Best 2-Year CD Rates in Mississippi, MS

You are viewing rates from banks across Mississippi

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

MS - August 19, 2025

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Prime Alliance Bank	4.11%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.50% → 4.25% → 4.15% → 4.11%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.20% → 4.15% → 4.05% → 4.15% → 4.10%
Neil \| 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
Canadian Imperial Bank USA	4.01%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 4.20% → 3.70% → 3.70% → 4.01%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Colorado Federal Savings Bank	4.00%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months Interest. Rate History: 4.55% → 4.20% → 4.00% → 3.80% → 4.00%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
ableBanking, a division of Northeast Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.85% → 4.25% → 3.75% → 3.50% → 4.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
M.Y. Safra Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.60%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Sallie Mae Bank	4.00%	$2,500	-	Learn More
Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00%
HAL1975 \| 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 Reviews (40)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 180 days interest. Rate History: 4.40% → 4.10% → 3.80% → 3.85% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00%
79Thru \| 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
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.00%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.65% → 4.20% → 3.85% → 4.06% → 4.00%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
North American Savings Bank	4.00%	$5,000	-	Learn More
Rate History: 4.50% → 4.40% → 5.40% → 4.40% → 4.00%
A Terkowitz \| Feb 15, 2024 I have always had great experiences with short-term CDs from this bank. No delays. Read More Reviews (3)
Bask Bank, a division of Texas Capital Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
Goldman Sachs Bank	3.95%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 4.10% → 3.95%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Bank5 Connect	3.95%	$500	-	Learn More Add Review
Rate History: 4.25% → 3.95%
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Rising Bank, a division of Midwest BankCentre	3.90% 3.25%	$1,000 $100,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.25% → 3.20% → 4.00% → 3.90%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Seattle Bank	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.40% → 4.30% → 4.05% → 3.90%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
American Express Bank, FSB	3.85%	$0	-	Learn More Add Review
Rate History: 4.75% → 4.00% → 3.50% → 3.85%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
First Internet Bank of Indiana	3.82%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.50% → 4.35% → 3.92% → 3.93% → 3.82%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Discover Bank	3.80%	$2,500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 3.60% → 4.10% → 3.80%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Virtualbank, a division of First Horizon Bank	3.77%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 2% of principal.
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Union Bank and Trust Company	3.75%	$1,000	-	Learn More
Rate History: 1.91% → 2.02% → 3.75%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
TIAA Bank / Everbank	3.65%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 3.50% → 3.70% → 3.90% → 3.75% → 3.65%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Gateway First Bank	3.60%	$500	-	Learn More
Rate History: 3.35% → 3.60%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Banesco USA	3.60%	$1,000	-	Learn More
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 0.50% → 3.80% → 3.75% → 4.30% → 3.60%
Dkplan \| 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 Reviews (8)
MainStreet Bank	3.50%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 12 months interest. Rate History: 4.50% → 3.00% → 2.75% → 3.00% → 3.50%
Capital One 360	3.50%	$0	-	Learn More Add Review
Rate History: 4.20% → 4.50% → 4.00% → 3.70% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.40% → 4.20% → 4.00% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early withdrawal penalty is 12 months of interest Rate History: 0.60% → 4.50% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
LendingClub	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 4.50% → 4.15% → 3.75% → 3.50%
jaydub \| Aug 18, 2025 Sophomoric as hell. I opened a LevelUp account for the 4.40% rate (now 4.20%). Rate requires automatic $250 deposit each month which I made, but I now realized that I never got that rate. Customer servic... Read More Reviews (22)
WebBank	3.50%	$2,500	-	Learn More
Rate History: 1.50% → 3.50%
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Citizens	3.50%	$5,000	-	Learn More Add Review
james \| 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
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.50% → 3.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.20% → 4.00% → 3.70% → 3.60% → 3.50%
highstream \| 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 Reviews (14)
Ivy Bank, a division of Cambridge Savings Bank	3.50%	$0	-	Learn More Add Review
Rate History: 2.60% → 3.25% → 3.50%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Citizens	3.50%	$5,000	-	Learn More
Rate History: 3.75% → 3.50% → 3.75% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Salem Five Direct	3.50% 2.95%	$10,000 $500	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 3.25% → 5.55% → 3.25% → 3.50%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Bank of Whittier, National Association	3.36%	$1,000	-	Learn More Add Review
Peak Bank, a division of Idaho First Bank	3.34%	$500	-	Learn More Add Review
Gary Smith \| Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More
Blue Foundry Bank	3.25%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.25%
Finworth	3.20%	$50,000	-	Learn More Add Review
Geoffrey Christopher 1 \| 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
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.00% → 3.75% → 3.25% → 3.00%
LenaL \| 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 Reviews (33)
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| 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
Dollar Savings Direct, a division of Emigrant Bank	2.50%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty in 180 days interest. Rate History: 3.00% → 3.00% → 5.00% → 3.00% → 2.50%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
My Savings Direct, a division of Emigrant Bank	2.25%	$1,000	-	Learn More Add Review
Rate History: 3.00% → 2.50% → 2.25%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More
Woodforest National Bank 8190 Brookhaven Mississippi Walmart Branch	2.25%	$500	-	Learn More
Rate History: 1.00% → 1.55% → 2.25% → 3.50% → 2.25%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
Hingham Savings	1.75%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.65%	$1,000	-	Learn More
Rate History: 4.40% → 4.00% → 3.85% → 2.60% → 1.65%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Bank of Montreal Harris	1.50%	$1,000	-	Learn More Add Review
Rate History: 0.05% → 1.50%
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More
USAA Federal Savings Bank	1.40%	$1,000	-	Learn More Add Review
Rate History: 4.25% → 2.60% → 1.40%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Clear Sky Accounts	1.35%	$1,000	-	Learn More Add Review
Rate History: 0.90% → 1.35%
ruler009 \| May 26, 2017 Before009 Read More
Bank of Anguilla Drive-In Teller's Window Branch	1.26%	$10,000	-	Learn More Add Review
OneLocal Bank	1.26%	$1,000	-	Learn More Add Review
Rate History: 1.26% → 1.50% → 1.26%
Northfield Bank	1.25%	$0	-	Learn More Add Review
Rate History: 1.00% → 2.00% → 1.25% → 2.00% → 1.25%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
TD Bank, National Association	1.00%	$10,000	-	Learn More
Rate History: 4.00% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
First Financial Bank Senatobia Branch	1.00%	$10,000	-	Learn More Add Review
Grand Bank for Savings, FSB 226 Highway 42 East Branch	1.00%	$10,000	-	Learn More Add Review
The Jefferson Bank Rosedale Branch	0.90%	$10,000	-	Learn More Add Review
Planters Bank & Trust Company Southaven Branch	0.85%	$2,500	-	Learn More Add Review
Citizens Bank & Trust Co. Walls Branch	0.80%	$10,000	-	Learn More Add Review
FIRST COMMERCIAL BANK Desot County Bank Branch	0.80%	$10,000	-	Learn More Add Review
Delta Bank Delta Bank Natchez Branch	0.80%	$100,000	-	Learn More Add Review
The Cleveland State Bank Grenada Branch	0.75%	$1,000	-	Learn More Add Review
United Mississippi Bank Gloster Branch	0.75%	$10,000	-	Learn More Add Review
Magnolia State Bank Taylorsville Branch	0.70%	$1,000	-	Learn More Add Review
Bank of Franklin Bank Of Franklin Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Commerce Park Avenue Branch	0.65%	$10,000	-	Learn More Add Review
Home Bank, National Association Fatherland Branch	0.65%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company North Natchez Branch	0.65%	$10,000	-	Learn More Add Review
Delta Bank Delta Bank Natchez Branch	0.65%	$10,000	-	Learn More Add Review
First National Bank of Clarksdale First National Bank Of Clarksdale Branch	0.60%	$10,000	-	Learn More Add Review
The Bank of Holly Springs South Branch	0.60%	$10,000	-	Learn More Add Review
First State Bank South Court Street Branch	0.60%	$100,000	-	Learn More Add Review
First Federal Savings and Loan Association Hurley Branch	0.60%	$100,000	-	Learn More Add Review
BNA Bank Mccullough Branch	0.55%	$10,000	-	Learn More Add Review
First Bank Summit Branch	0.55%	$10,000	-	Learn More Add Review
Merchants and Planters Bank Merchants And Planters Bank Branch	0.55%	$100,000	-	Learn More Add Review
Bank of Okolona Mantee Branch	0.52%	$10,000	-	Learn More Add Review
Bank of Yazoo City Lintonia Branch	0.50%	$500	-	Learn More Add Review
Farmers and Merchants Bank Corinth Branch	0.50%	$10,000	-	Learn More Add Review
The Peoples Bank Walnut Branch	0.50%	$100,000	-	Learn More Add Review
Commerce Bank Commerce Bank Branch	0.50%	$10,000	-	Learn More Add Review
Bank of Kilmichael Winona Branch	0.50%	$10,000	-	Learn More
DPB3633 \| Dec 17, 2021 What is a bank ACH number? Read More Reviews (1)
Bank of Winona Bank Of Winona Branch	0.50%	$10,000	-	Learn More Add Review
Merchants and Planters Bank Merchants And Planters Bank Branch	0.50%	$10,000	-	Learn More Add Review
First State Bank South Court Street Branch	0.50%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association Hurley Branch	0.50%	$10,000	-	Learn More Add Review
Merchants & Marine Bank Wade Branch	0.50%	$10,000	-	Learn More Add Review
Pike National Bank South Broadway Branch	0.50%	$500	-	Learn More Add Review
First National Bank of Picayune Picayune-South Branch	0.50%	$10,000	-	Learn More Add Review
Richton Bank & Trust Company North Richton Branch	0.50%	$10,000	-	Learn More Add Review
Citibank, National Association	0.50%	$0	-	Learn More
Rate History: 2.00% → 0.50%
Azoic \| 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 Reviews (11)
Guaranty Bank and Trust Company Greenville South Shop. Ctr. Branch	0.48%	$100,000	-	Learn More Add Review
First State Bank South Court Street Branch	0.45%	$100,000	-	Learn More Add Review
CB&S Bank, Inc. 12-25 Industrial Branch	0.45%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
The Citizens Bank of Philadelphia, Mississippi East Side Branch	0.45%	$10,000	-	Learn More Add Review
The Bank of Forest Bank Of Walnut Grove Branch	0.45%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company Greenville South Shop. Ctr. Branch	0.43%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$1,000	-	Learn More Add Review
RTN1949 \| 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
Community Spirit Bank Belmont Branch	0.40%	$10,000	-	Learn More Add Review
Southern Bancorp Bank Mound Bayou Branch	0.40%	$10,000	-	Learn More Add Review
The Peoples Bank Walnut Branch	0.40%	$10,000	-	Learn More Add Review
Holmes County Bank & Trust Company Goodman Branch	0.40%	$10,000	-	Learn More Add Review
Great Southern Bank Pachuta Branch	0.40%	$10,000	-	Learn More Add Review
Bank of Brookhaven Bank Of Brookhaven Branch	0.40%	$10,000	-	Learn More Add Review
First Security Bank Hernando Branch	0.35%	$100,000	-	Learn More Add Review
Trustmark National Bank Oxford Branch	0.35%	$10,000	-	Learn More
trbf15 \| Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More Reviews (1)
Community Bank of Mississippi Leakesville Branch	0.35%	$10,000	-	Learn More Add Review
The Peoples Bank, Biloxi, Mississippi Ocean Springs Branch	0.35%	$10,000	-	Learn More Add Review
The Commercial Bank Meridian Branch	0.35%	$10,000	-	Learn More Add Review
Peoples Bank Collins Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Covington County Bank Covington County Bank Branch	0.35%	$10,000	-	Learn More Add Review
First State Bank South Court Street Branch	0.35%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.35%	$1,000	-	Learn More Add Review
First Southern Bank Carriere Office Branch	0.35%	$10,000	-	Learn More Add Review
Century Bank Escatawpa Branch	0.35%	$10,000	-	Learn More Add Review
First Security Bank Hernando Branch	0.30%	$10,000	-	Learn More Add Review
PriorityOne Bank Hattiesburg Branch	0.30%	$10,000	-	Learn More
Archie \| Feb 8, 2017 25000 Read More Reviews (1)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| 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
BankPlus West Branch	0.25%	$1,000	-	Learn More Add Review
Renasant Bank Hazlehurst, Ms Branch	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Origin Bank Origin Bank Branch	0.25%	$10,000	-	Learn More
Ralph \| Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More Reviews (1)
Paragon Bank	0.25%	$10,000	-	Learn More Add Review
BankFirst Financial Services Scanlan Street Drive-In Branch	0.25%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| 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
The Citizens National Bank of Meridian College Park Express Bank Branch	0.20%	$10,000	-	Learn More Add Review
OneWest Bank, a division of First-Citizens Bank and Trust	0.05%	$500	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.01% → 0.05%
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 Reviews (2)
Regions Bank Bassfield Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| 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 Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
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 Reviews (1)
Bank of America, National Association	0.03%	$100,000	-	Learn More
Treasure \| 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 Reviews (7)

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 zip 10007

Branch	Street	City	State
Woodforest National Bank 8190 Brookhaven Mississippi Walmart Branch	960 Brookway Blvd	Brookhaven	MS
Bank of Anguilla Drive-In Teller's Window Branch	Delta And Walnut Streets	Rolling Fork	MS
First Financial Bank Senatobia Branch	700 N Robinson St	Senatobia	MS
Grand Bank for Savings, FSB 226 Highway 42 East Branch	226 Highway 42 East	Petal	MS
The Jefferson Bank Rosedale Branch	600 Main Street	Rosedale	MS
Planters Bank & Trust Company Southaven Branch	232 Goodman Road	Southaven	MS
Citizens Bank & Trust Co. Walls Branch	6851 Highway 301	Walls	MS
FIRST COMMERCIAL BANK Desot County Bank Branch	6040 Highway 51 North	Horn Lake	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
The Cleveland State Bank Grenada Branch	229 Sunset Drive	Grenada	MS
United Mississippi Bank Gloster Branch	647 Highway 33	Gloster	MS
Magnolia State Bank Taylorsville Branch	748 Highway 28 East	Taylorsville	MS
Bank of Franklin Bank Of Franklin Branch	9 Main Street	Meadville	MS
Bank of Commerce Park Avenue Branch	815 West Park Avenue	Greenwood	MS
Home Bank, National Association Fatherland Branch	Highway 61 South	Natchez	MS
Concordia Bank & Trust Company North Natchez Branch	516 Hwy 61 North	Natchez	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
First National Bank of Clarksdale First National Bank Of Clarksdale Branch	402 East Second Street	Clarksdale	MS
Bank of Holly Springs South Branch	970 Highway 7 South	Holly Springs	MS
First State Bank South Court Street Branch	301 South Court Street	Ellisville	MS
First Federal Savings and Loan Association Hurley Branch	Hway 613	Hurley	MS
BNA Bank Mccullough Branch	3041 Mccullough Boulevard	Belden	MS
First Bank Summit Branch	Robb Street	Summit	MS
Merchants and Planters Bank Merchants And Planters Bank Branch	308 Raymond Square	Raymond	MS
BankOkolona Mantee Branch	54 First Street	Mantee	MS
Bank of Yazoo City Lintonia Branch	826 Grand Avenue	Yazoo City	MS
Farmers and Merchants Bank Corinth Branch	515 Filmore Street	Corinth	MS
The Peoples Bank Walnut Branch	Highway 15 North	Walnut	MS
Commerce Bank Commerce Bank Branch	306 South Cass Street	Corinth	MS
Bank of Kilmichael Winona Branch	509 North Applegate	Winona	MS
Bank of Winona Bank Of Winona Branch	312 North Applegate	Winona	MS
Merchants and Planters Bank Merchants And Planters Bank Branch	308 Raymond Square	Raymond	MS
First State Bank South Court Street Branch	301 South Court Street	Ellisville	MS
First Federal Savings and Loan Association Hurley Branch	Hway 613	Hurley	MS
Merchants & Marine Bank Wade Branch	Highway 63	Wade	MS
Pike National Bank South Broadway Branch	628 South Broadway	Mccomb	MS
FNB Picayune Bank Picayune-South Branch	801 Memorial Blvd	Picayune	MS
Richton Bank & Trust Company North Richton Branch	809 Front Street North	Richton	MS
Guaranty Bank and Trust Company Greenville South Shop. Ctr. Branch	Highway 1 South	Greenville	MS
First State Bank South Court Street Branch	301 South Court Street	Ellisville	MS
CB&S Bank, Inc. 12-25 Industrial Branch	Highways 12 And 25	Starkville	MS
The Citizens Bank of Philadelphia, Mississippi East Side Branch	Highways 16 East And 486	Philadelphia	MS
The Bank of Forest Bank Of Walnut Grove Branch	101 Chadwick Ave	Walnut Grove	MS
Guaranty Bank and Trust Company Greenville South Shop. Ctr. Branch	Highway 1 South	Greenville	MS
Community Spirit Bank Belmont Branch	342 Second Street	Belmont	MS
Southern Bancorp Bank Mound Bayou Branch	U. S. Highway 61	Mound Bayou	MS
The Peoples Bank Walnut Branch	Highway 15 North	Walnut	MS
Holmes County Bank Goodman Branch	9860 Main Street	Goodman	MS
Great Southern Bank Pachuta Branch	U.S. Highway 11	Pachuta	MS
Bank of Brookhaven Bank Of Brookhaven Branch	411 Brookway Boulevard	Brookhaven	MS
First Security Bank Hernando Branch	985 E. Commerce Street	Hernando	MS
Trustmark National Bank Oxford Branch	714 Jackson Avenue	Oxford	MS
Community Bank of Mississippi Leakesville Branch	431 St. Frances Street	Leakesville	MS
The Peoples Bank, Biloxi, Mississippi Ocean Springs Branch	U.S. Highway 90	Ocean Springs	MS
The Commercial Bank Meridian Branch	7591 Highway 39	Meridian	MS
Peoples Bank Collins Branch	710 Main Street	Collins	MS
Covington County Bank Covington County Bank Branch	102 S Dogwood Ave	Collins	MS
First State Bank South Court Street Branch	301 South Court Street	Ellisville	MS
Citizens Bank Citizens Bank Branch	814 Main Street	Columbia	MS
First Southern Bank Carriere Office Branch	7360 Highway 11 North	Carriere	MS
Century Bank Escatawpa Branch	7312 Highway 63	Escatawpa	MS
First Security Bank Hernando Branch	985 E. Commerce Street	Hernando	MS
PriorityOne Bank Hattiesburg Branch	6276 Highway 98 West	Hattiesburg	MS
BankPlus West Branch	State Highway 513	Stonewall	MS
Renasant Bank Hazlehurst, Ms Branch	649 North Caldwell Drive	Hazlehurst	MS
Origin Bank Origin Bank Branch	775 Lake Harbour Drive, Suite A	Ridgeland	MS
BankFirst Financial Services Scanlan Street Drive-In Branch	Scanlan And Richardson Streets	Newton	MS
The Citizens National Bank of Meridian College Park Express Bank Branch	Highway 19 North	Meridian	MS
Regions Bank Bassfield Branch	219 General Robert E. Blount Drive	Bassfield	MS
Regions Bank Bassfield Branch	219 General Robert E. Blount Drive	Bassfield	MS

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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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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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