Pennsylvania

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Pennsylvania CD Rates – 2-Year

You are viewing rates from banks across Pennsylvania





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

PA - July 30, 2025

2 Year CD National Average : 0.66% ?

Banks APY MIN MILES ?

| 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

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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.90% → 4.50% → 4.25% → 4.15% → 4.11%

| 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

4.06%

$1,000

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Rate History: 4.45% → 4.20% → 3.70% → 3.70% → 4.01%

| 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

Early Withdrawal Penalty is 6 months Interest.
Rate History: 4.55% → 4.20% → 4.00% → 3.80% → 4.00%

| 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

Rate History: 4.85% → 4.25% → 3.75% → 3.50% → 4.00%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 3.00% → 4.60%

| Jul 1, 2022

Very easy opening process and wonderful staff. 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

Early withdrawal penalty is 180 days interest.
Rate History: 4.40% → 4.10% → 3.80% → 3.85% → 4.00%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.65% → 4.20% → 3.85% → 4.06% → 4.00%

| 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

Rate History: 4.50% → 4.40% → 5.40% → 4.40% → 4.00%

| Feb 15, 2024

I have always had great experiences with short-term CDs from this bank. No delays. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Rate History: 4.00% → 3.90% → 3.70% → 4.10% → 3.95%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 4.25% → 3.20% → 4.00% → 3.90%

| Aug 26, 2022

Too slow to raise rates. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.75% → 4.40% → 4.30% → 4.05% → 3.90%

| 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

Rate History: 4.75% → 4.00% → 3.50% → 3.85%

| 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

Early Withdrawal Penalty is 360 days interest.
Rate History: 4.50% → 4.35% → 3.92% → 3.93% → 3.82%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Rate History: 4.20% → 4.00% → 3.60% → 4.10% → 3.80%

| 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

Warning: Early Withdrawal Penalty is 2% of principal.

| 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

Rate History: 1.91% → 2.02% → 3.75%

| Nov 3, 2023

site does not update at all, totally wrong rates listed Read More

Rate History: 4.35% → 4.15% → 4.00% → 3.75%

| Mar 25, 2020

I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More

Rate History: 4.25% → 4.00% → 3.75%

Rate History: 4.00% → 3.75%

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%

| 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

Rate History: 3.50% → 3.75% → 3.65%

| May 15, 2020

Sucks don’t ever get with this bank Read More

Rate History: 3.35% → 3.60%

| 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

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: 4.50% → 3.50%

Early Withdrawal Penalty is 12 months interest.
Rate History: 4.50% → 3.00% → 2.75% → 3.00% → 3.50%

Rate History: 4.20% → 4.50% → 4.00% → 3.70% → 3.50%

| 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

Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%

| 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

Rate History: 4.40% → 4.20% → 4.00% → 3.90% → 3.50%

| 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

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

Warning: Early withdrawal penalty is 12 months of interest
Rate History: 0.60% → 4.50% → 3.75% → 3.50%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 4.50% → 4.15% → 3.75% → 3.50%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Rate History: 1.50% → 3.50%

| 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

| 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: 4.20% → 4.00% → 3.70% → 3.60% → 3.50%

| 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

Rate History: 2.60% → 3.25% → 3.50%

| 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

Rate History: 3.75% → 3.50% → 3.75% → 3.50%

| Mar 20, 2016

Good solid bank. Read More

Warning: Early withdrawal penalty is 4% of principal withdrawn.
Rate History: 5.00% → 3.25% → 5.55% → 3.25% → 3.50%

| 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

Rate History: 4.30% → 4.20% → 4.15% → 3.45%

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

3.36%

$1,000

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| 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

Rate History: 3.50% → 3.25%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.50% → 4.00% → 3.75% → 3.25% → 3.00%

| 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

Rate History: 4.50% → 4.00% → 3.75% → 3.00%

| 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

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

| Nov 12, 2018

Helpful w/$ Read More

| Sep 27, 2019

I use Marquette bank in Meadville on park avenue. and I use Marquette bank on rt 322 both of these banks have great mangers Dawn at park avenue and Kelly at rt 322 there tellers are the best 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

Early Withdrawal Penalty in 180 days interest.
Rate History: 3.00% → 3.00% → 5.00% → 3.00% → 2.50%

| 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

Rate History: 3.00% → 2.50% → 2.25%

| 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

Rate History: 1.00% → 1.55% → 2.25% → 3.50% → 2.25%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 2.53% → 2.02%

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| Apr 12, 2019

United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More

Rate History: 3.89% → 1.76% → 1.76%

Rate History: 4.40% → 4.00% → 3.85% → 2.60% → 1.65%

| 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

Rate History: 0.05% → 1.50%

| Jul 28, 2020

Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More

Rate History: 4.25% → 2.60% → 1.40%

| 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

Rate History: 0.90% → 1.35%

| May 26, 2017

Before009 Read More

Rate History: 1.26% → 1.50% → 1.26%

Rate History: 1.00% → 2.00% → 1.25% → 2.00% → 1.25%

| Apr 30, 2019

No issues. I feel confident using them. Read More

1.01%

$10,000

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Rate History: 1.75% → 1.00%

| Nov 8, 2019

farmer Read More

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

| May 19, 2018

Experience Read More

1.00%

$10,000

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0.95%

$10,000

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0.95%

$10,000

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0.90%

$10,000

-

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0.90%

$10,000

-

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0.80%

$10,000

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0.80%

$10,000

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0.80%

$500

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0.75%

$10,000

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| Nov 9, 2020

Here's what you will need: To be a resident of New Jersey or select Eastern Pennsylvania counties (the zip code provided in your application will receive an error stating "Zip code is not valid for this ap... Read More

0.75%

$500

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| May 14, 2015

looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More

0.70%

$10,000

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| Aug 10, 2019

I did not appreciate getting pulled into the 2.53% offer on $100k only to have the rate lowered by the time I finally got the money in. Read More

| May 30, 2021

U would think after a person is a customer for a great many years they would help them in the case of fraud nope they close everything down on you and don't tell you way to go that's real customer service ... Read More

| Jul 14, 2018

Excellent customer service Read More

0.70%

$10,000

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0.70%

$10,000

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0.65%

$500

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0.65%

$100,000

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| Mar 24, 2023

I have never been treated so poorly in all the banks ive been in i went there to ask about buying change the girl acted like she never heard of rolled coins before and really made me feel as though i shou... Read More

0.65%

$100,000

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0.65%

$10,000

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0.65%

$10,000

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0.65%

$10,000

-

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| May 24, 2021

Rate is not valid BCC needs to improve on this. Its difficult enough savers are being penalized by the FED Read More

0.65%

$10,000

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0.60%

$100,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$10,000

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0.60%

$100,000

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| Jul 11, 2020

A great bank. Rates are competitive and they have outstanding customer service. Read More

0.60%

$500

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| Aug 23, 2016

Great dividend, moderate growth, excellent customer service. Potential acquisition target Read More

| Aug 11, 2021

I had been using Ambler Savings for as long as I can remember and never had any issues with them until around 2019. My card and account were constantly being frozen and I had to call to have it unfrozen. W... Read More

0.60%

$10,000

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0.60%

$10,000

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| Jan 18, 2020

I and my colleagues have all had trouble with our travelers debit prepaid cards. Right now I'm in the middle of trying to get ahold of a customer representative because the card shows that there's money on... Read More

0.55%

$500

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Rate History: 0.30% → 0.55%

0.55%

$100,000

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0.55%

$10,000

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0.55%

$100,000

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0.55%

$10,000

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0.55%

$100,000

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0.55%

$10,000

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0.55%

$10,000

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0.55%

$1,000

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0.50%

$100,000

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0.50%

$500

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0.50%

$5,000

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| 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

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

| Apr 21, 2020

Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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| Mar 9, 2018

I have a local contracting business and have been in business for over 20 years. When I started my business I did all of my banking personal and business with Kish and recommended that my customers go thro... Read More

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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| 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

0.49%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$10,000

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0.45%

$100,000

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0.45%

$10,000

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| Apr 4, 2016

It is sad to see FNBPA being taken over by Juniata. The name Juniata has no affinity with Port Allegany history. I am closing my account. 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

0.40%

$10,000

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0.40%

$10,000

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| Jan 26, 2024

I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More

0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.38%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$100,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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| Feb 22, 2023

Where to begin with this ghetto bank? You make a cash deposit but you can't make a withdraw the same day. You make a deposit and it doesn't show up until the next day. You're limited to a low atm amount e... Read More

| Nov 1, 2022

This local community bank “by far” exceeded my expectations of what a banking institution should be. They take the time to understand their customers needs, educatedly answer questions, and take the ti... Read More

0.35%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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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

Rate History: 2.00% → 0.25%

| May 11, 2023

They made mistakes twice and would not correct them Read More

0.25%

$10,000

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0.25%

$10,000

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| Oct 7, 2019

64000 Read More

0.25%

$100,000

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0.22%

$10,000

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| 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%

$1,000

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0.20%

$10,000

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0.15%

$100,000

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0.15%

$10,000

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0.10%

$10,000

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| Feb 24, 2019

This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More

0.10%

$100,000

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0.10%

$10,000

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0.10%

$10,000

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| Feb 24, 2019

This bank sucks I can't believe that I can't use my card on Sunday or get to my money is the owner a johvwinis that the bank can't get you your money on a Sunday or what this is bull shit I sent my wife to... Read More

0.06%

$10,000

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Rate History: 0.01% → 0.05%

| 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

| 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

| 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

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
Hatboro Federal Savings, FA
Warminster Branch
York And Street Roads Warminster PA
Customers Bank
Customers Bank Branch
99 Bridge St Phoenixville PA
First Resource Bank
First Resource Bank Branch
800 N. Pottstown Pike Exton PA
Quaint Oak Bank
Quaint Oak Bank Branch
501 Knowles Avenue Southampton PA
Hyperion Bank
Hyperion Bank Branch
199 West Girard Avenue Philadelphia PA
S&T Bank
Allentown Boulevard Branch
6085 Allentown Boulevard Harrisburg PA
Mid Penn Bank
Frackville Office Branch
504 South Lehigh Avenue Frackville PA
HSBC Bank USA, National Association
Market Street Branch
1515 Market Street Philadelphia PA
Citizens
Http:/Www.Citizensbank.com/ Branch
Direct Bank Deposit Support Po Box 535857 Pittsburgh PA
Monet Bank
Bethel Park Branch
1680 Washington Road, Suite 100 Pittsburgh PA
Beal Bank USA
Philadelphia Branch
150 Allendale Road, Bldg. 3 Suie 300 King Of Prussia PA
Manufacturers and Traders Trust Company
York Technical Institute Branch
1405 Williams Road York PA
Fifth Third Bank, National Association
Cranberry Banking Center Branch
940 Shearton Drive Mars PA
Marquette Savings Bank
953 South Main Street Branch
953 South Main Street Meadville PA
Woodforest National Bank
0295 Coal Township Walmart Branch
9300 State Route 61 Coal Township PA
JPMorgan Chase Bank, National Association
Philadelphia Branch
1650 Market Street, 47th & 52nd Floor Philadelphia PA
United Bank
Uniontown Branch
81 W Main Street Uniontown PA
SSB Bank
SSB Bank Branch
2470 California Avenue Pittsburgh PA
Presence Bank
New Holland Branch
695 West Main Street New Holland PA
Wilmington Savings Fund Society, FSB
Wayne Branch
724 W Lancaster Ave Ste 110 Wayne PA
TD Bank, National Association
Collegeville Branch
Route 29 And Park Avenue Collegeville PA
Second Federal Savings and Loan Association of Philadelphia
Second Federal Savings And Loan Asso Branch
1727 Chestnut Street Philadelphia PA
Fulton Bank, National Association
Fulton Bank, National Association Branch
One Penn Square, P.O. Box 4887 Lancaster PA
Somerset Trust Company
Somerset Plaza Branch
R.D. 2, Route 601 Somerset PA
The Victory Bank
The Victory Bank Branch
548 North Lewis Road Limerick PA
Hometown Bank of Pennsylvania
Hometown Bank Of Pennsylvania Branch
638 East Pitt Street Bedford PA
The National Bank of Malvern
The National Bank Of Malvern Branch
King And Warren Streets Malvern PA
PennCrest Bank
Patton Plaza Branch
433 Railroad Ave Patton PA
Ameriserv Financial Bank
Lovell Park Branch
179 Lovell Avenue Ebensburg PA
Phoenixville Federal Bank and Trust
Collegeville Branch
74 Second Avenue Collegeville PA
First Federal Savings and Loan Association of Greene Co
Main Street And Beeson Blvd. Branch
Main Street And Beeson Blvd. Uniontown PA
Parke Bank
Spruce Street Branch
1610 Spruce Street Philadelphia PA
Port Richmond Savings
Port Richmond Savings Branch
2522 East Allegheny Avenue Philadelphia PA
Provident Bank
4285 W. Tilghman Street Branch
4285 W. Tilghman Street Allentown PA
Hamlin Bank and Trust Company
Bradford Branch
671 East Main Street Bradford PA
Susquehanna Community Bank
West Milton State Bank Branch
940 High Street West Milton PA
The Turbotville National Bank
The Turbotville National Bank Branch
4710 State Route 54 Turbotville PA
Embassy Bank for the Lehigh Valley
West Broad Street Branch
925 W. Broad Street Bethlehem PA
County Savings Bank
County Savings Bank Branch
10 Powhattan Ave Essington PA
United Savings Bank
10th Street Branch
732 South 10th Street Philadelphia PA
First United National Bank
First United National Bank Branch
Routes 157 And 208 Fryburg PA
First Keystone Community Bank
Mifflinville Branch
Third And Race Streets Mifflinville PA
CFSBANK
919 Main St Branch
919 Main St Bentleyville PA
Elderton State Bank
Rural Valley Branch
State Route 85 And Water Street Rural Valley PA
Reliance Savings Bank
Tyrone Branch
916 Pennsylvania Ave Tyrone PA
Investment Savings Bank
Investment Savings Bank Branch
1201 Eighth Avenue Altoona PA
Milton Savings Bank
Milton Savings Bank Branch
80 Broadway Milton PA
First Bank
Warminster Branch
356 York Road Warminster PA
Sharon Bank
Springfield & Brookside Roads Branch
Springfield & Brookside Roads Springfield PA
First Citizens Community Bank
Le Raysville Branch
960 Main Street Le Raysville PA
NBT Bank, National Association
Lords Valley Branch
114 Village Center Drive Lords Valley PA
InFirst Bank
Infirst Bank Branch
935 Philadelphia Street Indiana PA
Woodlands Bank
Halls Station Office Branch
973 Lycoming Mall Drive Pennsdale PA
Journey Bank
Buckhorn Wm Office Branch
Wal-Mart Supercenter, 100 Lunger Drive Bloomsburg PA
Armstrong County Building and Loan Association
Armstrong County Building And Loan A Branch
935 Fifth Avenue Ford City PA
The Northumberland National Bank
Selinsgrove Branch
411 North Market Street Selinsgrove PA
Unity Bank
Forks Township Branch
1700 Sullivan Trail Easton PA
Community State Bank of Orbisonia
Waterfall Branch
Routes 655 And 913 Waterfall PA
Harleysville Bank
Lansdale Branch
640 East Main Street Lansdale PA
Ambler Savings Bank
Bally Br Branch
323 Main Street Bally PA
Iron Workers Savings Bank
Iron Workers Savings Bank Branch
3333 Concord Road Aston PA
Asian Bank
Asian Bank Branch
815-837 Arch Street Philadelphia PA
1st Summit Bank
Cresson Branch
7538 Admiral Peary Highway Cresson PA
Fleetwood Bank
Fleetwood Bank Branch
Main And Franklin Streets Fleetwood PA
Peoples Security Bank and Trust Company
Meshoppen Branch
U.S. Route 6 Meshoppen PA
Citizens & Northern Bank
Wysox Branch
Us Routes 6 & 309 & State Route 187 Wysox Township PA
First Keystone Community Bank
Mifflinville Branch
Third And Race Streets Mifflinville PA
The Dime Bank
Lake Region Office Branch
99 Welwood Avenue Hawley PA
Elderton State Bank
Rural Valley Branch
State Route 85 And Water Street Rural Valley PA
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania
North Lebanon Township Branch
1725 Route 72 Lebanon PA
Meridian Bank
Meridian Bank Branch
1776 E. Lancaster Avenue Paoli PA
The Neffs National Bank
The Neffs National Bank Branch
5629 Pennsylvania Route 873 Neffs PA
Abacus Federal Savings Bank
Philadelphia Branch
147-151 North 10th Street Philadelphia PA
Slovenian Savings and Loan Association of Franklin-Conemaugh
Hostetler Branch
95 Hostetler Road Johnstown PA
New Tripoli Bank
New Tripoli Bank Branch
Market And Madison Streets New Tripoli PA
Mifflinburg Bank and Trust Company
Lewisburg Branch
Route 192 And Fairground Road Lewisburg PA
The Huntington National Bank
The Huntington National Bank Branch
3214 Wilmington Ave New Castle PA
Citibank, National Association
Citibank, National Association Branch
1818 Market Street, 27th Floor Philadelphia PA
First National Bank of Pennsylvania
Palmyra Branch
903 East Main Street Palmyra PA
Mercer County State Bank
Jackson Township Branch
811 Franklin Road Mercer PA
PS Bank
Ps Bank Branch
Route 6 East Wyalusing PA
The Honesdale National Bank
Kingston Branch
786 Wyoming Ave Kingston PA
Dollar Bank, Federal Savings Bank
Monroeville Branch
Miracle Mile Shopping Center Monroeville PA
The Dime Bank
Lake Region Office Branch
99 Welwood Avenue Hawley PA
First Northern Bank and Trust Company
Blakeslee Branch
342 Route 940 Blakeslee PA
Kish Bank
Mill Creek Branch
12522 William Penn Highway Mill Creek PA
The Northumberland National Bank
Selinsgrove Branch
411 North Market Street Selinsgrove PA
Enterprise Bank
Enterprise Bank Branch
4091 Mount Royal Boulvard Allison Park PA
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania
North Lebanon Township Branch
1725 Route 72 Lebanon PA
American Bank
American Bank Branch
4029 West Tilghman Street Allentown PA
Berkshire Bank
Vantage Point Bank Branch
100 Gibraltar Road Horsham PA
CNB Bank
Cnb Bank Branch
One South Second Street Clearfield PA
Univest Bank and Trust Co.
Mount Airy Branch
7226 Germantown Avenue Philadelphia PA
West View Savings Bank
West View Savings Bank Branch
9001 Perry Highway Pittsburgh PA
LINKBANK
West Market Street Branch
2221 West Market Street Pottsville PA
Mauch Chunk Trust Company
Pine Point Plaza Branch
11 Pa 903 Albrightsville PA
Brentwood Bank
South Park Shops Office Branch
5259 Library Road Bethel Park PA
Farmers and Merchants Trust Company of Chambersburg
South Mountain Branch
South Mountain Restoration Center South Mountain PA
Bank of Bird-in-Hand
Bank Of Bird-In-hand Branch
309 North Ronks Road Bird In Hand PA
The Juniata Valley Bank
Lillibridge Place Branch
52 West Mill Street Port Allegany PA
MCS Bank
Mcclure Branch
Brown And Specht Streets Mclure PA
First Citizens Community Bank
Le Raysville Branch
960 Main Street Le Raysville PA
WesBanco Bank, Inc.
900 5th Ave Branch
900 5th Ave Coraopolis PA
Wayne Bank
Wayne Bank Branch
717 Main Street Honesdale PA
Citizens Savings Bank
Center City Branch
Lackawanna And Wyoming Avenues Scranton PA
Apollo Trust Company
North Washington Branch
697 Sportsman Drive Apollo PA
Altoona First Savings Bank
601 East Allegheny Street Branch
601 East Allegheny Street Martinsburg PA
Washington Financial Bank
Tylerdale Branch
98 E. Wylie Avenue Washington PA
QNB Bank
Qnb-Online Internet Banking Branch
Www.Qnbbank.com Quakertown PA
First National Bank and Trust Company of Newtown
Wrightstown Branch
2607 Windy Bush Road Newtown PA
Slovenian Savings and Loan Association of Franklin-Conemaugh
Hostetler Branch
95 Hostetler Road Johnstown PA
Citizens & Northern Bank
Wysox Branch
Us Routes 6 & 309 & State Route 187 Wysox Township PA
Chemung Canal Trust Company
Canton Branch
5 West Main Street Canton PA
Marion Center Bank
Clymer Branch
750 Franklin Street Clymer PA
ESSA Bank & Trust
Scranton Branch
300 Mulberry Street Scranton PA
The Fidelity Deposit and Discount Bank
Morgan Highway Branch
Morgan Highway, State Route 307 Clarks Summit PA
Farmers and Merchants Trust Company of Chambersburg
South Mountain Branch
South Mountain Restoration Center South Mountain PA
Orrstown Bank
New Bloomfield Branch Drive-In Facil
Barnett Woods Road And Mcclure Street New Bloomfield PA
ACNB Bank
South Hanover Branch
865 Baltimore Street Hanover PA
Penn Community Bank
Chelten Hills Savings Bank Branch
2 Hidden Lane Abington PA
The Bank of Princeton
Arch Street Branch
921 Arch Street Philadelphia PA
United Bank of Philadelphia
Corporate Headquarters Branch
30 South 15th Street, Suite 1200 Philadelphia PA
NEXTIER BANK, NATIONAL ASSOCIATION
Oakland Branch
3455 Forbes Ave Pittsburgh PA
First Commonwealth Bank
Meadows Branch
Rt 220 And North Juniata St Hollidaysburg PA
Jim Thorpe Neighborhood Bank
Penn Forest Branch
Route 903, Penn Forest Township, Star Route Jim Thorpe PA
Community Bank
Uniontown Branch
545 West Main Street Uniontown PA
Santander Bank, N.A.
New Cumberland Branch
99 Old York Road New Cumberland PA
First Commonwealth Bank
Meadows Branch
Rt 220 And North Juniata St Hollidaysburg PA
Slovenian Savings and Loan Association of Canonsburg
Slovenian Savings And Loan Associati Branch
130 Boone Avenue Strabane PA
The Ephrata National Bank
Hinkletown Branch
935 N. Railroad Avenue New Holland PA
Northwest Bank
Northwest Bank Branch
Second At Liberty Warren PA
The Andover Bank
The Andover Bank Branch
Route 20 West Springfield PA
The Ephrata National Bank
Hinkletown Branch
935 N. Railroad Avenue New Holland PA
Community Bank, National Association
Lawton Branch
3540 State Route 706 Lawton PA
The Fidelity Deposit and Discount Bank
Morgan Highway Branch
Morgan Highway, State Route 307 Clarks Summit PA
The Farmers National Bank of Canfield
Midland Branch
629 Midland Avenue Midland PA
Community Bank, National Association
Lawton Branch
3540 State Route 706 Lawton PA
Jersey Shore State Bank
Spring Mills Branch
3635 Penns Valley Road Spring Mills PA
The Luzerne Bank
Lake Office Branch
Corners Of Rt. 118 & 415 Dallas PA
Commercial Bank and Trust of PA
Pleasant Unity Branch
Routes 130 And 981 Pleasant Unity PA
Firstrust Savings Bank
Firstrust Savings Bank Branch
Castor And Cottman Avenue Philadelphia PA
Jersey Shore State Bank
Spring Mills Branch
3635 Penns Valley Road Spring Mills PA
The Luzerne Bank
Lake Office Branch
Corners Of Rt. 118 & 415 Dallas PA
KeyBank National Association
Kresgeville Branch
543 Interchange Rd Kresgeville PA
PNC Bank, National Association
Slippery Rock University Branch
1 Morrow Way, Smith Student Center Slippery Rock PA
Bank of America, National Association
Peddler's Village Branch
167 Carousel Lane Lahaska PA
Fifth Third Bank, National Association
Cranberry Banking Center Branch
940 Shearton Drive Mars PA


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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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