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Image Courtesy: www.pixabay.com
You are viewing rates from banks across San Marcos
Below are two-year Certificates of Deposit (CD) rates from banks in San Marcos, Texas. 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.
San Marcos, TX - August 1, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
4.15% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 270 days interest. |
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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 |
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4.00% |
$2,500 |
- |
Learn More
|
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Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00% |
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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 |
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4.00% |
$25,000 |
- |
Learn More
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Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00% |
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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 |
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4.00% 3.60% |
$100,000 $1,000 |
15.53 |
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3.50% |
$5,000 |
- |
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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 |
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3.50% |
$500 |
- |
Learn More
|
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Rate History: 3.50% → 3.50% → 3.75% → 3.50% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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3.20% |
$50,000 |
14.52 |
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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 |
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2.75% |
$0 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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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 |
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1.11% |
$100,000 |
12.71 |
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CFO | Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More |
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1.10% |
$90,000 |
15.96 |
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1.05% |
$100,000 |
23.83 |
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1.01% |
$10,000 |
12.71 |
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CFO | Oct 22, 2021 TrustTexas Bank was founded in 1921. Read More |
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1.00% |
$100,000 |
23.60 |
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0.95% |
$1,000 |
23.83 |
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0.85% |
$500 |
15.96 |
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0.80% |
$10,000 |
23.60 |
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0.75% |
$1,000 |
20.91 |
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0.75% |
$10,000 |
15.84 |
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0.70% |
$100,000 |
12.41 |
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.65% |
$100,000 |
24.18 |
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0.60% |
$10,000 |
12.41 |
Learn More
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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0.60% |
$100,000 |
10.35 |
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0.55% |
$100,000 |
14.52 |
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0.55% |
$100,000 |
10.47 |
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0.55% |
$100,000 |
14.46 |
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FEE free now | Sep 3, 2021 I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More |
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0.50% |
$10,000 |
24.18 |
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0.50% |
$500 |
14.52 |
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0.50% |
$10,000 |
10.47 |
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0.50% |
$10,000 |
14.46 |
Learn More
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FEE free now | Sep 3, 2021 I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More |
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0.50% |
$10,000 |
10.35 |
Learn More
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0.40% |
$1,000 |
- |
Learn More
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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 |
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0.40% |
$10,000 |
12.41 |
Learn More
|
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Jettdawg | Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More |
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|
0.30% |
$10,000 |
11.62 |
Learn More
|
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Olin | Sep 27, 2023 They take excellent care of their customers. Wish they had more branches. I appreciate they are so involved in their respective communities. Read More |
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0.25% |
$10,000 |
- |
Learn More
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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 |
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0.25% |
$1,000 |
15.71 |
Learn More
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Ramiro Saucedo | Oct 7, 2019 Just recently had the pleasure of doing a finance of some rental units. Mr. Hale and his staff were very professional and efficient in this process. I highly recommend them to anyone in our community. Read More |
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0.25% |
$100,000 |
15.81 |
Learn More
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0.20% |
$1,000 |
- |
Learn More
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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 |
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0.20% |
$1,000 |
14.52 |
Learn More
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HB | Sep 12, 2023 Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More |
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0.20% |
$10,000 |
15.81 |
Learn More
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0.03% |
$100,000 |
15.84 |
Learn More
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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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