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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Arizona
Below are two-year Certificates of Deposit (CD) rates from banks in Arizona. Two-year CDs generally offer a higher rate than 1-year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.
AZ - December 21, 2024
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.51% |
$1,000 |
- |
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Rate History: 4.51% → 4.51% |
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4.15% |
$1,000 |
- |
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Rate History: 4.30% → 4.20% → 4.15% |
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george | Feb 9, 2021 The wonderful assistants at Beal Bank are wonderful. Rebeca took great care of me and made sure all my concerns were addressed. Read More |
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4.05% |
$1,000 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest.
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Rob H. | Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More |
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3.90% |
$500 |
- |
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Rate History: 4.47% → 4.27% → 4.42% → 4.20% → 3.90% |
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HonestReview | Apr 19, 2023 This bank was honest and I had no problems with them in person. Not everyone was equally competent but they got help. Read More |
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3.75% |
$1,000 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest.
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Dkplan | Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More |
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3.75% |
$5,000 |
- |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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3.60% |
$0 |
- |
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Rate History: 4.30% → 4.20% → 4.00% → 3.70% → 3.60% |
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highstream | Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More |
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3.36% |
$1,000 |
- |
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3.35% |
$500 |
- |
Learn More
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JohnC | Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More |
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3.25% |
$2,500 |
- |
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3.25% |
$1,000 |
- |
Learn More
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Rate History: 3.50% → 3.25% |
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3.05% 3.00% |
$99,999 $500 |
- |
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Rate History: 3.55% → 3.05% |
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2.95% |
$10,000 |
- |
Learn More
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Rate History: 3.56% → 3.50% → 2.95% |
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Carrandrewb | Aug 5, 2022 The worst customer service during covid. I lost my wallet they were nit understanding when things were shutting down. I knew covid was going to be bad and did not want to be around people. They did nit eve... Read More |
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2.90% |
$2,000 |
- |
Learn More
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Rate History: 3.40% → 3.00% → 2.85% → 2.75% → 2.90% |
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2.53% |
$1,000 |
- |
Learn More
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Rate History: 3.05% → 2.53% |
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2.00% |
$10,000 |
- |
Learn More
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.75% |
$1,000 |
- |
Learn More
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1.65% |
$1,000 |
- |
Learn More
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Rate History: 4.40% → 4.00% → 3.85% → 2.60% → 1.65% |
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RYAN S | Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More |
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1.55% |
$100,000 |
- |
Learn More
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Rate History: 3.05% → 1.55% |
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Aku | May 29, 2020 Dua Read More |
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1.50% |
$1,000 |
- |
Learn More
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Rate History: 0.05% → 1.50% → 4.00% → 1.50% |
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Beenthere | Jan 29, 2024 Tried to enter information on line to open a 5 year CD, multiple time and wasn't accepted. Talked to a live person who was of no help at all. My credit score is over 800 and I have plenty of money in oth... Read More |
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1.35% |
$1,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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Rate History: 4.00% → 1.00% → 4.00% → 1.00% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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0.80% |
$10,000 |
- |
Learn More
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0.75% 0.50% |
$100,000 $1,000 |
- |
Learn More
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Rate History: 0.40% → 0.75% |
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0.75% |
$10,000 |
- |
Learn More
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mobert52 | Sep 26, 2018 Drove to PHX to open an acct. The listed address is VACANT. No info available for other branches. Found another listed branch office, office is vacant. Screw you Goldwater Bank, you want my money and y... Read More |
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0.75% |
$10,000 |
- |
Learn More
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0.70% |
$10,000 |
- |
Learn More
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Fran1 | Feb 4, 2020 Academy was great helping me open a new account Read More |
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0.70% |
$2,500 |
- |
Learn More
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0.65% |
$10,000 |
- |
Learn More
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jpchamorro | Apr 5, 2020 great Read More |
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0.60% |
$10,000 |
- |
Learn More
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0.55% |
$10,000 |
- |
Learn More
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0.55% |
$100,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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dionpayne | Jun 28, 2017 showmefivethousanddollars Read More |
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0.50% |
$10,000 |
- |
Learn More
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Harry Reese | Jul 22, 2015 Fix your automated system so I can find information after you close Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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Fredbird | Aug 30, 2017 Excellent bank with a friendly helpful staff Read More |
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0.50% |
$0 |
- |
Learn More
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Rate History: 2.00% → 0.50% |
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Azoic | Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More |
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0.46% |
$10,000 |
- |
Learn More
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Dianna Jackson | Dec 1, 2022 I have banked at First Fidelity since 1991 I think. Their banking staff has always been so helpful. I had a person years ago take one of my blank check and cashed it for 250.00. I caught it right away ... Read More |
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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BENNIE BROOKS | Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More |
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0.28% |
$10,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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Ed | Jun 20, 2019 12 month rate not 2.5. Changed to 1.5%. Read More |
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0.25% |
$1,000 |
- |
Learn More
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sharzns | Jun 17, 2022 Midfirst doesn't seem to encourage any accounts other than checking. I have two. I've tried opening others, but they talk me out of it every single time. Read More |
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0.25% |
$10,000 |
- |
Learn More
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RS | Jun 1, 2020 UMB does not honor the rate posted here! Read More |
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0.20% |
$1,000 |
- |
Learn More
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jim | Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More |
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0.15% |
$100 |
- |
Learn More
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william | Apr 10, 2022 these are the absolute worst rates in history--a 5 year old could see that--either wake up or close your doors to legitimate customers! Read More |
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0.10% |
$1 |
- |
Learn More
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Cory,Baldwin | Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More |
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0.05% |
$2,500 |
- |
Learn More
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Rate History: 0.01% → 0.05% |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.05% |
$10,000 |
- |
Learn More
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CatAnn | Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More |
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0.05% |
$500 |
- |
Learn More
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MrBond | Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More |
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0.05% |
$500 |
- |
Learn More
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Ugg | Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More |
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0.03% |
$25,000 |
- |
Learn More
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GAM | May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More |
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0.03% |
$100,000 |
- |
Learn More
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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0.01% |
$10,000 |
- |
Learn More
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.
While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.
In general, if rates are rising, it makes sense not to lock up money for an extended period of time.
If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.
Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.
All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.
To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
Use or Change these Amounts And Rates