Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across Ballston Spa
Below are two-year Certificates of Deposit (CD) rates from banks in Ballston Spa, New York. 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.
Ballston Spa, NY - July 16, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.50% |
$5,000 |
17.51 |
Learn More
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Rate History: 3.75% → 3.50% → 3.75% → 3.50% |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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3.47% 0.50% |
$501 $500 |
9.04 |
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Rate History: 3.60% → 3.57% → 3.47% → 3.62% → 3.47% |
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|
3.00% |
$1,000 |
16.28 |
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|
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Rate History: 4.50% → 4.00% → 3.75% → 3.00% |
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Claire blankinship | 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 |
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2.25% |
$500 |
21.55 |
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|
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Rate History: 1.00% → 1.55% → 2.25% → 3.50% → 2.25% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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2.00% |
$10,000 |
22.80 |
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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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1.60% |
$500 |
13.59 |
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Rate History: 0.72% → 0.69% → 0.92% → 1.03% → 1.60% |
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Zflash4000 | Oct 1, 2017 Will play games with your account. changing posting dates and times. Will hold direct deposit so you overdraft your account. Read More |
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1.00% |
$10,000 |
13.29 |
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|
|
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Rate History: 4.00% → 1.00% → 4.00% → 1.00% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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0.60% |
$10,000 |
22.51 |
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0.60% |
$10,000 |
16.30 |
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0.50% |
$10,000 |
17.51 |
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|
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|
Run | Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More |
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0.35% |
$10,000 |
0.80 |
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jennifer | May 30, 2020 Terrible bank. Very rude to their customers and treat you as if you are unimportant. I started a new job and my direct deposit did not go into effect yet. I deposited my paycheck 3 weeks in a row and on th... Read More |
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0.35% |
$10,000 |
20.05 |
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0.30% |
$10,000 |
21.56 |
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0.05% |
$2,500 |
18.28 |
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|
|
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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% |
$100,000 |
10.89 |
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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 |
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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.
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