Kansas

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Manhattan, Kansas CD Rates – 2-Year

You are viewing rates from banks across Manhattan

 

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

Manhattan, KS - November 14, 2024

2 Year CD National Average : 0.66% ?

Banks APY MIN MILES ?

Rate History: 4.47% → 4.27% → 4.42% → 4.20% → 3.90%

| 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

Rate History: 3.50% → 4.50% → 3.75% → 4.00% → 3.50%

| Jun 21, 2022

The new rates have eclipsed shat i currently hold with this bank. Read More

Rate History: 4.25% → 4.00% → 3.50% → 3.00%

1.26%

$10,000

2.13

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1.21%

$10,000

0.80

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1.00%

$500

23.65

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1.00%

$10,000

18.34

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0.95%

$10,000

0.80

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0.90%

$10,000

2.90

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0.75%

$10,000

22.56

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0.70%

$10,000

2.18

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0.63%

$10,000

15.07

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0.60%

$10,000

1.02

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0.50%

$500

19.73

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0.50%

$10,000

2.13

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.40%

$10,000

17.81

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0.40%

$10,000

19.80

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| Jun 9, 2019

They don't have this rate anymore. 5 year rate is only 3.11 Read More

0.26%

$50,000

18.48

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.16%

$10,000

18.48

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0.15%

$10,000

2.01

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

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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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