Delaware

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Wilmington, Delaware CD Rates – 2-Year

You are viewing rates from banks across Wilmington





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

Wilmington, DE - August 1, 2025

2 Year CD National Average : 0.66% ?

Banks APY MIN MILES ?

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: 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: 4.20% → 4.00% → 3.70% → 3.60% → 3.50%

| 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

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

| Mar 20, 2016

Good solid bank. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.50% → 4.00% → 3.75% → 3.25% → 3.00%

| May 2, 2022

Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More

Rate History: 4.50% → 4.00% → 3.75% → 3.00%

| Aug 5, 2020

I used to go to M&T when it was still Provident Bank. M&T has been very responsive to my needs and I have been pleased with the banking experience. 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: 3.15% → 2.50%

| Jan 25, 2015

Want home equity loan at 443 Pierce Lane, Kennett Square PA, 30M, 10 yrs, excellent credit rating. 610-388-2278. Read More

Rate History: 1.75% → 1.00%

| Nov 8, 2019

farmer Read More

Rate History: 4.00% → 1.00% → 4.00% → 1.00%

| May 19, 2018

Experience Read More

Rate History: 2.00% → 0.50%

| 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

| 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

Rate History: 2.00% → 0.25%

| May 11, 2023

They made mistakes twice and would not correct them 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

0.05%

$10,000

13.01

Learn More

| 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

| 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

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 Wilmington, DE - August 1, 2025


Branch Street City State
Capital One, National Association
Www.Capitalone360.com Branch
1 South Orange Street Wilmington DE
Citizens
Suburban Acme Branch
100 Suburban Drive Newark DE
Barclays Bank Delaware
Barclays Bank Delaware Branch
125 South West Street Wilmington DE
Manufacturers and Traders Trust Company
Suburban Plaza Branch
550 Suburban Drive Newark DE
Artisans' Bank
Glasgow Branch
2424 Pulaski Highway Newark DE
Wilmington Savings Fund Society, FSB
West Newark Branch
201 Suburban Plaza Newark DE
TD Bank, National Association
Newark, De Branch
230 E. Delaware Avenue Newark DE
Fulton Bank, National Association
Newark Branch
281 East Main Street Newark DE
Citibank, National Association
New Castle Branch
One Penn's Way New Castle DE
Santander Bank, N.A.
Santander Bank, N.A. Branch
824 North Market Street, Suite 100 Wilmington DE
Applied Bank
Applied Bank Branch
2200 Concord Pike Wilmington DE
PNC Bank, National Association
Pnc Bank, National Association Branch
425 New London Road Newark DE
Bank of America, National Association
New Castle County De Mobile Unit#2 B Branch
00000 Newark DE


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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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