Best 2-Year CD Rates in Kansas, KS

You are viewing rates from banks across Kansas

Below are two-year Certificates of Deposit (CD) rates from banks in Kansas. 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.

KS - November 7, 2024

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
First Bank	4.68%	$500	-	Learn More Add Review
Midwest Heritage Bank, FSB	4.50%	$5,000	-	Learn More Add Review
Emprise Bank	4.50%	$1,000	-	Learn More Add Review
Fidelity Bank, National Association	4.25%	$500	-	Learn More Add Review
Rate History: 1.00% → 4.50% → 4.25%
Seattle Bank	4.05%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.75% → 4.40% → 4.30% → 4.05%
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 Reviews (2)
KS StateBank	3.90%	$500	-	Learn More
Rate History: 4.47% → 4.27% → 4.42% → 4.20% → 3.90%
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 Reviews (3)
Bank of Whittier, National Association	3.87%	$1,000	-	Learn More Add Review
Banesco USA	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 0.55% → 0.50% → 3.80% → 3.75%
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 Reviews (8)
Citizens	3.75%	$5,000	-	Learn More
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Capital One, National Association	3.70%	$0	-	Learn More
Rate History: 4.40% → 4.30% → 4.20% → 4.00% → 3.70%
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 Reviews (14)
Arvest Bank	3.55% 3.49%	$95,000 $10,000	-	Learn More Add Review
Rate History: 4.63% → 4.30% → 3.55%
Capitol Federal Savings Bank	3.50%	$1,000	-	Learn More
Rate History: 3.50% → 4.50% → 3.75% → 4.00% → 3.50%
JtAlmond \| Jun 21, 2022 The new rates have eclipsed shat i currently hold with this bank. Read More Reviews (1)
Gateway First Bank	3.35%	$500	-	Learn More
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 Reviews (3)
Security Bank of Kansas City	3.29%	$500	-	Learn More
Rate History: 2.02% → 3.29%
ccass \| Sep 13, 2021 On September 13th, 2021. I called “SBOK” to verify if the account number matches the business name that is on the check I’ve received. I spoke with a supervisor named Brenda Jones. Brenda informed me... Read More Reviews (1)
RCB Bank	3.25%	$1,000	-	Learn More
Holly cannady \| Oct 13, 2020 Been banking with RCB for 20 years now after today this will probably be my last year I was in a car wreck and my car was a total loss insurance set me a check. When up to the bank to try to catch it so I ... Read More Reviews (1)
Blue Foundry Bank	3.25%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.25%
Intrust Bank, National Association	3.00%	$500	-	Learn More Add Review
Rate History: 4.25% → 4.00% → 3.50% → 3.00%
USAA Federal Savings Bank	2.60%	$1,000	-	Learn More
Rate History: 5.00% → 4.40% → 4.00% → 3.85% → 2.60%
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 Reviews (2)
Centera Bank	2.31% 2.26%	$100,000 $500	-	Learn More Add Review
Argentine Federal Savings	2.18%	$1,000	-	Learn More Add Review
Rate History: 1.26% → 2.28% → 2.18%
First Federal Bank of Kansas City	2.02%	$1,000	-	Learn More Add Review
Citibank, National Association	2.00%	$0	-	Learn More
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 Reviews (11)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
BOKF, National Association	1.55%	$100,000	-	Learn More
Rate History: 3.05% → 1.55%
Aku \| May 29, 2020 Dua Read More Reviews (1)
BMO Bank National Association	1.50%	$1,000	-	Learn More
Rate History: 0.05% → 1.50% → 4.00% → 1.50%
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 Reviews (9)
Swedish-American State Bank	1.26%	$10,000	-	Learn More Add Review
New Century Bank	1.26%	$10,000	-	Learn More Add Review
The Baldwin State Bank	1.26%	$10,000	-	Learn More Add Review
Mid-America Bank	1.25%	$10,000	-	Learn More Add Review
ESB Financial	1.21%	$10,000	-	Learn More Add Review
The Lyon County State Bank	1.21%	$500	-	Learn More Add Review
The Security State Bank	1.20%	$10,000	-	Learn More Add Review
The State Bank of Bern	1.20%	$10,000	-	Learn More Add Review
The Bendena State Bank	1.20%	$10,000	-	Learn More Add Review
Flint Hills Bank	1.20%	$100,000	-	Learn More Add Review
Kaw Valley State Bank	1.20%	$10,000	-	Learn More Add Review
NINNESCAH VALLEY BANK	1.15%	$100,000	-	Learn More Add Review
The First State Bank of Healy	1.15%	$100,000	-	Learn More Add Review
Citizens Bank	1.11%	$500	-	Learn More Add Review
Impact Bank	1.10%	$10,000	-	Learn More Add Review
Ford County State Bank	1.10%	$10,000	-	Learn More Add Review
The Farmers State Bank of Bucklin, Kansas	1.10%	$10,000	-	Learn More Add Review
Flint Hills Bank	1.10%	$10,000	-	Learn More Add Review
The Stock Exchange Bank, Caldwell, Kansas	1.10%	$10,000	-	Learn More Add Review
The Haviland State Bank	1.06%	$10,000	-	Learn More Add Review
Heritage Bank	1.06%	$10,000	-	Learn More Add Review
Farmers Bank & Trust	1.05%	$100,000	-	Learn More Add Review
NINNESCAH VALLEY BANK	1.05%	$10,000	-	Learn More Add Review
The First State Bank of Healy	1.05%	$10,000	-	Learn More Add Review
The Howard State Bank, Howard, Kansas	1.05%	$10,000	-	Learn More Add Review
First Commerce Bank	1.01%	$10,000	-	Learn More Add Review
The Fowler State Bank	1.01%	$10,000	-	Learn More Add Review
The Citizens State Bank of Cheney, Kansas	1.01%	$10,000	-	Learn More Add Review
Bank 7	1.01%	$10,000	-	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
Chisholm Trail State Bank	1.00%	$1,000	-	Learn More Add Review
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.00% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Farmers and Merchants Bank	1.00%	$500	-	Learn More Add Review
Mutual Savings Association	1.00%	$10,000	-	Learn More Add Review
Bank of Denton	1.00%	$10,000	-	Learn More Add Review
First FarmBank	1.00%	$10,000	-	Learn More Add Review
The Farmers State Bank	1.00%	$500	-	Learn More Add Review
Exchange Bank	1.00%	$10,000	-	Learn More Add Review
Patriots Bank	1.00%	$500	-	Learn More Add Review
Marquette Farmers State Bank of Marquette	1.00%	$10,000	-	Learn More Add Review
The State Bank of Canton, Canton, Kansas	1.00%	$10,000	-	Learn More Add Review
The Walton State Bank	1.00%	$10,000	-	Learn More
Wrayfab-1 \| Nov 20, 2021 Excellent The way banking should be. Read More Reviews (1)
Garden Plain State Bank	1.00%	$10,000	-	Learn More Add Review
Union State Bank	1.00%	$10,000	-	Learn More Add Review
The First National Bank of Sedan	0.99%	$10,000	-	Learn More Add Review
Farmers Bank & Trust	0.95%	$10,000	-	Learn More Add Review
ESB Financial	0.95%	$10,000	-	Learn More Add Review
The Halstead Bank	0.95%	$10,000	-	Learn More Add Review
Legacy Bank	0.95%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.90%	$50,000	-	Learn More Add Review
Farmers State Bank	0.90%	$10,000	-	Learn More Add Review
The Farmers State Bank of Westmoreland	0.90%	$10,000	-	Learn More Add Review
Community National Bank	0.90%	$100,000	-	Learn More Add Review
The First National Bank in Cimarron	0.90%	$100,000	-	Learn More Add Review
Kaw Valley Bank	0.90%	$100,000	-	Learn More Add Review
Alliance Bank	0.90%	$10,000	-	Learn More Add Review
Southwest National Bank	0.90%	$10,000	-	Learn More Add Review
Home Bank and Trust Company	0.90%	$10,000	-	Learn More Add Review
SJN Bank of Kansas	0.85%	$50	-	Learn More Add Review
The Citizens State Bank	0.85%	$1,000	-	Learn More Add Review
The Community Bank	0.85%	$100,000	-	Learn More Add Review
BancCentral, National Association	0.85%	$100,000	-	Learn More Add Review
Andover State Bank	0.85%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.83%	$100,000	-	Learn More Add Review
Great American Bank	0.80%	$1,000	-	Learn More Add Review
The Farmers State Bank	0.80%	$500	-	Learn More Add Review
The State Exchange Bank	0.80%	$10,000	-	Learn More Add Review
Golden Belt Bank, FSA	0.80%	$10,000	-	Learn More Add Review
The Denison State Bank	0.80%	$10,000	-	Learn More Add Review
Country Club Bank	0.80%	$50,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
Johnson State Bank	0.80%	$100,000	-	Learn More Add Review
Farmers Bank & Trust	0.80%	$10,000	-	Learn More Add Review
Peoples Bank	0.80%	$10,000	-	Learn More Add Review
Prairie Bank of Kansas	0.80%	$10,000	-	Learn More Add Review
Peoples Bank and Trust Company	0.80%	$10,000	-	Learn More Add Review
Bank of Greeley	0.80%	$3,000	-	Learn More Add Review
Southwind Bank	0.75%	$500	-	Learn More Add Review
Carson Bank	0.75%	$500	-	Learn More Add Review
Equity Bank	0.75%	$1,000	-	Learn More Add Review
American Bank of Baxter Springs	0.75%	$1,000	-	Learn More Add Review
Lyons Federal Bank	0.75%	$100,000	-	Learn More Add Review
State Bank of Downs	0.75%	$10,000	-	Learn More Add Review
Elk State Bank	0.75%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.75%	$50,000	-	Learn More Add Review
Citizens Federal Savings Bank	0.75%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.75%	$10,000	-	Learn More Add Review
Country Club Bank	0.75%	$10,000	-	Learn More
Watson1895 \| Feb 9, 2019 Can I order new checks online? Read More Reviews (1)
The Citizens National Bank	0.75%	$10,000	-	Learn More Add Review
Security State Bank	0.75%	$1,000	-	Learn More Add Review
The Community Bank	0.75%	$10,000	-	Learn More Add Review
The First State Bank	0.75%	$10,000	-	Learn More Add Review
The First State Bank of Ransom	0.75%	$10,000	-	Learn More Add Review
Farmers and Drovers Bank	0.75%	$10,000	-	Learn More Add Review
The Lyndon State Bank	0.75%	$10,000	-	Learn More Add Review
The Kansas State Bank Overbrook Kansas	0.75%	$10,000	-	Learn More Add Review
Kaw Valley Bank	0.75%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.75%	$10,000	-	Learn More Add Review
TriCentury Bank	0.75%	$10,000	-	Learn More
Jjjohnston7 \| Jun 25, 2021 TriCentury is great! They were there for me when my credit was not great, and I haven’t left because of their great customer service. Read More Reviews (2)
CrossFirst Bank	0.75%	$10,000	-	Learn More
gsander \| Nov 7, 2018 now pays 1.46% Read More Reviews (1)
Farmers and Merchants Bank of Mound City, Kansas	0.75%	$1,000	-	Learn More Add Review
Kanza Bank	0.75%	$10,000	-	Learn More Add Review
BancCentral, National Association	0.75%	$10,000	-	Learn More Add Review
Alva State Bank & Trust Company	0.75%	$100,000	-	Learn More Add Review
Community Bank of Wichita, Inc.	0.75%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.73%	$10,000	-	Learn More Add Review
Citizens State Bank and Trust Co., Ellsworth, Kansas	0.70%	$500	-	Learn More Add Review
Bank of Hays	0.70%	$1,000	-	Learn More Add Review
The Western State Bank	0.70%	$50,000	-	Learn More Add Review
SOLUTIONS NORTH BANK	0.70%	$1,000	-	Learn More Add Review
Lyons Federal Bank	0.70%	$10,000	-	Learn More Add Review
The First National Bank in Cimarron	0.70%	$10,000	-	Learn More Add Review
The First Security Bank	0.70%	$10,000	-	Learn More Add Review
CoreFirst Bank & Trust	0.70%	$10,000	-	Learn More Add Review
Labette Bank	0.70%	$10,000	-	Learn More Add Review
Academy Bank, National Association	0.70%	$10,000	-	Learn More
Fran1 \| Feb 4, 2020 Academy was great helping me open a new account Read More Reviews (5)
The Bank of Tescott	0.67%	$10,000	-	Learn More Add Review
GNBank, National Association	0.65%	$10,000	-	Learn More Add Review
The First National Bank of Spearville	0.65%	$100,000	-	Learn More Add Review
Farmers National Bank	0.65%	$10,000	-	Learn More Add Review
First National Bank and Trust	0.65%	$10,000	-	Learn More Add Review
The Citizens State Bank	0.65%	$1,000	-	Learn More Add Review
Johnson State Bank	0.65%	$10,000	-	Learn More Add Review
Alva State Bank & Trust Company	0.65%	$10,000	-	Learn More Add Review
Community National Bank & Trust	0.65%	$1,000	-	Learn More Add Review
The Bennington State Bank	0.63%	$10,000	-	Learn More Add Review
The First National Bank of Dighton	0.60%	$2,500	-	Learn More Add Review
The Union State Bank of Everest	0.60%	$1,000	-	Learn More Add Review
The City State Bank	0.60%	$10,000	-	Learn More Add Review
Farmers & Merchants Bank of Colby	0.60%	$10,000	-	Learn More Add Review
The Stockgrowers State Bank of Ashland, Kansas	0.60%	$10,000	-	Learn More Add Review
Adams Bank & Trust	0.60%	$10,000	-	Learn More Add Review
United Bank & Trust	0.60%	$10,000	-	Learn More Add Review
FNB Washington	0.60%	$10,000	-	Learn More Add Review
First Heritage Bank	0.60%	$100,000	-	Learn More Add Review
First State Bank and Trust	0.60%	$10,000	-	Learn More Add Review
The Plains State Bank	0.60%	$10,000	-	Learn More Add Review
Goppert State Service Bank	0.60%	$10,000	-	Learn More Add Review
The State Bank of Spring Hill	0.60%	$10,000	-	Learn More Add Review
Vintage Bank Kansas	0.60%	$100,000	-	Learn More Add Review
Prescott State Bank	0.60%	$10,000	-	Learn More Add Review
Omb Bank	0.60%	$1,000	-	Learn More Add Review
The Western State Bank	0.55%	$5,000	-	Learn More Add Review
The Fidelity State Bank and Trust Company	0.55%	$10,000	-	Learn More Add Review
The Wilson State Bank	0.55%	$1,000	-	Learn More Add Review
Union State Bank	0.55%	$10,000	-	Learn More Add Review
The Farmers State Bank of Blue Mound	0.55%	$10,000	-	Learn More Add Review
The First National Bank of Scott City	0.55%	$250	-	Learn More Add Review
The First National Bank of Syracuse	0.55%	$10,000	-	Learn More Add Review
The Exchange State Bank of St. Paul, Kansas	0.55%	$10,000	-	Learn More Add Review
Liberty Bank and Trust Company	0.53%	$10,000	-	Learn More Add Review
The Riley State Bank of Riley, Kansas	0.50%	$500	-	Learn More Add Review
The First National Bank of Louisburg	0.50%	$500	-	Learn More Add Review
The Kansas State Bank	0.50%	$500	-	Learn More Add Review
The First National Bank of Spearville	0.50%	$1,000	-	Learn More Add Review
New Century Bank	0.50%	$10,000	-	Learn More Add Review
The Citizens National Bank	0.50%	$10,000	-	Learn More Add Review
First Heritage Bank	0.50%	$10,000	-	Learn More Add Review
Community National Bank	0.50%	$10,000	-	Learn More Add Review
The Kearny County Bank	0.50%	$50,000	-	Learn More Add Review
Silver Lake Bank	0.50%	$10,000	-	Learn More Add Review
Enterprise Bank & Trust	0.50%	$10,000	-	Learn More
Fredbird \| Aug 30, 2017 Excellent bank with a friendly helpful staff Read More Reviews (1)
NBKC Bank	0.50%	$1	-	Learn More Add Review
The City National Bank and Trust Company of Lawton, Oklahoma	0.50%	$10,000	-	Learn More Add Review
Grant County Bank	0.48%	$100,000	-	Learn More Add Review
Armed Forces Bank, National Association	0.45%	$10,000	-	Learn More
BENNIE BROOKS \| Mar 25, 2015 OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More Reviews (2)
The Citizens National Bank	0.45%	$10,000	-	Learn More Add Review
Vintage Bank Kansas	0.45%	$10,000	-	Learn More Add Review
Bank of Commerce	0.45%	$10,000	-	Learn More Add Review
Grant County Bank	0.43%	$1	-	Learn More Add Review
Bank of Prairie Village	0.40%	$10,000	-	Learn More Add Review
Great Southern Bank	0.40%	$250	-	Learn More Add Review
Conway Bank	0.40%	$10,000	-	Learn More Add Review
FNB Bank	0.40%	$100,000	-	Learn More Add Review
BANKWEST OF KANSAS	0.40%	$0	-	Learn More Add Review
Landmark National Bank	0.40%	$10,000	-	Learn More Add Review
Union State Bank	0.40%	$10,000	-	Learn More Add Review
The Farmers State Bank	0.40%	$10,000	-	Learn More Add Review
First Bank Kansas	0.40%	$10,000	-	Learn More Add Review
The Kearny County Bank	0.40%	$10,000	-	Learn More Add Review
Citizens Bank of Kansas	0.40%	$500	-	Learn More Add Review
FirstOak Bank	0.40%	$10,000	-	Learn More Add Review
The First National Bank of Hutchinson	0.37%	$5,000	-	Learn More Add Review
The Farmers State Bank	0.35%	$10,000	-	Learn More Add Review
The Farmers State Bank of Oakley, Kansas	0.35%	$50,000	-	Learn More Add Review
The First National Bank of Hope	0.35%	$100,000	-	Learn More Add Review
NBH Bank	0.35%	$10,000	-	Learn More Add Review
Community Bank	0.35%	$10,000	-	Learn More Add Review
Cornerstone Bank	0.35%	$10,000	-	Learn More Add Review
Bank of Labor	0.35%	$10,000	-	Learn More
ksucat \| Nov 9, 2018 The online banking system for this bank is beyond ridiculous. I have tried on numerous occasions to get help and as soon as I get one issue resolved, sure enough another pops up. From passwords being lock... Read More Reviews (1)
Peoples State Bank	0.32%	$10,000	-	Learn More
kccode1 \| Jun 9, 2019 They don't have this rate anymore. 5 year rate is only 3.11 Read More Reviews (2)
Astra Bank	0.30%	$500	-	Learn More Add Review
The Peoples State Bank	0.30%	$10,000	-	Learn More Add Review
The Farmers State Bank of Oakley, Kansas	0.30%	$10,000	-	Learn More Add Review
The First National Bank of Hope	0.30%	$10,000	-	Learn More Add Review
ANB Bank	0.30%	$10,000	-	Learn More Add Review
The Valley State Bank	0.30%	$10,000	-	Learn More Add Review
Central National Bank	0.26%	$50,000	-	Learn More Add Review
Citizens State Bank and Trust Company	0.25%	$1,000	-	Learn More Add Review
UMB Bank, National Association	0.25%	$10,000	-	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
The Tampa State Bank	0.25%	$10,000	-	Learn More Add Review
The Baxter State Bank	0.25%	$10,000	-	Learn More Add Review
Fidelity State Bank and Trust Company	0.17%	$1,000	-	Learn More Add Review
Central National Bank	0.16%	$10,000	-	Learn More Add Review
Commerce Bank	0.15%	$10,000	-	Learn More Add Review
First National Bank of Omaha	0.08%	$500	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.01% → 0.05%
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 Reviews (2)
First-Citizens Bank & Trust Company	0.05%	$500	-	Learn More
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 Reviews (3)
FNB Bank	0.05%	$10,000	-	Learn More Add Review
U.S. Bank National Association	0.05%	$500	-	Learn More
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 Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
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 Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
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 Reviews (7)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2024

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.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

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.

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Bank On It:
The No Risk Way To Boost Your Savings

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BestCashCow
Guide To Credit Card Travel Rewards

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65 Questions to Ask before Choosing a CD

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The Insider's Guide
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Mortgages

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Plan and Optimize Your Finances

Kansas CD Rates – 2-Year

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Two Year CDs - Branch Banks 2024

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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