bank rates

Month Of Change For 2-Year CD Rates

Find the top CD rates of 1.50% APY from’s been a tumultuous 30 days for 24-month CD rates.

We’ve seen 10 rate changes among the banks offering the best nationally available deals.

The top three banks have fallen from our rankings.

And a bank new to our rankings made a big splash by offering the top nationally available deal on our CD Rates Leaderboard.

MainStreet Bank, which has four branches in northern Virginia, is paying 1.50% APY with a $500 minimum deposit through its airbanking website (

Navigating the website to buy its certificates of deposit can be a frustrating experience. Follow these instructions on how to buy a CD from airbanking.

Two other banks aren’t far behind.

Paying 1.46% APY are:

  • Aurora Bank (, which has branches in Wilmington, Del., and Jersey City, N.J., with a $1,000 minimum deposit.
  • Virtual Bank (, which is the online division of Lydian Private Bank, based in Palm Beach, Fla., with a $10,000 minimum deposit.

And seven banks are paying 1.40% APY:

  • USAA (, a diversified financial company based in San Antonio, with a $1,000 minimum deposit.
  • Discover Bank (, an online bank owned by the credit card company, with a $2,500 minimum deposit.
  • Colorado Federal Savings Bank (, an online bank based in Greenwood Village, Colo., with a $5,000 minimum deposit.
  • Quaint Oak Bank (, a suburban Philadelphia bank with a single location, with a $500 minimum deposit.
  • Salem Five Savings Bank (, which has 22 branches just north of Boston, with a $10,000 minimum deposit.
  • Sanibel Captiva Community Bank (, which has three branches in southwest Florida, with a $1,000 minimum deposit.
  • Stonebridge Bank (, which has four branches in suburban Philadelphia, with a $500 minimum deposit.

All of these banks far exceed the average return on 24-month CDs — a stunningly low 0.66% APY.

Banks qualify for our rankings by imposing no restrictions on who can buy their certificates of deposit, either online or through the mail.

Compare these returns with the best CD rates from scores of banks in our extensive database.

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Comments (3)
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3 Existing Comments
  1. Mike at Bankaholic said:
    on August 8th at 09:35 am

    Colorado Federal Savings Bank cut its CD rates this morning to 1.35% APY.

  2. Kathy at Bankaholic said:
    on August 14th at 09:58 am

    Aurora’s rate for a $1,000 minimum is actually 1.45% (you’ll get that 1.46% APY with $100,000 deposit or more). Colorado Federal Savings’ rate has fallen again, to 1.30% APY, joined by Quaint Oak and Sanibel Captiva. Salem Five’s rate is down to 1.25% APY.

  3. Kathy at Bankaholic said:
    on August 29th at 10:10 am

    MainStreet’s 1.50% APY rate is still available, and USAA has raised its rate to match that 1.50% APY. All the other banks have lowered their rates.