term: 24 months	4.25%APY Verified: Aug 21, 2026 Access: Online only	$0
#9	TAB Bank 24-Month CD Term: 24 months	4.15%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#10	Grant County Bank 24-Month CD Term: 24 months	4.08%APY Verified: Aug 20, 2026 Access: Branch access	$100
#11	Grant County Bank 24-Month Variable Rate CD Term: 24 months	4.08%APY Verified: Aug 20, 2026 Access: Branch access	$100
#12	F&M Bank and Trust Company 24 Month CD Special Term: 24 months	4.06%APY Verified: Aug 21, 2026 Access: Branch access	$5,000
#13	Bask Bank 24-Month Term: 24 months	4.05%APY Verified: Aug 21, 2026 Access: Online only	$1,000
#14	First Federal Savings and Loan Association of Lakewood 24-Month CD Special Term: 24 months	4.05%APY Verified: Aug 21, 2026 Access: Branch access	$500
#15	First Federal Bank of Kansas City 24-Month CD Term: 24 months	4.01%APY Verified: Aug 21, 2026 Access: Branch access	N/A
#16	Colorado Federal Savings Bank 24-Month CD Term: 24 months	4.00%APY Verified: Aug 20, 2026 Access: Online only	$5,000
#17	Poppy Bank 24-Month IRA CD Term: 24 months	4.00%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#18	Farm Bureau Bank FSB 2 Year CD Term: 24 months	3.95%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#19	FinWise Bank 24-Month Certificate Term: 24 months	3.84%APY Verified: Aug 16, 2026 Access: Branch access	$500
#20	Citibank 2-Year CD Term: 24 months	3.80%APY Verified: Aug 21, 2026 Access: Branch access	$500
#21	Newtek Bank 24-Month CD Term: 24 months	3.80%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#22	Global Bank 24-Month Certificate of Deposit Term: 24 months	3.75%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#23	Newtek Bank 24-Month CD Term: 24 months	3.75%APY Verified: Aug 21, 2026 Access: Online only	$2,500
#24	Farm Bureau Bank FSB 2 Year CD with Step-Up Option Term: 24 months	3.70%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#25	Flagstar Bank 24-Month CD Term: 24 months	3.70%APY Verified: Aug 19, 2026 Access: Branch access	$500
#26	FirstBank of Nebraska 24 Month CD Term: 24 months	3.65%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#27	FirstBank of Nebraska 24 Month IRA CD Term: 24 months	3.65%APY Verified: Aug 19, 2026 Access: Branch access	$1,000
#28	Zynlo Bank 24-Month CD Term: 24 months	3.65%APY Verified: Aug 21, 2026 Access: Online only	$0
#29	Farmers and Merchants Union Bank 24 Month IRA CD Term: 24 months	3.59%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#30	Garden Plain State Bank 2 Year CD Term: 24 months	3.55%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#31	Farmers and Merchants Union Bank 24 Month CD Term: 24 months	3.54%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#32	Farmers and Merchants Union Bank 24 Month HSA CD Term: 24 months	3.54%APY Verified: Aug 21, 2026 Access: Branch access	$1,000
#33	First State Bank 24 Month CD Term: 24 months	3.54%APY Verified: Aug 15, 2026 Access: Branch access	$1,000
#34	Capital One 24-Month CD Term: 24 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$0
#35	Farmers & Merchants State Bank 24 Month Reverse CD Term: 24 months	3.50%APY Verified: Aug 21, 2026 Access: Branch access	$500
#36	Forbright Bank 24-Month Growth CD Term: 24 months	3.50%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#37	Forbright Bank 24-29 Month CD Term: 24-29 months	3.50%APY Verified: Aug 20, 2026 Access: Branch access	$1,000
#38	Garden Plain State Bank 2 Year IRA CD Term: 24 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#39	Global Bank 24-Month Traditional IRA CD Term: 24 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#40	Global Bank 24-Month Roth IRA CD Term: 24 months	3.50%APY Verified: Aug 16, 2026 Access: Branch access	$1,000
#41	Salem Five Direct 24-Month Special CD Term: 24 months	3.50%APY Verified: Aug 19, 2026 Access: Online only	$10,000
#42	Vio Bank 24-Month Online Certificate of Deposit CD Term: 24 months	3.50%APY Verified: Aug 20, 2026 Access: Online only	$500
#43	First Exchange Bank 24 Month Special CD Term: 24 months	3.49%APY Verified: Aug 15, 2026 Access: Branch access	$10,000
#44	Customers Bank 24-Month CD Term: 24 months	3.45%APY Verified: Aug 19, 2026 Access: Branch access	$500
#45	Peoples State Bank of Plainview 24-Month CD Term: 24 months	3.44%APY Verified: Aug 19, 2026 Access: Branch access	$250
#46	EverBank 24-Month CD Term: 24 months	3.40%APY Verified: Aug 20, 2026 Access: Online only	$1,000
#47	First Exchange Bank 24 Month CD Term: 24 months	3.39%APY Verified: Aug 15, 2026 Access: Branch access	$500
#48	Peak Bank 24-Month CD Term: 24 months	3.34%APY Verified: Aug 21, 2026 Access: Online only	$500
#49	Farmers & Merchants State Bank 24 Month CD Term: 24 months	3.25%APY Verified: Aug 21, 2026 Access: Branch access	$500
#50	Northeast Bank 2 Year CD Term: 24 months	3.25%APY Verified: Aug 21, 2026 Access: Branch access	$5,000

Popular Direct

24 Months

Term: 24 months

4.45%

APY

Verified: Aug 20, 2026

Min Deposit

$10,000

Access

Online only

E*TRADE from Morgan Stanley

24-Month Certificates of Deposit

Term: 24 months

4.30%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Happen Bank

2-Year CD

Term: 24 months

4.30%

APY

Verified: Aug 20, 2026

Min Deposit

$500

Access

Online only

Marcus by Goldman Sachs

2 Year CD

Term: 24 months

4.30%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

Bread Savings

2-Year CD

Term: 24 months

4.25%

APY

Verified: Aug 20, 2026

Min Deposit

$1,500

Access

Online only

Sallie Mae Bank

24-Month Certificates of deposit CDs

Term: 24 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

Synchrony Bank

24 Month CD

Term: 24 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

Synchrony Bank

24 Month IRA CD

Term: 24 months

4.25%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

TAB Bank

24-Month CD

Term: 24 months

4.15%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#10

Grant County Bank

24-Month CD

Term: 24 months

4.08%

APY

Verified: Aug 20, 2026

Min Deposit

$100

Access

Branch access

#11

Grant County Bank

24-Month Variable Rate CD

Term: 24 months

4.08%

APY

Verified: Aug 20, 2026

Min Deposit

$100

Access

Branch access

#12

F&M Bank and Trust Company

24 Month CD Special

Term: 24 months

4.06%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access

#13

Bask Bank

24-Month

Term: 24 months

4.05%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Online only

#14

First Federal Savings and Loan Association of Lakewood

24-Month CD Special

Term: 24 months

4.05%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#15

First Federal Bank of Kansas City

24-Month CD

Term: 24 months

4.01%

APY

Verified: Aug 21, 2026

Min Deposit

N/A

Access

Branch access

#16

Colorado Federal Savings Bank

24-Month CD

Term: 24 months

4.00%

APY

Verified: Aug 20, 2026

Min Deposit

$5,000

Access

Online only

#17

Poppy Bank

24-Month IRA CD

Term: 24 months

4.00%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#18

Farm Bureau Bank FSB

2 Year CD

Term: 24 months

3.95%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#19

FinWise Bank

24-Month Certificate

Term: 24 months

3.84%

APY

Verified: Aug 16, 2026

Min Deposit

$500

Access

Branch access

#20

Citibank

2-Year CD

Term: 24 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#21

Newtek Bank

24-Month CD

Term: 24 months

3.80%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#22

Global Bank

24-Month Certificate of Deposit

Term: 24 months

3.75%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#23

Newtek Bank

24-Month CD

Term: 24 months

3.75%

APY

Verified: Aug 21, 2026

Min Deposit

$2,500

Access

Online only

#24

Farm Bureau Bank FSB

2 Year CD with Step-Up Option

Term: 24 months

3.70%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#25

Flagstar Bank

24-Month CD

Term: 24 months

3.70%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#26

FirstBank of Nebraska

24 Month CD

Term: 24 months

3.65%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#27

FirstBank of Nebraska

24 Month IRA CD

Term: 24 months

3.65%

APY

Verified: Aug 19, 2026

Min Deposit

$1,000

Access

Branch access

#28

Zynlo Bank

24-Month CD

Term: 24 months

3.65%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Online only

#29

Farmers and Merchants Union Bank

24 Month IRA CD

Term: 24 months

3.59%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#30

Garden Plain State Bank

2 Year CD

Term: 24 months

3.55%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#31

Farmers and Merchants Union Bank

24 Month CD

Term: 24 months

3.54%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#32

Farmers and Merchants Union Bank

24 Month HSA CD

Term: 24 months

3.54%

APY

Verified: Aug 21, 2026

Min Deposit

$1,000

Access

Branch access

#33

First State Bank

24 Month CD

Term: 24 months

3.54%

APY

Verified: Aug 15, 2026

Min Deposit

$1,000

Access

Branch access

#34

Capital One

24-Month CD

Term: 24 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

Access

Branch access

#35

Farmers & Merchants State Bank

24 Month Reverse CD

Term: 24 months

3.50%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#36

Forbright Bank

24-Month Growth CD

Term: 24 months

3.50%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#37

Forbright Bank

24-29 Month CD

Term: 24-29 months

3.50%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Branch access

#38

Garden Plain State Bank

2 Year IRA CD

Term: 24 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#39

Global Bank

24-Month Traditional IRA CD

Term: 24 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#40

Global Bank

24-Month Roth IRA CD

Term: 24 months

3.50%

APY

Verified: Aug 16, 2026

Min Deposit

$1,000

Access

Branch access

#41

Salem Five Direct

24-Month Special CD

Term: 24 months

3.50%

APY

Verified: Aug 19, 2026

Min Deposit

$10,000

Access

Online only

#42

Vio Bank

24-Month Online Certificate of Deposit CD

Term: 24 months

3.50%

APY

Verified: Aug 20, 2026

Min Deposit

$500

Access

Online only

#43

First Exchange Bank

24 Month Special CD

Term: 24 months

3.49%

APY

Verified: Aug 15, 2026

Min Deposit

$10,000

Access

Branch access

#44

Customers Bank

24-Month CD

Term: 24 months

3.45%

APY

Verified: Aug 19, 2026

Min Deposit

$500

Access

Branch access

#45

Peoples State Bank of Plainview

24-Month CD

Term: 24 months

3.44%

APY

Verified: Aug 19, 2026

Min Deposit

$250

Access

Branch access

#46

EverBank

24-Month CD

Term: 24 months

3.40%

APY

Verified: Aug 20, 2026

Min Deposit

$1,000

Access

Online only

#47

First Exchange Bank

24 Month CD

Term: 24 months

3.39%

APY

Verified: Aug 15, 2026

Min Deposit

$500

Access

Branch access

#48

Peak Bank

24-Month CD

Term: 24 months

3.34%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Online only

#49

Farmers & Merchants State Bank

24 Month CD

Term: 24 months

3.25%

APY

Verified: Aug 21, 2026

Min Deposit

$500

Access

Branch access

#50

Northeast Bank

2 Year CD

Term: 24 months

3.25%

APY

Verified: Aug 21, 2026

Min Deposit

$5,000

Access

Branch access