Skip to main content

Highest 2-Year CD Rates
Compare 24-Month CD rates from 863 banks

By Aviel Fahl

Newest reading: October 5, 2026

Top 10 Rates:4.45-4.98% APYFDIC or NCUA Insured
1266 active 24-month cd products tracked. The count includes business, IRA and other CD types, and CDs whose term range covers 24 months.

Top 50 2-Year CD Rates

Ordered by highest APY. Showing the top 50 of 1266 24-month cd products tracked across 863 banks.

Newest reading: Monday, October 5, 2026

Top 50 CD terms from 40 banks,sorted by highest APY
#1
Raymond James Bank

24 Month CD

Term: 24 months

4.98%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

N/A

#2
Popular Direct

24 Months

Term: 24 months

Available nationwide

4.70%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

None

#3
Global Bank

24-Month Certificate of Deposit

Term: 24 months

4.55%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#4
Farmers and Merchants State Bank

24 Month CD

Term: 24 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#5
Nicolet National Bank

24 Month CD

Term: 24 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

Yes

#6
Nicolet National Bank

24 Month IRA CD

Term: 24 months

4.50%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

Yes

#7
Pilgrim Bank

2 Year CD

Term: 24 months

4.47%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

Yes

#8
Credit One Bank, National Association

24 Month High Yield Jumbo CD

Term: 24 months

4.45%
APY
Observed: Oct 5, 2026
Min Deposit

$100,000

Branches

N/A

#9
DR Bank

24 Month CD

Term: 24 months

4.45%
APY
Observed: Oct 2, 2026
Min Deposit

$500

Branches

Yes

#10
DR Bank

24 Month IRA CD

Term: 24 months

4.45%
APY
Observed: Oct 2, 2026
Min Deposit

N/A

Branches

Yes

#11
First Westroads Bank, Inc.

24 Month CD

Term: 24 months

4.45%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#12
Piscataqua Savings Bank

2 Year CD

Term: 24 months

4.45%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#13
E*TRADE from Morgan Stanley

24-Month Certificates of Deposit

Term: 24 months

Available nationwide

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#14
Happen Bank

2-Year CD

Term: 24 months

Available nationwide

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

None

#15
Marcus by Goldman Sachs

2 Year CD

Term: 24 months

Available nationwide

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

None

#16
Sallie Mae Bank

24-Month Certificates of deposit CDs

Term: 24 months

Available nationwide

4.40%
APY
Observed: Oct 5, 2026
Min Deposit

$2,500

Branches

None

#17
5Star Bank

24 Month Variable IRA

Term: 24 months

4.39%
APY
Observed: Oct 5, 2026
Min Deposit

$250

Branches

Yes

#18
Enterprise Bank

2 Year CD

Term: 24 months

4.39%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#19
Grant County Bank

24-Month CD

Term: 24 months

4.39%
APY
Observed: Oct 5, 2026
Min Deposit

$100

Branches

Yes

#20
Grant County Bank

24-Month Variable Rate CD

Term: 24 months

4.39%
APY
Observed: Oct 5, 2026
Min Deposit

$100

Branches

Yes

#21
Bank of Deerfield

2 Year

Term: 24 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#22
Bank of Deerfield

2 Year IRA

Term: 24 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#23
Barclays

24-Month CD

Term: 24 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#24
Bread Savings

2-Year CD

Term: 24 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,500

Branches

None

#25
Bread Savings

2-Year Retirement CD

Term: 24 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,500

Branches

N/A

#26
EagleBank

24 Month CD

Term: 24 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#27
EverBank

24-Month CD

Term: 24 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#28
Home Bank of California

24-35 Month Jumbo CD

Term: 24-35 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$10,000

Branches

Yes

#29
Home Bank of California

24-35 Month IRA CD

Term: 24-35 months

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#30
Synchrony Bank

24 Month CD

Term: 24 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#31
Synchrony Bank

24 Month IRA CD

Term: 24 months

Available nationwide

4.35%
APY
Observed: Oct 5, 2026
Min Deposit

$0

Branches

None

#32
Thayer County Bank

24 Month CD

Term: 24 months

4.33%
APY
Observed: Oct 5, 2026
Min Deposit

N/A

Branches

Yes

#33
First Independent Bank

24-Month CD

Term: 24 months

4.32%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

Yes

#34
Bask Bank

24-Month

Term: 24 months

Available nationwide

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

None

#35
Iowa State Bank

24 Month CD Special

Term: 24 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$5,000

Branches

Yes

#36
Rising Bank

Term CD 2-Year

Term: 24 months

Available nationwide

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

None

#37
TD Bank

TD Choice 24 Month CD

Term: 24 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$250

Branches

Yes

#38
Winchester Co-operative Bank

24 Month Term Deposit Certificate

Term: 24 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#39
Winchester Co-operative Bank

24 Month IRA Term Deposit Certificate

Term: 24 months

4.30%
APY
Observed: Oct 5, 2026
Min Deposit

$1

Branches

Yes

#40
First State Bank

24 Month CD

Term: 24 months

4.29%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes

#41
Bank of the Flint Hills

2 Year CD

Term: 24 months

4.27%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

N/A

#42
Farmers and Merchants Bank

24-Month Certificate

Term: 24 months

4.27%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#43
Bank of Washington

24 Month CD

Term: 24 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

N/A

#44
Bank of Washington

IRA 24 Month CD

Term: 24 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

N/A

#45
Central Bank & Trust Co.

2 Year CD

Term: 24 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#46
Citizens Bank & Trust Company

2 Year CD

Term: 24 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$500

Branches

Yes

#47
Enterprise Bank

24 Month CD Special

Term: 24 months

4.25%
APY
Observed: Sep 30, 2026
Min Deposit

$10,000

Branches

Yes

#48
Nelnet Bank

2 Year CD

Term: 24 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

N/A

#49
Nelnet Bank

Business 24 Month CD

Term: 24 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$25,000

Branches

N/A

#50
Poppy Bank

24-Month IRA CD

Term: 24 months

4.25%
APY
Observed: Oct 5, 2026
Min Deposit

$1,000

Branches

Yes