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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Carmel
Below are two-year Certificates of Deposit (CD) rates from banks in Carmel, Indiana. 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.
Carmel, IN - July 4, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.86% 3.37% |
$1,001 $1,000 |
1.09 |
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Flex index CD. Based on Prime minus 2.75%. Subject to change anytime. |
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65JimmyJay | Dec 12, 2022 Developed buyers remorse after they stopped raising the rate and switched to Brilliant. Read More |
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3.00% 0.01% |
$5,000 $500 |
19.40 |
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Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00% |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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2.25% |
$1,000 |
3.00 |
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Rate History: 3.25% → 2.75% → 2.50% → 2.25% |
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2.00% |
$10,000 |
19.40 |
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.50% |
$1,000 |
2.08 |
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1.00% |
$1,000 |
15.42 |
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Rate History: 1.50% → 4.00% → 1.50% → 1.20% → 1.00% |
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Beenthere | 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 |
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0.75% |
$10,000 |
1.40 |
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0.70% |
$1,000 |
17.14 |
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Rate History: 0.70% → 0.65% → 0.70% → 0.65% → 0.70% |
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0.70% |
$10,000 |
6.41 |
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Patty | Mar 21, 2020 Well here comes good old Union Savings the absolute worst bank to deal with in the world again today. We have no money coming in right now so we did not send in the mortgage payment yet because our family ... Read More |
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0.65% |
$10,000 |
23.09 |
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0.60% |
$100,000 |
18.42 |
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0.55% |
$1,000 |
18.42 |
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0.50% |
$1,000 |
17.53 |
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Allan | Mar 18, 2021 I called Huntington yesterday and the branch manager told me that the rate listed on Best Cash Cow doesn't exist......... Read More |
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0.50% |
$500 |
1.23 |
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0.50% |
$10,000 |
22.91 |
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0.45% |
$100,000 |
3.00 |
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0.28% |
$100,000 |
22.81 |
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0.25% |
$500 |
19.29 |
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0.25% |
$10,000 |
22.81 |
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0.22% |
$100,000 |
4.84 |
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0.20% |
$10,000 |
21.15 |
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jefflockwoodlaw2288@gmail.com | Jul 18, 2021 I have a neighbor whose mortgage is with ONB. I am licensed to practice law but I am not writing this review as a lawyer, but rather as a heads up if your spouse should happen to die while you owe any mone... Read More |
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0.20% |
$10,000 |
3.50 |
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0.20% |
$10,000 |
1.43 |
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0.20% |
$10,000 |
22.66 |
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0.15% |
$10,000 |
19.40 |
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0.12% |
$10,000 |
4.84 |
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0.10% |
$10,000 |
11.94 |
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0.07% |
$1,000 |
18.37 |
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0.05% |
$2,500 |
17.49 |
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Rate History: 0.01% → 0.05% |
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Seeko | Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More |
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0.03% |
$25,000 |
23.21 |
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GAM | 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 |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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