Arizona

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Chandler, Arizona CD Rates – 2-Year

You are viewing rates from banks across Chandler





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

Chandler, AZ - August 2, 2025

2 Year CD National Average : 0.66% ?

Banks APY MIN MILES ?

Rate History: 4.51% → 4.51%

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.15%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Rate History: 3.90% → 4.20% → 4.25% → 4.20% → 4.15%

| 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: 4.50% → 4.20% → 4.05% → 3.75% → 4.00%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

| Nov 18, 2023

bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More

Rate History: 3.50% → 3.50% → 3.75% → 3.50%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 2.85% → 2.75% → 2.90% → 3.75% → 3.50%

Rate History: 4.30% → 4.20% → 4.15% → 3.45%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

Rate History: 3.05% → 1.55% → 2.30% → 2.05%

| May 29, 2020

Dua Read More

Rate History: 1.50% → 4.00% → 1.50% → 1.20% → 1.00%

| 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

0.80%

$10,000

10.00

Learn More

| 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

0.75%

$10,000

13.43

Learn More

| Feb 4, 2020

Academy was great helping me open a new account Read More

0.70%

$2,500

7.91

Learn More

| Apr 5, 2020

great Read More

0.60%

$10,000

14.98

Learn More

0.55%

$10,000

15.07

Learn More

0.55%

$100,000

20.96

Learn More

0.50%

$10,000

20.96

Learn More

| Aug 30, 2017

Excellent bank with a friendly helpful staff Read More

0.45%

$10,000

14.93

Learn More

| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

| Jun 10, 2022

This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More

| Mar 28, 2022

Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More

| 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

| 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

| 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

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

Branches Info around Chandler, AZ - August 2, 2025


Branch Street City State
Republic Bank of Arizona
Republic Bank Of Arizona Branch
645 E. Missouri Avenue, Suite 108 Phoenix AZ
KS StateBank
Phoenix Bank Branch
3877 North 7th Street, Suite 150 Phoenix AZ
Johnson Bank
Camelback Office 87000 Branch
3131 East Camelback Road Phoenix AZ
Beal Bank USA
Phoenix Bracnh Branch
7001 North Scottsdale Road, Suite C-135 Scottsdale AZ
Stearns Bank National Association
Arizona Branch
9225 East Shea Boulevard Scottsdale AZ
BOKF, National Association
Cambelback Branch
3001 East Cambelback Road Phoenix AZ
Bankers Trust Company
Bankers Trust Phoenix Branch
2525 East Camelback Phoenix AZ
BMO Bank National Association
Lower Buckeye Office Branch
7510 West Lower Buckeye Road Phoenix AZ
Gateway Commercial Bank
Gateway Commercial Bank Branch
6860 East Warner Road Mesa AZ
Goldwater Bank, N.A.
Goldwater Bank, N.A. Branch
7135 East Camelback Road, Suite I-201 Scottsdale AZ
West Valley National Bank
Scottsdale Branch
5635 N. Scottsdale Rd. Suite 150 Scottsdale AZ
Academy Bank, National Association
Glendale Manistee Branch
5605 West Northern Avenue Glendale AZ
Unison Bank
Gilbert Branch
1835 East Pecos Rd Gilbert AZ
FineMark National Bank & Trust
Scottsdale Branch
7600 East Doubletree Ranch Road, Ste 100 Scottsdale AZ
TrustBank
Phoenix Az Branch
2375 East Camelback Road, Suite 155 Phoenix AZ
First International Bank & Trust
Camelback Branch
2231 East Camelback Road Phoenix AZ
First National Bank Texas
Swm-North 75th Ave Banking Center Br Branch
2020 N. 75th Ave Phoenix AZ
First National Bank Texas
Swm-North 75th Ave Banking Center Br Branch
2020 N. 75th Ave Phoenix AZ
Enterprise Bank & Trust
Camelback Branch
3900 E Camelback Rd Phoenix AZ
Western Alliance Bank
Phoenix Plaza Branch
2901 N. Central Ave., Ste. 100 Phoenix AZ
Sunwest Bank
Tempe Office Branch
60 East Rio Salado Parkway Tempe AZ
First-Citizens Bank & Trust Company
First-Citizens Bank & Trust Company Branch
9633 S. 48th Street Phoenix AZ
U.S. Bank National Association
75th & Mcdowell Branch
1820 North 75th Avenue #100 Phoenix AZ


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 2025

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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