Best 2 Year CD Rates in 2026

Name: Best 2 Year CD Rates in 2026
Creator: RateBrain

In 2026, the median 2 Year CD rate RateBrain tracked was 3.63% across 130 products. The highest was 5.04% APY from State Bank of India. That median was down from 3.67% in 2025.

« 2025 All years

Every 2 Year CD rate we tracked in 2026

Bank	High	Year end
State Bank of India	5.04%	5.04%
Raymond James Bank	5.00%	4.90%
Merrick Bank	4.91%	4.85%
CFG Bank	4.82%	4.82%
BTG Pactual US	4.80%	4.80%
E*TRADE Bank	4.80%	4.80%
Popular Direct	4.80%	4.80%
Happen Bank	4.76%	4.76%
Barclays Bank	4.75%	4.75%
KS StateBank	4.75%	4.75%
EagleBank	4.65%	4.65%
Leader Bank	4.65%	4.65%
NASA Federal Credit Union	4.65%	4.65%
Synchrony Bank	4.60%	4.60%
Ridgewood Savings Bank	4.59%	4.59%
Bread Financial	4.65%	4.55%
Finworth	4.55%	4.55%
EverBank	4.50%	4.50%
Sallie Mae	4.50%	4.50%
SmartyPig	4.50%	4.50%
Total Bank	4.50%	4.50%
Accordia Bank	4.45%	4.45%
DR Bank	4.45%	4.45%
Able Banking	4.40%	4.40%
First National Bank of America	4.40%	4.40%
Marcus	4.40%	4.40%
Vio Bank	4.40%	4.40%
Zynlo Bank	4.40%	4.40%
CIBC Bank USA	4.35%	4.35%
Langley Federal Credit Union	4.35%	4.35%
Bask Bank	4.30%	4.30%
Prime Alliance Bank	4.30%	4.30%
Rising Bank	4.30%	4.30%
Flagstar Bank	4.25%	4.25%
Global Credit Union	4.25%	4.25%
Hanscom Federal Credit Union	4.25%	4.25%
HSBC Bank	4.40%	4.25%
Nelnet Bank	4.25%	4.25%
All In Credit Union	4.23%	4.23%
Colorado Federal Savings Bank	4.80%	4.20%
Skyla Credit Union	4.20%	4.20%
USALLIANCE Financial	4.20%	4.20%
TAB Bank	4.70%	4.15%
RBC Bank	4.10%	4.10%
Self Help Credit Union	4.29%	4.08%
Bank of Utah	4.05%	4.05%
Andrews Federal Credit Union	4.00%	4.00%
First Internet Bank	4.82%	4.00%
InTouch Credit Union	4.00%	4.00%
Quaint Oak Bank	4.00%	4.00%
Quontic Bank	4.00%	4.00%
Quorum Federal Credit Union	4.00%	4.00%
Genisys Credit Union	3.99%	3.99%
Signature Federal Credit Union	3.95%	3.95%
Provident Credit Union	3.90%	3.90%
Latino Community Credit Union	3.80%	3.80%
Newtek Bank	4.75%	3.80%
American Express	3.75%	3.75%
Apple Federal Credit Union	4.00%	3.75%
Space Coast Credit Union	3.75%	3.75%
ValorFI Heroes	3.75%	3.75%
Lafayette Federal Credit Union	3.71%	3.71%
Customers Bank	3.70%	3.70%
Navy Federal Credit Union	3.66%	3.66%
Riverland Credit Union	4.50%	3.65%
Alliant Credit Union	4.30%	3.60%
Texas Capital Bank	3.60%	3.60%
Academy Bank	3.51%	3.51%
Abound Credit Union	3.50%	3.50%
BAC Florida	4.85%	3.50%
Capital One	3.60%	3.50%
Capital One 360	4.40%	3.50%
Discover Bank	3.60%	3.50%
Fifth Third Bank	3.50%	3.50%
Forbright Bank	3.50%	3.50%
Northpointe Bank	3.50%	3.50%
Ponce Bank	3.50%	3.50%
TFCU	3.50%	3.50%
WECU	3.50%	3.50%
American State Bank	3.49%	3.49%
Virtual Bank	3.77%	3.41%
Delta Community Credit Union	4.50%	3.40%
PenFed Credit Union	4.40%	3.40%
Southeast Financial CU	3.60%	3.40%
Peak Bank	3.34%	3.34%
Justice Federal Credit Union	3.31%	3.31%
Digital Federal Credit Union	3.25%	3.25%
First Tech Federal Credit Union	3.25%	3.25%
Provident NJ	3.25%	3.25%
Carver Federal Savings Bank	3.17%	3.17%
City First Bank	3.15%	3.15%
First Bank of the Lake	3.15%	3.15%
Sharonview Federal Credit Union	3.15%	3.15%
Truliant Federal Credit Union	3.15%	3.15%
BMO Alto	4.65%	3.10%
Connexus Credit Union	3.00%	3.00%
Goldwater Bank	4.50%	3.00%
Ivy Bank	3.00%	3.00%
Nat'l Bank of Kansas City	3.50%	3.00%
Patelco	3.50%	3.00%
Service Credit Union	3.00%	3.00%
United Republic Bank	3.00%	3.00%
HOPE Credit Union	2.92%	2.92%
Merchants Bank of Indiana	3.37%	2.85%
Amalgamated Bank	2.75%	2.75%
ConnectOne Bank	3.60%	2.75%
First Mid Bank & Trust	2.75%	2.75%
HAB Bank	2.75%	2.75%
UNCLE Credit Union	2.64%	2.64%
GiantBank	2.53%	2.53%
Atlantic Union Bank	2.50%	2.50%
Dollar Savings Direct	2.50%	2.50%
Sun Canyon Bank	2.37%	2.37%
Harborstone Credit Union	2.36%	2.36%
Elements Financial	2.70%	2.25%
Androscoggin Bank	2.00%	2.00%
Chase Bank	2.00%	2.00%
Citibank	2.00%	2.00%
Live Oak Bank	2.00%	2.00%
Mountain One Bank	2.00%	2.00%
Davis Trust Company	2.88%	1.56%
USAA	4.40%	1.40%
FourLeaf Federal Credit Union	1.25%	1.25%
First Command Bank	1.05%	0.90%
OMB Bank	0.60%	0.60%
CIT Bank	0.40%	0.40%
MidFirst Direct	0.20%	0.20%
Nationwide Bank	0.20%	0.20%
US Bank	0.05%	0.05%
Bank of America	0.03%	0.03%

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.