Compare Best 2-year CD Rates

Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like certificate of deposits (CDs), savings and money market accounts.

GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best 2-year CD rates and display them in the table below for free. Click on our featured bank rates for more information.







Institution Term Rate APY Min. To Earn APY Details


  • 1.5 Yr.
    2 Yr.
    2.5 Yr.
  • 1.78%
    2.03%
    2.18%
  • 1.80%
    2.05%
    2.20%
  • $2,500
    $2,500
    $2,500
    • Discover Bank offers great rates, security & convenience.


  • 1.5 Yr.
    2 Yr.
    3 Yr.
  • 1.65%
    1.99%
    2.38%
  • 1.66%
    2.01%
    2.41%
  • $2,500
    $2,500
    $2,500
    • FDIC insured with no market risk. Open an account online or by phone!


TermRateAPYMin. To Earn APYDetails
2 year2.28%2.30%$1,000iCertificate of Deposit
2 year2.25%2.26%$500
2 year2.24%2.25%$5,000Non-jumbo CD
2 year2.18%2.20%$10,000Rate for balances up to $90,000
2 year2.17%$5,000
2 year2.10%2.15%$500Rate disclosed is from New York market area, rate may vary by region. Market area NY, NJ, CT.
2 year2.13%2.15%$100,000Jumbo CD
2 year2.08%2.10%$1,000Rates and terms specific to accounts opened online
2 year2.10%$100,000
2 year2.08%2.10%$2,500
2 year2.03%2.05%$1,000
2 year2.03%2.05%$25,000
2 year2.05%$500
2 year2.03%2.05%$2,500
2 year2.01%2.03%$2,500
2 year2.03%$1,000
2 year2.00%2.02%$2,50024-35 month term. $24,999 max deposit
2 year2.00%2.02%$1,000Manager's Special CD Rates. Must email branch to find out specific details for this account.
2 year2.00%2.02%$1High-Yield CD - option to raise your rate once if Ally's rates go up during term of CD
2 year1.99%2.01%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
2 year1.98%2.00%$5,000Online CD
2 year1.98%2.00%$1,000Branch and Call Center CD Rates
2 year2.00%2.00%$1,000Local funds only, contact retail offices in Ohio
2 year1.98%2.00%$500Internet Special CD - 23 months(www.sterlingnj.com)
2 year2.00%2.00%$1,000
2 year2.00%$1,000Relationship Special-New money only, Southern California Customers only; Requires Premium Checking; $1,000 Minimum; 1.80% APY without Premium Checking. Non-Southern California customers receive 1.95% APY with $1,000 minimum and no checking requirement. Must call bank for details as special is not advertised online.
2 year1.98%2.00%$1,000
2 year2.00%$2,500Rate/APY may vary by location
2 year1.98%2.00%$500Fixed Rate
2 year1.93%1.95%$5,000Online CD
2 year1.90%1.92%$1,000Term 24 to 35 months
2 year1.88%1.90%$500Rates effective 03/15/2010
2 year1.88%1.90%$500
2 year1.80%1.82%$1,500Yield Pledge CD
2 year1.75%1.76%$2,500Rate for balances up to $99,999
2 year1.75%1.76%$1,000
2 year1.73%1.75%$500Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location
2 year1.69%1.70%$5,000
2 year1.65%1.66%$2,500Giant Personal CD
2 year1.65%1.66%$10,000eCD rates for online account only
2 year1.65%$500(28 Month Term)Promotion CD - only available to existing customers, limited to local western New York market area
2 year1.65%$25,000
2 year1.59%1.60%$500Standard 2 Yr CD (www.sterlingnj.com)
2 year1.59%1.60%$1,000
2 year1.59%1.60%$1,000
2 year1.50%1.53%$1,000Regular CD - South Shore Massachusetts market area
2 year1.49%1.50%$1,000
2 year1.49%1.50%$500
2 year1.49%1.50%$500Regular CD, rates vary by geographic location
2 year1.50%$15,000
2 year1.49%1.50%$10,000
2 year1.44%1.45%$500
2 year1.29%1.30%$500
2 year1.29%1.30%$1,000Accounts can be opened with an Allstate agent or by online application
2 year1.26%1.26%$1,000Must be opened online to get this rate.
2 year1.25%$1Orange CD
2 year1.24%1.25%$500
2 year1.25%$1,0002 plus year term - Limited to New York and Pennsylvania market area.
2 year1.24%1.25%$10,000Bank by Mail CD
2 year1.14%1.15%$2,500If you have no other ABC accounts, a minimum of $10,000 is required to open a Certificate of Deposit. Persons who have ABC accounts may open a Certificate of Deposit with a minimum of $2,500
2 year1.10%$10Online CD
2 year1.05%$500Online Banking
2 year1.03%1.04%$1,000Rates effective on balances up to $4,999
2 year1.00%$50,000
2 year1.00%1.00%$1,000Regular CD
2 year0.90%0.90%$1,000Fixed Rate CD only - rate based on New York market area, rate may vary by location
2 year0.85%0.85%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.