Best 2 Year CD Rates in 2026
In 2026, the median 2 Year CD rate RateBrain tracked was 3.50% across 34 products. The highest was 4.85% APY from BAC Florida. That median was down from 3.60% in 2025.
Every 2 Year CD rate we tracked in 2026
| Bank | High | Year end |
|---|---|---|
| First Internet Bank | 4.82% | 4.82% |
| State Bank of India | 4.52% | 4.52% |
| Popular Direct | 4.45% | 4.45% |
| Bread Financial | 4.65% | 4.35% |
| EagleBank | 4.35% | 4.35% |
| Marcus | 4.35% | 4.35% |
| Bask Bank | 4.30% | 4.30% |
| Colorado Federal Savings Bank | 4.80% | 4.10% |
| Synchrony Bank | 4.25% | 4.10% |
| Quaint Oak Bank | 4.00% | 4.00% |
| Newtek Bank | 4.75% | 3.80% |
| BAC Florida | 4.85% | 3.75% |
| Total Direct Bank | 4.21% | 3.75% |
| Riverland Credit Union | 4.50% | 3.65% |
| Abound Credit Union | 3.50% | 3.50% |
| Capital One | 3.60% | 3.50% |
| Capital One 360 | 4.40% | 3.50% |
| Discover Bank | 3.60% | 3.50% |
| TFCU | 3.50% | 3.50% |
| EverBank | 3.50% | 3.40% |
| Delta Community Credit Union | 4.50% | 3.30% |
| American Express | 3.60% | 3.25% |
| Quontic Bank | 3.35% | 3.15% |
| Academy Bank | 3.29% | 3.10% |
| Able Banking | 4.25% | 3.00% |
| Southeast Financial CU | 3.60% | 2.90% |
| Merchants Bank of Indiana | 3.37% | 2.85% |
| BMO Alto | 4.65% | 2.75% |
| ConnectOne Bank | 3.60% | 2.75% |
| Elements Financial | 2.70% | 2.25% |
| Mountain One Bank | 2.00% | 2.00% |
| First Command Bank | 1.05% | 0.90% |
| 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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.