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Boca Raton, Florida CD Rates – 2-Year

You are viewing rates from banks across Boca Raton





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

Boca Raton, FL - August 2, 2025

2 Year CD National Average : 0.66% ?

Banks APY MIN MILES ?

Rate History: 1.00% → 2.75% → 2.75% → 5.25%

| Aug 30, 2023

Try to open account on line make you use PLAID to xfer money PLAID doesn't connect with many banks, Cannot do over phone. Discover, Penfed all ok this bank is useless. I had acct before still bad. Stay aw... Read More

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

Warning: Early Withdrawal Penalty is 270 days interest.
Rate History: 0.50% → 3.80% → 3.75% → 4.30% → 3.60%

| 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

Rate History: 4.00% → 4.10% → 3.50% → 3.25% → 3.50%

| Apr 14, 2020

I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year 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: 4.30% → 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

| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00%

| Nov 12, 2018

Helpful w/$ 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: 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

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

| May 19, 2018

Experience Read More

| Jul 31, 2017

Outstanding bank, management and client service. Well run and financially very strong Read More

| Nov 11, 2021

nino Read More

| Apr 5, 2020

great Read More

| Jul 22, 2021

This is a criminal lender and the worst bank. They merged with CenterState Bank.. They have made our lives miserable with a wrongful, fraudulent foreclosure. We will be starting a Website with all of the ... Read More

0.65%

$100,000

22.94

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0.55%

$100,000

7.12

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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

| Jul 31, 2016

This Danny Burgess from Dalton. Ha. 30720 I am nominee next to kin. To Mrs. Endriani pipper and beneficidery. With your bank I want know. If you have received. The letter of funds release sent to ... Read More

0.40%

$10,000

7.12

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| Nov 15, 2020

Do they? Read More

0.30%

$100,000

16.26

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| 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

0.25%

$10,000

18.50

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0.25%

$10,000

22.94

Learn 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

0.20%

$10,000

16.26

Learn More

| Aug 22, 2019

Despite a perfect payment record of their Line of Credit during Four Years, Seacoast Bank arbitrarily sent a demand letter threatening legal action if I do not pay $ 39,000 immediately. The only option off... Read More

| Sep 12, 2023

Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More

| Oct 18, 2016

IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More

| Nov 15, 2020

Do they? Read More

| Dec 30, 2018

Garden14 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

| 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

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 Boca Raton, FL - August 2, 2025


Branch Street City State
Amerant Bank, Formerly Mercantil Bank
Weston Branch
2630 Weston Road Weston FL
Banesco USA
Weston Lakes Branch
316 Indian Trace Road Weston FL
HSBC Bank USA, National Association
Fort Lauderdale Branch
1600 Southeast Seventeenth Street Fort Lauderdale FL
Beal Bank USA
Miami Ii Branch
1200 Yamato Road, Suite C6 Boca Raton FL
Finworth, a division of InsBank
Fort Lauderdale Branch
600 South Andrews Avenue, Suite 100 Fort Lauderdale FL
Fifth Third Bank, National Association
Fort Lauderdale Branch
200 E. Las Olas Blvd Fort Lauderdale FL
Third Federal Savings and Loan Association of Cleveland
Plantation Branch
8500 West Broward Boulevard Plantation FL
BMO Bank National Association
West Palm Beach Branch
777 South Flagler Drive, Suite 140-E West Palm Beach FL
TD Bank, National Association
Hollywood Branch
5171 Sheridan Street Hollywood FL
FirstBank Puerto Rico
Sunrise Branch
10147-A West Oakland Park Booulevard, Welleby Plaza Sunrise FL
OptimumBank
Optimumbank Branch
10197 Cleary Boulevard Plantation FL
FineMark National Bank & Trust
Palm Beach Branch
340 Royal Palm Way Palm Beach FL
SouthState Bank, National Association
Las Olas Branch
901 E Las Olas Blvd, Suite 103 Fort Lauderdale FL
Natbank, National Association
Natbank, National Association Branch
4031 Oakwood Boulevard Hollywood FL
Banco do Brasil Americas
Pompano Beach Branch
839 West Sample Road Pompano Beach FL
Citibank, National Association
Dania Branch
255 East Dania Beach Boulevard Dania FL
City National Bank of Florida
Las Olas Branch
450 East Las Olas Boulevard Fort Lauderdale FL
Banco do Brasil Americas
Pompano Beach Branch
839 West Sample Road Pompano Beach FL
Centennial Bank
Hollywood Branch
3309 Sheridan Street Hollywood FL
Desjardins Bank, National Association
Lauderhill Branch
7329 W. Oakland Park Blvd. Lauderhill FL
Interamerican Bank, A FSB
South Congress Avenue Branch
2265 South Congress Ave West Palm Beach FL
Natbank, National Association
Natbank, National Association Branch
4031 Oakwood Boulevard Hollywood FL
Desjardins Bank, National Association
Lauderhill Branch
7329 W. Oakland Park Blvd. Lauderhill FL
Seacoast National Bank
Lantana Branch
2000 Lantana Road Lantana FL
Bank OZK
Fort Lauderdale Branch
600 South Andrews Avenue, Suite 100 Fort Lauderdale FL
Comerica Bank
Fort Lauderdale Branch
100 Northeast Third Avenue Suite 100 Fort Lauderdale FL
BankUnited, National Association
Hollywood Branch
4919 Sheridan Street Hollywood FL
Centennial Bank
Hollywood Branch
3309 Sheridan Street Hollywood FL
First Horizon Bank
Sunrise Branch
4699 Nob Hill Road Sunrise FL
First-Citizens Bank & Trust Company
Fort Lauderdale Branch
6451 North Federal Highway, Suite 101 Fort Lauderdale FL
U.S. Bank National Association
Palm Beach Pcr Branch
324 Royal Palm Way Palm Beach FL
PNC Bank, National Association
Radius Drive Branch
1800 Radius Drive Hollywood FL
Fifth Third Bank, National Association
Fort Lauderdale Branch
200 E. Las Olas Blvd Fort Lauderdale FL


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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