Best 24-Month CD Rates - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Top 24-month CD rates currently available include Italo American Credit UnionItalo American Credit Union6652 Myrtle Ave, Glendale, NY 11385 7057A+5.0 ★Texas Ratio: 2.78% offering Regular IRA And Roth IRA 2 year at 4.75% APY, and Artesia Credit UnionArtesia Credit Union210 N 5th St, Artesia, NM 88210 2000A+5.0 ★Texas Ratio: 2.57% offering IRA Certificates 24 Month at 4.58% APY, and Premier One Credit UnionPremier One Credit Union5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633A+5.0 ★Texas Ratio: 1.63% offering 24-month IRA Traditional & Roth Share Certificates at 4.50% APY, and Tower Federal Credit UnionTower Federal Credit Union7901 Sandy Spring Rd, Laurel, MD 20707A+5.0 ★Texas Ratio: 1.36% offering Regular IRA Share Certificates 2 year at 4.40% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
A 2-year CD is a popular choice for savers who want to lock in a competitive rate while keeping their investment horizon manageable. It often offers a meaningful yield advantage over shorter-term options without the extended commitment of a 3- or 5-year CD. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose institutions with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 24-Month CD Rates Last Updated and Verified: April 5, 2026
Compare the Best 24-Month CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 2 year
$0
4.75%
▼
Rate4.75%
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Artesia Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
210 N 5th St, Artesia, NM 88210 2000
IRA Certificates 24 Month
$0
4.58%
▼
Rate4.50%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
24-month IRA Traditional & Roth Share Certificates
$1,000
4.50%
▼
Rate4.41%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD 20707
Regular IRA Share Certificates 2 year
$500
4.40%
▼
Rate4.31%
Min Deposit$500
UpdatedMar 29, 2026
Details
No additional details available.
Ouachita Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.59%
1420 Natchitoches St, West Monroe, LA 71292
24-Month IRA
$2,000
4.33%
▼
Rate4.25%
Min Deposit$2,000
UpdatedApr 4, 2026
Details
No additional details available.
School Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.48%
3025 Tower Ave, Superior, WI 54880 5369
24 month CD
$0
4.25%
▼
Rate4.25%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
Youth Certificates 2 Year CD
$0
4.20%
▼
Rate—
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1558 1st St, Sarasota, FL 34236 8502
24 MONTH CERTIFICATE
$0
4.16%
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
5665 N Hamilton Rd, Columbus, OH 43230
24 Month Certificate
$100,000
4.15%
▼
Rate—
Min Deposit$100,000
UpdatedMar 24, 2026
Details
No additional details available.
Alabama Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL 35222
2 year Share Certificates
$0
4.10%
▼
Rate4.03%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
SPC Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
204 N 5th St, Hartsville, SC 29550 4136
24 Month Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3876 W Center view Way, West Jordan, UT 84084
24 month Certificate (CD)
$0
4.05%
▼
Rate3.98%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
24 Month CD or IRA Jumbo
$500
4.04%
▼
Rate4.00%
Min Deposit$500
UpdatedApr 3, 2026
Details
Jumbo
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
3131 Mishicot Rd, Two Rivers, WI 54241
Share Certificates and IRA Certificates 24 month
$0
4.03%
▼
Rate3.95%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
24-month Jumbo Personal Smart-Step Certificate Account IRA
$50,000
4.02%
▼
Rate3.95%
Min Deposit$50,000
UpdatedMar 26, 2026
Details
No additional details available.
Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
201 Ohio Ave, Charleston, WV 25302 2209
IRA Certificates 2 Year
$0
4.01%
▼
Rate3.95%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Orem City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
56 N State St, Orem, UT 84057
24 month CD
$500
4.00%
▼
Rate4.00%
Min Deposit$500
UpdatedApr 5, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
IRA Certificates (2 year)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Commercial Bank Saint Louis, MO
Institution Rating:
A5.0 ★Texas Ratio: 9.94%
2330 West Port Plaza Dr, Saint Louis, MO 63146
2 Year Traditional & Roth IRA's
$0
3.96%
▼
Rate3.90%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
24 Month Share One-Time Bump Certificates of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
UpdatedMar 24, 2026
Details
Automatic Renewal to Regular Certificate
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
405 SE 2nd PL, Gainesville, FL 32601 6808
24 Month HSA Fixed Rate Certificates
$1,000
3.93%
▼
Rate3.85%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
2 Year Term Share Certificates
$1,000
3.92%
▼
Rate3.85%
Min Deposit$1,000
UpdatedMar 27, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
24 Month Fixed Rate IRA Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
UpdatedApr 5, 2026
Details
No additional details available.
Matagorda County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3700 Avenue F, Bay City, TX 77414
Share Certificate of Deposits 2-YEAR CD
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
UpdatedMar 24, 2026
Details
No additional details available.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
29 High St, Medford, MA 02155 3801
2 year CD
$500
3.87%
▼
Rate3.80%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Achieva Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3629 11th Ave N, Saint Petersburg, FL 33713
24 month IRA CD
$100,000
3.85%
▼
Rate3.78%
Min Deposit$100,000
UpdatedMar 24, 2026
Details
No additional details available.
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
IRA Certificates 24 Month
$0
3.84%
▼
Rate3.80%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Town & Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
557 Main St, South Portland, ME 04106 5408
IRA Certificate 24 Month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Members Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
255 Fiserv Dr, Brookfield, WI 53045
2-year CD Rate
$0
3.81%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
4400 Central Way, Chubbuck, ID 83202
24 Month Promo CD
$500
3.80%
▼
Rate3.75%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Peoples Bank Lebanon, KY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
265 Old Springfield Rd, Lebanon, KY 40033
24 Month CD
$0
3.78%
▼
Rate3.75%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
UpdatedApr 5, 2026
Details
No additional details available.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
315 Croghan St, Fremont, OH 43420 3013
24 Month Regular/IRA Share Certificate
$1,000
3.76%
▼
Rate3.70%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
24 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Fort Worth City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2309 Montgomery St, Fort Worth, TX 76107 4520
24-Month IRA Certificates of Deposit
$0
3.74%
▼
Rate3.68%
Min Deposit$0
UpdatedMar 26, 2026
Details
No additional details available.
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.31%
14111 Scottslawn Rd, Marysville, OH 43040
IRA Certificates 24 Month
$500
3.71%
▼
Rate3.65%
Min Deposit$500
UpdatedMar 28, 2026
Details
Minimum deposit of $500 required.
St Marys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
46 Lizotte Dr, Marlborough, MA 01752 3061
Relationship Jumbo Certificates & Jumbo Individual Retirement Accounts 24 Month
$100,000
3.70%
▼
Rate3.58%
Min Deposit$100,000
UpdatedMar 28, 2026
Details
No additional details available.
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
24 Month Certificates
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
UpdatedApr 2, 2026
Details
No additional details available.
DOVER PHILA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
119 Fillmore Ave, Dover, OH 44622 2061
24 Month Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 24 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.57%
2411 W Olive Ave, Burbank, CA 91506 2629
Traditional/Roth IRA Mini-Jumbo Certificate 24-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
UpdatedApr 5, 2026
Details
Minimum to open & earn dividends: $50,000
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2000 14th St NW, Washington, DC 20009 4473
24 Month IRA Share Certificate
$2,000
3.64%
▼
Rate—
Min Deposit$2,000
UpdatedApr 5, 2026
Details
No additional details available.
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
2-Year Treasury Indexed CD
$100
3.63%
▼
Rate3.52%
Min Deposit$100
UpdatedMar 28, 2026
Details
No additional details available.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates 24 Month Term- Jumbo
$0
3.61%
▼
Rate3.55%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 2 YEAR
$0
3.60%
▼
Rate3.55%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
879 W 190th St, Gardena, CA 90248 4220
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
2 Year Certificates of Deposit
$25,000
3.57%
▼
Rate3.52%
Min Deposit$25,000
UpdatedApr 2, 2026
Details
$25,000 and over
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
24-Month IRA Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Methuen Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
248 Broadway, Methuen, MA 01844
24 Month Certificate of Deposit (CDs) (Available as IRA CD)
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Northwest Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
2821 Hewitt Ave, Everett, WA 98201
24 Month* Certificate
$500
3.54%
▼
Rate3.50%
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
Warren-Boynton State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
702 W Illinois St, New Berlin, IL 62670
24 Month CD
$0
3.53%
▼
Rate3.50%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
First Northern Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.59%
4th Street And Lafayette Avenue, Palmerton, PA 18071
2 Year (24 Month) Adjustable CD
$5,000
3.52%
▼
Rate3.47%
Min Deposit$5,000
UpdatedApr 2, 2026
Details
No additional details available.
American 1 Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.10%
718 E Michigan Ave, Jackson, MI 49201
IRA 2 Year
$50
3.51%
▼
Rate3.46%
Min Deposit$50
UpdatedMar 25, 2026
Details
No additional details available.
LendingClub
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
2701 N Thanksgiving Way, Lehi, UT 84043
2 Year CD
$500
3.50%
▼
Rate—
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Baycel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
2320 6TH ST, Bay City, TX 77414 5240
2 Year Share Certificate
$0
3.49%
▼
Rate3.45%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Big Horn Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
33 N 6th St, Greybull, WY 82426
2 year CD
$0
3.48%
▼
Rate3.42%
Min Deposit$0
UpdatedApr 3, 2026
Details
Entire Balance
First State Bank of Beecher City
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
101 S Charles St, Beecher City, IL 62414
24 Month Certificate of Deposit
$0
3.46%
▼
Rate3.40%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Wyrope Williamsport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1536 Riverside Dr, S Williamsport, PA 17702
2 year Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
UpdatedApr 4, 2026
Details
$5,000 - $25,000
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
8400 Mansfield Rd, Shreveport, LA 71108
IRA Certificates 24 month
$0
3.44%
▼
Rate3.40%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Homeland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
310 Caldwell St, Chillicothe, OH 45601
Share and IRA Jumbo Certificates 24 Mo.
$0
3.42%
▼
Rate—
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
EvaBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
4113 Eva Rd, Eva, AL 35621
24 month CD
$1,000
3.41%
▼
Rate—
Min Deposit$1,000
UpdatedMar 26, 2026
Details
No additional details available.
First Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
402 E Main St, Henryetta, OK 74437
Share Certificates (CD) 2 Year
$0
3.40%
▼
Rate3.35%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
IRA Certificates 24 Month
$0
3.39%
▼
Rate3.35%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
21131 Jamaica Ave, Queens Village, NY 11428 1621
2-Year Term CD
$100,000
3.37%
▼
Rate3.35%
Min Deposit$100,000
UpdatedApr 4, 2026
Details
Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
1620 Lonnie Abbott Blvd, Ada, OK 74820
24 Mo. Term Share (Certificate) / IRA
$0
3.36%
▼
Rate3.31%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Benchmark Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1522 McDaniel Dr, West Chester, PA 19380
24 MONTH BUMP Certificate
$500
3.35%
▼
Rate3.30%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
Beacon Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
7910 National Tpke, Louisville, KY 40214
24 Month Share and IRA Certificate
$0
3.34%
▼
Rate3.30%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
River Valley Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
340 Cash Rd SW, Camden, AR 71701 3705
IRA 2 Year Share Certificate
$0
3.33%
▼
Rate3.28%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
F&M Bank of St. Clair
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
959 N Commercial Ave, Saint Clair, MO 63077
2 Year Certificates of Deposit
$500
3.31%
▼
Rate3.27%
Min Deposit$500
UpdatedMar 26, 2026
Details
No additional details available.
Pioneer Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
109 Commercial St Ne, Salem, OR 97301
24 Month TCD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
2900 W South Airport Rd, Traverse City, MI 49684 4611
24 Month CD
$500
3.29%
▼
Rate3.25%
Min Deposit$500
UpdatedMar 28, 2026
Details
$500 Minimum
Community Bank of Pleasant Hill
Institution Rating:
A+5.0 ★Texas Ratio: 1.47%
2401 N Highway 7, Pleasant Hill, MO 64080
IntraFi� Network Deposits (formerly CDARS �) 2-year (104-week)
$10,000
3.28%
▼
Rate3.21%
Min Deposit$10,000
UpdatedApr 4, 2026
Details
No additional details available.
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.26%
6230 Orchard Lake Rd, West Bloomfield, MI 48322
Jumbo Certificates 24 Month
$0
3.27%
▼
Rate3.25%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
1110 Elkton Rd, Newark, DE 19711
SPECIAL PROMOTION: Certificates for New Funds to American Spirit FCU Only Share Certificate (24-Month)
$0
3.26%
▼
Rate3.25%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
S&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
7660 Saltsburg Rd, Pittsburgh, PA 15239
2 Year CD
$500
3.25%
▼
Rate—
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
Security Bank and Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 5.88%
1 Sw 1st St, Afton, OK 74331
24 Month CD
$0
3.24%
▼
Rate3.20%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
24 Month CD
$1,000
3.23%
▼
Rate3.15%
Min Deposit$1,000
UpdatedApr 3, 2026
Details
No additional details available.
The Bank of Missouri
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
916 N Kings Hwy, Perryville, MO 63775
24 Month CD
$500
3.21%
▼
Rate3.18%
Min Deposit$500
UpdatedMar 25, 2026
Details
No additional details available.
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.26%
7500 Lindbergh Blvd, Philadelphia, PA 19176
24 Month Share/IRA Certificate
$500
3.20%
▼
Rate3.15%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
301 S Main St, Perryton, TX 79070
2 Year Certificate
$100,000
3.19%
▼
Rate3.15%
Min Deposit$100,000
UpdatedApr 4, 2026
Details
Daily Balances of: $100,000 and over
First Federal S&L Newark, OH
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2 N 2nd St, Newark, OH 43055
24 Month CD ++
$500
3.18%
▼
Rate3.15%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
First Us Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2150 Watt Ave, Sacramento, CA 95825
24 Month Certificate
$500
3.15%
▼
Rate3.10%
Min Deposit$500
UpdatedApr 2, 2026
Details
No additional details available.
Wichita Falls Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
2100 Seymour Hwy, Wichita Falls, TX 76301
24-Month Term Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
UpdatedApr 4, 2026
Details
Over $50,000
Reliance State Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.77%
606 Broad St, Story City, IA 50248
24 Month Certificates of Deposit
$25,000
3.12%
▼
Rate3.10%
Min Deposit$25,000
UpdatedMar 28, 2026
Details
No additional details available.
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1420 Gardiner Ln Rm 66, Louisville, KY 40231 8900
2 Year Share Certificates
$0
3.10%
▼
Rate—
Min Deposit$0
UpdatedMar 27, 2026
Details
No additional details available.
Henderson FSB
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
130 N Marshall St, Henderson, TX 75652
24 Month Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
24 Month FLEX (with 1x rate increase option) Certificate
$0
3.08%
▼
Rate3.04%
Min Deposit$0
UpdatedMar 29, 2026
Details
No additional details available.
Dade County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL 33172 2706
24 month Share IRA Certificates
$0
3.07%
▼
Rate3.03%
Min Deposit$0
UpdatedMar 25, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
2 Year Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
UpdatedMar 25, 2026
Details
No additional details available.
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
24 Month Certificate of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
UpdatedMar 25, 2026
Details
$1,000.00 Minimum balance required
Fond Du Lac Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
91 N Pioneer Rd, Fond du Lac, WI 54935
2 Year Certificate
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
UpdatedMar 26, 2026
Details
No additional details available.
Citizens-Farmers Bank of Cole Camp
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
121 E Main St, Cole Camp, MO 65325
24 Month CD
$0
3.02%
▼
Rate3.00%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Horicon Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
326 E Lake St, Horicon, WI 53032
2 Year IRA
$0
3.01%
▼
Rate3.00%
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Black River Country Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
221 Main St, Black River Falls, WI 54615
2 Year YOUR. CD.
$0
3.00%
▼
Rate2.97%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
24 Month Share Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
UpdatedMar 28, 2026
Details
No additional details available.
Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
1300 E 5th Ave, Winfield, KS 67156 2407
24 Month CD
$0
2.98%
▼
Rate—
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Southland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.82%
10701 Los Alamitos Blvd, Los Alamitos, CA 90720
Term Share Certificates & IRA Share Certificates 2 Year
$1,000
2.95%
▼
Rate2.91%
Min Deposit$1,000
UpdatedMar 28, 2026
Details
No additional details available.
Sterling Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
822 W Main St, Sterling, CO 80751
IRA Certificates / CDs 24 month
$1,000
2.94%
▼
Rate—
Min Deposit$1,000
UpdatedApr 4, 2026
Details
No additional details available.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificates 24 Month
$0
2.93%
▼
Rate2.90%
Min Deposit$0
UpdatedApr 5, 2026
Details
$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Union State Bank Winterset, IA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
611 W Highway 92, Winterset, IA 50273
24 Month CD
$50,000
2.92%
▼
Rate2.90%
Min Deposit$50,000
UpdatedApr 3, 2026
Details
No additional details available.
Diamond Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
840 E Diamond Ave, Evansville, IN 47711 3420
2 Year Certificate
$0
2.91%
▼
Rate2.88%
Min Deposit$0
UpdatedApr 5, 2026
Details
No additional details available.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024
Share Certificates (CDs) 24 month
$25,000
2.90%
▼
Rate—
Min Deposit$25,000
UpdatedApr 5, 2026
Details
No additional details available.
First California Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2525 E Shields Ave, Fresno, CA 93726
2 Year IRA Term Share & IRA Term Share Accounts
$5,000
2.89%
▼
Rate2.85%
Min Deposit$5,000
UpdatedApr 5, 2026
Details
No additional details available.
HomePride Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.68%
437 W Sunset St, Fordland, MO 65652
24 Month Certificate of Deposit
$500
2.88%
▼
Rate2.85%
Min Deposit$500
UpdatedApr 4, 2026
Details
No additional details available.
FNB of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 E Walnut St, Okawville, IL 62271
24 Month Certificate
$0
2.87%
▼
Rate2.85%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ 86313 5001
24 Month Term CD
$1,000
2.86%
▼
Rate—
Min Deposit$1,000
UpdatedApr 4, 2026
Details
Compounded Monthly
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ 85336
Share Certificate 24 Month
$0
2.85%
▼
Rate2.81%
Min Deposit$0
UpdatedApr 4, 2026
Details
No additional details available.
Filer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
1117 28th St, Manistee, MI 49660
24 MONTH MIN $ 1,000 Certificate
$0
2.84%
▼
Rate—
Min Deposit$0
UpdatedApr 2, 2026
Details
No additional details available.
Spring Hill State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3700 Gilmer Rd, Longview, TX 75604
24 Month CD
$1,000
2.83%
▼
Rate2.80%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
Ark Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.23%
1515 N Summit St, Arkansas City, KS 67005
24 Month Certificate
$1,000
2.81%
▼
Rate2.85%
Min Deposit$1,000
UpdatedApr 2, 2026
Details
No additional details available.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL 61108 7813
24 Month CD/IRA CD
$500
2.80%
▼
Rate2.76%
Min Deposit$500
UpdatedMar 27, 2026
Details
No additional details available.
Peoples Savings Bank Urbana OH
Institution Rating:
A5.0 ★Texas Ratio: 9.20%
10 Monument Sq, Urbana, OH 43078
24 Month CD
$500
2.79%
▼
Rate2.75%
Min Deposit$500
UpdatedApr 3, 2026
Details
No additional details available.
Northern States Power St Paul Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.04%
101 E Washington Blvd, Fort Wayne, IN 46802
24 Mo Share Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
UpdatedMar 24, 2026
Details
No additional details available.
Adrian Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
130 E Main St, Adrian, MO 64720
2 Year** Certificates of Deposit
$0
2.77%
▼
Rate2.75%
Min Deposit$0
UpdatedApr 3, 2026
Details
No additional details available.
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
7 Old Tavern Rd, Orange, CT 06477
2 Year Star Relationship CD
$0
2.76%
▼
Rate2.69%
Min Deposit$0
UpdatedApr 2, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
San Francisco Fire Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.90%
3201 California St, San Francisco, CA 94118 1903
2 Year Certificate
$100
2.75%
▼
Rate2.71%
Min Deposit$100
UpdatedMar 24, 2026
Details
No additional details available.
One Detroit Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
630 Howard St, Detroit, MI 48226
24 Month Certificate of Deposit & Term IRAs
$500
2.73%
▼
Rate2.70%
Min Deposit$500
UpdatedMar 28, 2026
Details
No additional details available.
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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24-Month CD Rate Trend
Daily national average APY for 24-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
24-Month CD — National Avg
2.866%
▲ 0.239 vs 7 days ago
National 24-month CD rates rose 0.239 points over the past 7 days to 2.866% APY, up from 2.628% 7 days ago.
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CD Calculators
24-Month CD FAQs
What is a 24-Month (2-Year) Certificate of Deposit?
A 24-month CD is a savings account that holds a fixed amount of money for two years. In exchange for committing your funds, banks typically offer a higher fixed interest rate than shorter-term accounts.
Are 2-year CD rates higher than 1-year CD rates?
It depends on the rate environment. In a normal yield curve, 2-year CDs tend to offer slightly higher rates than 1-year CDs. In an inverted yield curve, shorter-term CDs can sometimes yield more, so always compare current offers.
Is my money safe in a 24-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution. Your principal is fully protected up to that limit.
What happens if I withdraw money from a 2-year CD early?
Early withdrawal from a 24-month CD typically incurs a penalty of several months of interest, often 6 months or more. The exact penalty varies by institution, so review the terms carefully before opening.
What is APY and how does it differ from the interest rate?
APY (Annual Percentage Yield) reflects the total return including compounding over a year. The interest rate is the base rate before compounding. APY is always the right number to use when comparing CD offers.
How does a 2-year CD fit into a CD ladder strategy?
A 24-month CD is a common middle rung in a CD ladder. By staggering maturity dates (e.g., 6-month, 12-month, 18-month, 24-month), you maintain regular access to a portion of your savings while maximizing overall yield.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 24-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 2-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: April 5, 2026
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