2-Year CDs

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InstitutionAPY
Pentagon Federal Credit Union1.260%
CIT Bank1.090%
Alliant Credit Union1.050%
Ally Bank1.000%
Apple Federal Credit Union0.650%
SunTrust Bank0.500%
North American Savings Bank0.450%
VIBE Credit Union0.250%


Rates updated: 10/01/2013

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There is currently a slight premium between a 2-year CD and a 1-year. The average difference is about 25 Basis Points. Whether to pick one over the other is a matter of whether you believe rates will be going up anytime soon and if so, by how much. I don’t think they will be. So if you don’t want to go 5-years, and you don’t have a short-term need for the funds, you may want to opt for a 2-year CD.

I will be working on a few rate graphs over the next few weeks. One set will just be of current rates, another will be of historical rates, and what will probably be my favorite will show the ups and downs of CD rates along with Fed Funds. I’ll keep you posted.

Update 9/13/12: I created a post that became a case study in comparing 1-year and 5-year CD Rates. It has a couple of nice graphs as well. 1-year CD Rates vs 5-year CD Rates Case Study

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