Best 2-Year CD Rates in Flowood, Mississippi, MS

You are viewing rates from banks across Flowood

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

Flowood, MS - August 1, 2025

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.15%
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
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)
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
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
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
Woodforest National Bank 8135 Gulfport Mississippi Walmart Br 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)
Bank of Anguilla Bank Of Anguilla Branch	1.26%	$10,000	-	Learn More Add Review
First Financial Bank Senatobia Branch	1.00%	$10,000	-	Learn More Add Review
Grand Bank for Savings, FSB Grand Bank For Savings, Fsb Branch	1.00%	$10,000	-	Learn More Add Review
The Jefferson Bank The Jefferson Bank Branch	0.90%	$10,000	-	Learn More Add Review
Planters Bank & Trust Company Planters Bank & Trust Company Branch	0.85%	$2,500	-	Learn More Add Review
Citizens Bank & Trust Co. Citizens Bank & Trust Co. Branch	0.80%	$10,000	-	Learn More Add Review
FIRST COMMERCIAL BANK First Commercial 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 The Cleveland State Bank Branch	0.75%	$1,000	-	Learn More Add Review
United Mississippi Bank Woodville Downtown Office Branch	0.75%	$10,000	-	Learn More Add Review
Magnolia State Bank Magnolia State Bank 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 Bank Of Commerce Branch	0.65%	$10,000	-	Learn More Add Review
Home Bank, National Association Britton & Koontz Br Branch	0.65%	$10,000	-	Learn More Add Review
Concordia Bank & Trust Company Wilkinson County 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 The Bank Of Holly Springs Branch	0.60%	$10,000	-	Learn More Add Review
First State Bank Leakesville Branch	0.60%	$100,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.60%	$100,000	-	Learn More Add Review
BNA Bank Bna Bank Branch	0.55%	$10,000	-	Learn More Add Review
First Bank First Bank 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 Bank Of Okolona Branch	0.52%	$10,000	-	Learn More Add Review
Bank of Yazoo City Bank Of Yazoo City Branch	0.50%	$500	-	Learn More Add Review
Farmers and Merchants Bank Farmers And Merchants Bank Branch	0.50%	$10,000	-	Learn More Add Review
The Peoples Bank The Peoples Bank 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 Bank Of Kilmichael 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 Leakesville Branch	0.50%	$10,000	-	Learn More Add Review
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	0.50%	$10,000	-	Learn More Add Review
Merchants & Marine Bank Merchants & Marine Bank Branch	0.50%	$10,000	-	Learn More Add Review
Pike National Bank Pike National Bank Branch	0.50%	$500	-	Learn More Add Review
First National Bank of Picayune First National Bank Of Picayune Branch	0.50%	$10,000	-	Learn More Add Review
Richton Bank & Trust Company Richton Bank & Trust Company Branch	0.50%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	0.48%	$100,000	-	Learn More Add Review
First State Bank Leakesville Branch	0.45%	$100,000	-	Learn More Add Review
CB&S Bank, Inc. Clarksdale Main Branch	0.45%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
The Citizens Bank of Philadelphia, Mississippi Sebastopol Branch	0.45%	$10,000	-	Learn More Add Review
The Bank of Forest The Bank Of Forest Branch	0.45%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company Guaranty Bank And Trust Company 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 Ruleville Branch	0.40%	$10,000	-	Learn More Add Review
The Peoples Bank The Peoples Bank Branch	0.40%	$10,000	-	Learn More Add Review
Holmes County Bank & Trust Company Holmes County Bank & Trust Company Branch	0.40%	$10,000	-	Learn More Add Review
Great Southern Bank Great Southern Bank 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 Crenshaw Branch	0.35%	$100,000	-	Learn More Add Review
Trustmark National Bank Trustmark National Bank 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 Indianola Branch	0.35%	$10,000	-	Learn More Add Review
The Peoples Bank, Biloxi, Mississippi The Peoples Bank, Biloxi, Mississippi Branch	0.35%	$10,000	-	Learn More Add Review
The Commercial Bank The Commercial Bank Branch	0.35%	$10,000	-	Learn More Add Review
Peoples Bank Peoples Bank 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 Leakesville 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 First Southern Bank Branch	0.35%	$10,000	-	Learn More Add Review
Century Bank Century Bank Branch	0.35%	$10,000	-	Learn More Add Review
First Security Bank Crenshaw Branch	0.30%	$10,000	-	Learn More Add Review
PriorityOne Bank Collins Main 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 Tchula Branch	0.25%	$1,000	-	Learn More Add Review
Renasant Bank Durant 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)
BankFirst Financial Services Bankfirst Financial Services 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 The Citizens National Bank Of Meridi Branch	0.20%	$10,000	-	Learn More Add Review
Regions Bank Oxford Main Courthouse Sqr Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%

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 8135 Gulfport Mississippi Walmart Br Branch	9350-A Highway 49	Gulfport	MS
Bank of Anguilla Bank Of Anguilla Branch	130 Holland Street	Anguilla	MS
First Financial Bank Senatobia Branch	700 N Robinson St	Senatobia	MS
Grand Bank for Savings, FSB Grand Bank For Savings, Fsb Branch	204 Westover Drive	Hattiesburg	MS
The Jefferson Bank The Jefferson Bank Branch	3008 East Reed Road	Greenville	MS
Planters Bank & Trust Company Planters Bank & Trust Company Branch	212 Catchings Street	Indianola	MS
Citizens Bank & Trust Co. Citizens Bank & Trust Co. Branch	239 East Main St	Marks	MS
FIRST COMMERCIAL BANK First Commercial Bank Branch	1300 Meadowbrook Road	Jackson	MS
Delta Bank Delta Bank Natchez Branch	173 Highway 61 South	Natchez	MS
The Cleveland State Bank The Cleveland State Bank Branch	110 Commerce Avenue	Cleveland	MS
United Mississippi Bank Woodville Downtown Office Branch	142 Royal Oak Street	Woodville	MS
Magnolia State Bank Magnolia State Bank Branch	28 Highway 528	Bay Springs	MS
Bank of Franklin Bank Of Franklin Branch	9 Main Street	Meadville	MS
Bank of Commerce Bank Of Commerce Branch	310 Howard Street	Greenwood	MS
Home Bank, National Association Britton & Koontz Br Branch	500 Main Street	Natchez	MS
Concordia Bank & Trust Company Wilkinson County Branch	498 Main Street	Woodville	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 The Bank Of Holly Springs Branch	114 S Memphis St	Holly Springs	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	903 Jackson Ave	Pascagoula	MS
BNA Bank Bna Bank Branch	205 Bankhead Street	New Albany	MS
First Bank First Bank Branch	105 South Broadway Street	Mccomb	MS
Merchants and Planters Bank Merchants And Planters Bank Branch	308 Raymond Square	Raymond	MS
BankOkolona Bank Of Okolona Branch	227 West Main Street	Okolona	MS
Bank of Yazoo City Bank Of Yazoo City Branch	104 North Main Street	Yazoo City	MS
Farmers and Merchants Bank Farmers And Merchants Bank Branch	111 West Clayton Street	Baldwyn	MS
The Peoples Bank The Peoples Bank Branch	305 East Jefferson	Ripley	MS
Commerce Bank Commerce Bank Branch	306 South Cass Street	Corinth	MS
Bank of Kilmichael Bank Of Kilmichael Branch	120 North Depot Avenue	Kilmichael	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 Leakesville Branch	313 Lafayette Street	Leakesville	MS
First Federal Savings and Loan Association First Federal Savings And Loan Assoc Branch	903 Jackson Ave	Pascagoula	MS
Merchants & Marine Bank Merchants & Marine Bank Branch	3118 Pascagoula Street	Pascagoula	MS
Pike National Bank Pike National Bank Branch	350 Rawls Drive	Mccomb	MS
FNB Picayune Bank First National Bank Of Picayune Branch	121 East Canal Street	Picayune	MS
Richton Bank & Trust Company Richton Bank & Trust Company Branch	114 South Front Street	Richton	MS
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	210 N. Hayden St	Belzoni	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
CB&S Bank, Inc. Clarksdale Main Branch	301 John Lee Hooker Lane	Clarksdale	MS
The Citizens Bank of Philadelphia, Mississippi Sebastopol Branch	24 Pine Street	Sebastopol	MS
The Bank of Forest The Bank Of Forest Branch	211 West Third Street	Forest	MS
Guaranty Bank and Trust Company Guaranty Bank And Trust Company Branch	210 N. Hayden St	Belzoni	MS
Community Spirit Bank Belmont Branch	342 Second Street	Belmont	MS
Southern Bancorp Bank Ruleville Branch	117 West Floyce Street	Ruleville	MS
The Peoples Bank The Peoples Bank Branch	305 East Jefferson	Ripley	MS
Holmes County Bank Holmes County Bank & Trust Company Branch	316 Court Square	Lexington	MS
Great Southern Bank Great Southern Bank Branch	218 22nd Avenue South	Meridian	MS
Bank of Brookhaven Bank Of Brookhaven Branch	411 Brookway Boulevard	Brookhaven	MS
First Security Bank Crenshaw Branch	729 Broad Street	Crenshaw	MS
Trustmark National Bank Trustmark National Bank Branch	248 East Capitol Street	Jackson	MS
Community Bank of Mississippi Indianola Branch	147 Highway 82	Indianola	MS
The Peoples Bank, Biloxi, Mississippi The Peoples Bank, Biloxi, Mississippi Branch	Lameuse And Howard Avenues	Biloxi	MS
The Commercial Bank The Commercial Bank Branch	175 Hopper Avenue	De Kalb	MS
Peoples Bank Peoples Bank Branch	154 Maud Avenue	Mendenhall	MS
Covington County Bank Covington County Bank Branch	102 S Dogwood Ave	Collins	MS
First State Bank Leakesville Branch	313 Lafayette Street	Leakesville	MS
Citizens Bank Citizens Bank Branch	814 Main Street	Columbia	MS
First Southern Bank First Southern Bank Branch	1075 Highway 98	Columbia	MS
Century Bank Century Bank Branch	4282 Main Street	Lucedale	MS
First Security Bank Crenshaw Branch	729 Broad Street	Crenshaw	MS
PriorityOne Bank Collins Main Branch	215 Main Street	Collins	MS
BankPlus Tchula Branch	206 Main Street	Tchula	MS
Renasant Bank Durant Branch	381 Nw Depot St	Durant	MS
Origin Bank Origin Bank Branch	775 Lake Harbour Drive, Suite A	Ridgeland	MS
BankFirst Financial Services Bankfirst Financial Services Branch	900 Main Street	Columbus	MS
The Citizens National Bank of Meridian The Citizens National Bank Of Meridi Branch	512 22nd Avenue	Meridian	MS
Regions Bank Oxford Main Courthouse Sqr Branch	158 Court House Square	Oxford	MS
Regions Bank Oxford Main Courthouse Sqr Branch	158 Court House Square	Oxford	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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Flowood, Mississippi CD Rates – 2-Year

Branches Info around zip 10007

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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