Best 2 Year CD Rates in 2025
In 2025, the median 2 Year CD rate RateBrain tracked was 3.60% across 33 products. The highest was 4.82% APY from First Internet Bank. That median was down from 4.00% in 2024.
Every 2 Year CD rate we tracked in 2025
| Bank | High | Year end |
|---|---|---|
| First Internet Bank | 4.82% | 4.82% |
| Colorado Federal Savings Bank | 4.80% | 4.80% |
| Newtek Bank | 4.75% | 4.75% |
| BMO Alto | 4.65% | 4.65% |
| Bread Financial | 4.65% | 4.65% |
| Delta Community Credit Union | 4.50% | 4.50% |
| Riverland Credit Union | 4.50% | 4.50% |
| Capital One 360 | 4.40% | 4.40% |
| Able Banking | 4.25% | 4.25% |
| Total Direct Bank | 4.34% | 4.21% |
| Apple Federal Credit Union | 4.36% | 4.00% |
| Quaint Oak Bank | 4.00% | 4.00% |
| Marcus | 3.90% | 3.90% |
| Bask Bank | 4.50% | 3.75% |
| American Express | 4.00% | 3.60% |
| Capital One | 3.80% | 3.60% |
| Discover Bank | 4.10% | 3.60% |
| Southeast Financial CU | 3.60% | 3.60% |
| Abound Credit Union | 3.50% | 3.50% |
| EverBank | 3.90% | 3.50% |
| Nat'l Bank of Kansas City | 3.50% | 3.50% |
| Synchrony Bank | 3.50% | 3.50% |
| Merchants Bank of Indiana | 3.87% | 3.37% |
| Quontic Bank | 4.50% | 3.35% |
| Popular Direct | 4.25% | 3.30% |
| Academy Bank | 3.29% | 3.29% |
| TFCU | 3.00% | 3.00% |
| Elements Financial | 2.70% | 2.70% |
| Mountain One Bank | 2.00% | 2.00% |
| First Command Bank | 1.05% | 1.05% |
| First National Community Bank | 0.55% | 0.55% |
| CIT Bank | 0.40% | 0.40% |
| Nationwide Bank | 0.20% | 0.20% |
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.