You are viewing online cd rates.

Online CD Rates – 2 Year 2018

Two Year Certificates of Deposit (CD) rates from online banks are often above average if you are willing to open and manage your account using the Internet. Most online banks offer an online application and money can be transferred to fund the CD via an electronic transfer, check, wire, or credit card. To view rates for other CD terms, click the tabs above.

February 19, 2018

2 Year CD National Average: 0.80% ?

Advertiser Disclosure
Virtualbank, A Division Of Iberiabank
2.36% 2.95x $10,000, A Division Of Flushing Bank
2.35% 2.94x $1,000
Bankpurely, A Division Of Flushing Bank
2.35% 2.94x $1,000
Live Oak Banking Company
2.35% 2.94x $2,500
Popular Direct
2.35% 2.94x $10,000
Sallie Mae Bank
2.30% 2.88x $2,500
Purepoint Mufg Union
2.30% 2.88x $10,000
Northern Bank Direct
2.26% 2.83x $10,000
Bac Florida
2.25% 2.82x $100,000
Everbank / Tiaa Direct
2.11% 2.64x $1,500
Barclays Bank Delaware
2.10% 2.63x $0
Bank5 Connect
2.10% 2.63x $500
Nationwide Bank
2.05% 2.57x $100,000
2.02% 2.53x $1,000
M.y. Safra Bank, Fsb
2.02% 2.53x $5,000
Ally Bank
2.00% 2.50x $0
Synchrony Bank
2.00% 2.50x $2,000
Incredible Bank, A Division Of River Valley Bank
1.87% 2.34x $1,000
Navy Federal Credit Union
1.85% 2.32x $0
Discover Bank
1.85% 2.32x $2,500
Colorado Federal Savings Bank
1.85% 2.32x $5,000
Capital One 360
1.85% 2.32x $10,000
American Express Bank, Fsb
1.75% 2.19x $0
Radius Bank
1.70% 2.13x $500
My Banking Direct, A Division Of New York Community Bank
1.51% 1.89x $0
1.50% 1.88x $500
New Dominion Direct
1.50% 1.88x $1,000
Commercial Investment Trust
1.45% 1.81x $100,000
Commercial Investment Trust
1.40% 1.75x $1,000
Bank Of Internet, A Division Of Bofi Federal Bank
1.20% 1.50x $1,000
Onewest Bank, A Division Of Cit Bank
1.10% 1.38x $1,000
Cnb Bank Direct
0.86% 1.08x $1,000
Usaa Federal Savings Bank
0.86% 1.08x $175,000
Ablebanking, A Division Of Northeast Bank
0.70% 0.88x $1,000


Two Year CDs - Online Banks 2018

Two year certificates of deposit provide a saver with a fixed rate for two years in return for a commitment for keeping the money in the bank during that period. If the CD is "broken" and the funds are taken out earlier, banks assess a substantial penalty. A depositor should only invest in a two year CD if they do not need the money for the term of the CD. All two year CDs listed on BestCashCow are FDIC insured.

Online banks often offer rates that are higher than a CD from a branch-based bank. An individual who is comfortable banking and managing their money online may find an online bank to be a good choice. But before opening an account, it is wise to research the following questions:

  • How long does it take to open a CD and when is the rate locked?
  • How can the account be funded? More sophisticated banks provide an electronic means of funding while less sophisticated rely on sending a check via the mail.
  • How is the consumer notified when their CD is nearing maturity?
  • How can the funds be withdrawn once the CD has matured?

All banks listed on BestCashCow are FDIC insured; 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