Best 24-Month CD Rates - March 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 Ouachita Valley Federal Credit UnionOuachita Valley Federal Credit Union1420 Natchitoches St, West Monroe, LA 71292A+5.0 ★Texas Ratio: 4.59% offering 24-Month IRA at 4.33% APY.
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: March 20, 2026
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
2.624%
▼ 0.186 from last week
Compiled from 5,289 current rates
National 24-month CD rates fell 0.186 points this week to 2.624% APY, down from 2.810% last week.
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Compare the Best 24-Month CD Rates Nationwide
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 20, 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 17, 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 15, 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
UpdatedMar 17, 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
4.30%
▼
Rate4.21%
Min Deposit$500
UpdatedMar 15, 2026
Details
No additional details available.
Utah Power Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
1407 W North Temple Ste 120C, Salt Lake City, UT 84116
24-Month Certificate of Deposits
$500
4.25%
▼
Rate—
Min Deposit$500
UpdatedMar 15, 2026
Details
Rates are as of March 1, 2026 and are subject to change. A penalty may be imposed for early withdrawal.
Members First Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
120 E 1000 S, Brigham City, UT 84302 4357
2 Year CD
$0
4.20%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 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
UpdatedMar 16, 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 17, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1520 W Colorado Blvd, Pasadena, CA 91105 1413
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
UpdatedMar 18, 2026
Details
$100,000 and over
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 17, 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 18, 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
UpdatedMar 20, 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 17, 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 20, 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
UpdatedMar 20, 2026
Details
No additional details available.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
1270 N Dysart Rd, Goodyear, AZ 85395
Business 2 Year Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
UpdatedMar 18, 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
UpdatedMar 15, 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
Traditional & Roth IRA's 2 Year
$1,000
3.96%
▼
Rate3.90%
Min Deposit$1,000
UpdatedMar 20, 2026
Details
No additional details available.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
24 Month Certificate
$0
3.95%
▼
Rate3.87%
Min Deposit$0
UpdatedMar 15, 2026
Details
Rate Special
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 11, 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 20, 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
UpdatedMar 20, 2026
Details
No additional details available.
Family Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
225 White St W, Rock Hill, SC 29730 4039
24 Month Certificate
$500
3.90%
▼
Rate3.84%
Min Deposit$500
UpdatedMar 18, 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 20, 2026
Details
No additional details available.
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
520 Eagleview Blvd, Exton, PA 19341
24 Month Business Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
*Additional terms apply.
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
24 Month CD
$1,000
3.84%
▼
Rate3.80%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
Grant County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
201 S Main St, Ulysses, KS 67880
2 Year IRA Certificates
$100
3.83%
▼
Rate3.80%
Min Deposit$100
UpdatedMar 20, 2026
Details
No additional details available.
Liberty Bank Poulsbo, WA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
20150 7th Ave Ne, Poulsbo, WA 98370
IRA Certificate of Deposit 24 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 20, 2026
Details
No additional details available.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
24 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL 36109
Business Share Certificates 2 Year
$500
3.80%
▼
Rate3.75%
Min Deposit$500
UpdatedMar 15, 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
UpdatedMar 15, 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
UpdatedMar 15, 2026
Details
No additional details available.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
601 OLIVE ST, TEXARKANA, TX 75501
24 Month Certificate Programs
$0
3.76%
▼
Rate3.70%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
508 State St, Fremont, MI 49412
24 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
UpdatedMar 20, 2026
Details
No additional details available.
DC Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
2000 14th St NW, Washington, DC 20009 4473
24 Month Share Certificate
$0
3.74%
▼
Rate—
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
5Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
104 S Cascade Ave, Colorado Springs, CO 80903
24 Month Variable IRA
$250
3.71%
▼
Rate3.64%
Min Deposit$250
UpdatedMar 17, 2026
Details
No additional details available.
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
24 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 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
UpdatedMar 16, 2026
Details
No additional details available.
Workers Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.04%
815 Main St, Fitchburg, MA 01420
24-Month Certificates of Deposit (CDs)
$500
3.67%
▼
Rate3.61%
Min Deposit$500
UpdatedMar 15, 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 - Minimum 24 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
UpdatedMar 15, 2026
Details
Balance $1,000
Anthem Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
23910 Railroad Ave, Plaquemine, LA 70764
24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Greater Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
4415 5th Ave, Pittsburgh, PA 15213
2 Year Certificates of Deposit (CDs) & Existing IRAs
$1,000
3.64%
▼
Rate3.60%
Min Deposit$1,000
UpdatedMar 20, 2026
Details
No additional details available.
Advanced Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
785 CENTRAL AVE, NEW PROVIDENCE, NJ 07974
IRA Roth or Traditional SC 24 Mo.
$500
3.61%
▼
Rate3.55%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
Phelps County Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
220 N Jefferson St, Saint James, MO 65559
24 Month CD
$0
3.60%
▼
Rate3.55%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Cross Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
640 Baltimore Dr, Wilkes Barre, PA 18702 7943
24 Month Certificates
$0
3.59%
▼
Rate3.54%
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - IRA & Jumbo 24 Month to 29 Month
$0
3.57%
▼
Rate3.52%
Min Deposit$0
UpdatedMar 20, 2026
Details
No additional details available.
Directions Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
5121 Whiteford Rd, Sylvania, OH 43560
24 Month Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ 85282
IRA Certificate 24 Month
$2,000
3.55%
▼
Rate—
Min Deposit$2,000
UpdatedMar 20, 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 of Deposit
$500
3.54%
▼
Rate3.50%
Min Deposit$500
UpdatedMar 15, 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 15, 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
UpdatedMar 17, 2026
Details
No additional details available.
Educational Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.70%
2222 W Shaw Ave, Fresno, CA 93711 3419
2 Year Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
UpdatedMar 20, 2026
Details
No additional details available.
PSE Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
472 Weston Canal Rd, Somerset, NJ 08873
IRA 2 Year
$500
3.50%
▼
Rate3.45%
Min Deposit$500
UpdatedMar 17, 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
UpdatedMar 18, 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
UpdatedMar 18, 2026
Details
Entire Balance
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
CD & IRA 24 Month
$0
3.46%
▼
Rate3.40%
Min Deposit$0
UpdatedMar 13, 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
UpdatedMar 15, 2026
Details
$5,000 - $25,000
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
503 W Main St, Morehead, KY 40351 1539
IRA Share Certificate (24-month)
$0
3.44%
▼
Rate3.40%
Min Deposit$0
UpdatedMar 20, 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 20, 2026
Details
No additional details available.
Rate3.35%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.05%
1301 Post Rd, Plover, WI 54467
2 Year CD
$0
3.40%
▼
Rate3.35%
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
First National Bank in Philip
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
127 Main St, Faith, SD 57626
2 Year Certificate of Deposit
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
UpdatedMar 16, 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
$0
3.37%
▼
Rate3.35%
Min Deposit$0
UpdatedMar 11, 2026
Details
No additional details available.
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 15, 2026
Details
No additional details available.
Credit Union Of Denver Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
9305 W ALAMEDA AVE, LAKEWOOD, CO 80226
IRA 24 Month Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
Hawaii Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
681 S King St, Honolulu, HI 96813 3016
24 Month Share Certificate
$500
3.34%
▼
Rate3.30%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
KBR Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
601 JEFFERSON ST # KT 02, HOUSTON, TX 77002
2 Year Term Share Certificate
$2,500
3.33%
▼
Rate3.27%
Min Deposit$2,500
UpdatedMar 20, 2026
Details
No additional details available.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
UpdatedMar 20, 2026
Details
No additional details available.
Route 31 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
715 Terrace St, Muskegon, MI 49440
24 month Certificate of Deposit
$0
3.30%
▼
Rate—
Min Deposit$0
UpdatedMar 17, 2026
Details
No additional details available.
Premier Bank Omaha, NE
Institution Rating:
A+5.0 ★Texas Ratio: 0.07%
16802 Burke St, Omaha, NE 68118
IRA Certificates of Deposit 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Vermont State Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.49%
106 N Main St, Vermont, IL 61484
24 month CD and over
$100,000
3.28%
▼
Rate3.25%
Min Deposit$100,000
UpdatedMar 15, 2026
Details
$100,000
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
UpdatedMar 15, 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
UpdatedMar 17, 2026
Details
No additional details available.
Kemba Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
555 Officenter Pl, Gahanna, OH 43230 5314
24 Month Rate Bump Term IRA
$0
3.25%
▼
Rate—
Min Deposit$0
UpdatedMar 20, 2026
Details
KEMBA Advantage APY
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
UpdatedMar 11, 2026
Details
No additional details available.
Community Bank Mankato
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
201 Main St E, Vernon Center, MN 56090
24 mo. CD
$0
3.23%
▼
Rate—
Min Deposit$0
UpdatedMar 18, 2026
Details
No additional details available.
HAXTUN COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
229 S Colorado Ave, Haxtun, CO 80731 5018
24 month Share Certificates / CDs
$1,000
3.21%
▼
Rate—
Min Deposit$1,000
UpdatedMar 20, 2026
Details
No additional details available.
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.59%
15325 Weir St, Omaha, NE 68137 5061
Baby Bundle Certificates 24 Month
$0
3.20%
▼
Rate3.15%
Min Deposit$0
UpdatedMar 16, 2026
Details
No additional details available.
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY 14224
24 Month Term Share (Certificate)
$2,500
3.19%
▼
Rate3.15%
Min Deposit$2,500
UpdatedMar 17, 2026
Details
No additional details available.
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
UpdatedMar 18, 2026
Details
Minimum additions of $250.00 or more permitted.
Community Bank of Raymore
Institution Rating:
A+5.0 ★
1503 N State Route 291, Harrisonville, MO 64701
IntraFi� Network Deposits (formerly CDARS �) 2-year (104-week)
$10,000
3.17%
▼
Rate3.11%
Min Deposit$10,000
UpdatedMar 18, 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
UpdatedMar 16, 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
UpdatedMar 17, 2026
Details
Over $50,000
F&M Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
159 W James St, Columbus, WI 53925
24 Month IRA CD
$1,000
3.12%
▼
Rate3.10%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
NORTHERN SKIES
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK 99508
24-Month Share Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
UpdatedMar 15, 2026
Details
$100,000 and over
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
24 Month Term Certificate
$0
3.09%
▼
Rate3.05%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
3130 E Mound Rd, Decatur, IL 62526
24-month - Share Certificates
$0
3.08%
▼
Rate3.04%
Min Deposit$0
UpdatedMar 20, 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
Share IRA Certificates 24 month
$0
3.07%
▼
Rate3.03%
Min Deposit$0
UpdatedMar 13, 2026
Details
No additional details available.
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN 38111
2 Year Certificate
$10,000
3.05%
▼
Rate3.05%
Min Deposit$10,000
UpdatedMar 17, 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 18, 2026
Details
$1,000.00 Minimum balance required
Greater Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
3305 E Elms Rd, Killeen, TX 76542
24 month Certificates of Deposits
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
UpdatedMar 20, 2026
Details
No additional details available.
Old Exchange Bank of Okawville
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
110 E Walnut St, Okawville, IL 62271
24 Month Certificate
$0
3.02%
▼
Rate3.00%
Min Deposit$0
UpdatedMar 15, 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
UpdatedMar 20, 2026
Details
No additional details available.
Buckeye State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
520 S Main St, Akron, OH 44311
24 month CD
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
UpdatedMar 18, 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
Share Certificate 24 Month
$100,000
2.99%
▼
Rate2.95%
Min Deposit$100,000
UpdatedMar 15, 2026
Details
No additional details available.
Brokaw Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
2006 Schofield Ave, Weston, WI 54476 2381
IRA 2 year Certificate
$500
2.98%
▼
Rate2.95%
Min Deposit$500
UpdatedMar 18, 2026
Details
No additional details available.
Vermont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
84 Pine St, Burlington, VT 05401 4441
IRA Certificate 24 mo
$0
2.95%
▼
Rate—
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
CSE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4321 Nelson Rd, Lake Charles, LA 70605 4119
IRA Certificate 2-Year
$0
2.94%
▼
Rate2.90%
Min Deposit$0
UpdatedMar 18, 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
$500
2.93%
▼
Rate2.90%
Min Deposit$500
UpdatedMar 20, 2026
Details
Daily Balances of: $500 - $99,999.99
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
UpdatedMar 15, 2026
Details
No additional details available.
Midcoast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
831 Middle St, Bath, ME 04530 2401
IRA Certificates 2 Year
$0
2.91%
▼
Rate2.87%
Min Deposit$0
UpdatedMar 20, 2026
Details
No additional details available.
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
5615 Chesbro Ave, San Jose, CA 95123 3046
24-Month Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
UpdatedMar 20, 2026
Details
No additional details available.
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.08%
930 N Howard St, Spokane, WA 99201
24 Month Term Share (or IRA)
$0
2.89%
▼
Rate2.85%
Min Deposit$0
UpdatedMar 18, 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
UpdatedMar 20, 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
UpdatedMar 20, 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
UpdatedMar 17, 2026
Details
Compounded Monthly
Frontwave Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
2454 Vista Way, Oceanside, CA 92054
2-Year Share Certificates
$0
2.85%
▼
Rate2.81%
Min Deposit$0
UpdatedMar 20, 2026
Details
No additional details available.
ih Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
5000 Urbana Rd, Springfield, OH 45502 9069
24 month certificate
$0
2.84%
▼
Rate2.80%
Min Deposit$0
UpdatedMar 20, 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
$0
2.83%
▼
Rate2.80%
Min Deposit$0
UpdatedMar 15, 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 Certificates
$1,000
2.81%
▼
Rate2.85%
Min Deposit$1,000
UpdatedMar 12, 2026
Details
No additional details available.
UnitedOne Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
1117 S 10th St, Manitowoc, WI 54220 5211
2 Year Jumbo Share/IRA Certificate
$0
2.80%
▼
Rate2.77%
Min Deposit$0
UpdatedMar 15, 2026
Details
No additional details available.
Mountain River Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
205 E 3rd St, Salida, CO 81201
2 YEAR CERTIFICATE
$500
2.79%
▼
Rate—
Min Deposit$500
UpdatedMar 4, 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 17, 2026
Details
No additional details available.
FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
IRA - 2 Year
$0
2.77%
▼
Rate2.75%
Min Deposit$0
UpdatedMar 20, 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
$500
2.76%
▼
Rate2.69%
Min Deposit$500
UpdatedMar 16, 2026
Details
No additional details available.
Americas Christian Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
2100 E Route 66 Ste 100, Glendora, CA 91740 4623
24 Month Term Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
UpdatedMar 16, 2026
Details
No additional details available.
State Bank of Reeseville
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
203 S Main St, Reeseville, WI 53579
2 Year CD
$1,000
2.73%
▼
Rate2.70%
Min Deposit$1,000
UpdatedMar 15, 2026
Details
No additional details available.
UNCLE Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.45%
2100 LAS POSITAS CT, LIVERMORE, CA 94551 7301
Business 24 Month Certificate
$5,000
2.72%
▼
Rate2.69%
Min Deposit$5,000
UpdatedMar 15, 2026
Details
No additional details available.
OlyFed Olympia Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
421 Capitol Way S, Olympia, WA 98501
24 Mo. IRA
$50
2.70%
▼
Rate2.63%
Min Deposit$50
UpdatedMar 15, 2026
Details
No additional details available.
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MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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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: March 20, 2026
