Bank · FDIC insured
1st National Bank of Scotia CD Rates
1st National Bank of Scotia’s best CD rate is 3.75% APY on a 9-month CD, with extra requirements. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How 1st National Bank of Scotia’s CD rates compare
Compared with banks and credit unions near Albany, NY, where 1st National Bank of Scotia has the most branches. $10,000, best rate first.
This bank’s best
1st National Bank of Scotia
3.75%APY
- Term
- 9 months
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000
- $280
Certificate of Deposit
Top rate
Broadview Federal Credit Union
4.40%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $254
2nd-highest rate
Sunmark Credit Union
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $210
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.75%APY · 9 terms
Early withdrawal penalties apply. APY for CDs one year or more are based on quarterly interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 0.80% | $7 |
| 3–5 monthsTerm 90-179 days | 0.80% | $20 |
| 6–12 monthsTerm 180-364 days | 2.76% | $137 |
| 9 monthsRelationship/New Money special: Valid on new money not currently on deposit with 1st National Bank of Scotia, or for depositors who maintain an active deposit account or loan relationship. Reverts to 6-month CD at maturity. Rate guaranteed for 9 months from opening date | 3.75% | $280 |
| 12–17 monthsTerm 12-17 months. APY based on quarterly interest | 2.82% | $282 |
| 24 monthsAPY based on quarterly interest | 2.85% | $578 |
| 36 monthsAPY based on quarterly interest | 2.90% | $895 |
| 48 monthsAPY based on quarterly interest | 2.94% | $1,229 |
| 60 monthsAPY based on quarterly interest | 2.97% | $1,576 |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.75%APY · 6 terms
No monthly fees. Shelter income from income taxes. Early withdrawal penalties apply. APY for CDs one year or more are based on quarterly interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsRelationship/New Money special: Valid on new money not currently on deposit with 1st National Bank of Scotia, or for depositors who maintain an active deposit account or loan relationship. Reverts to 6-month certificate at maturity. Rate guaranteed for 9 months from opening date | 3.75% | $280 |
| 12–17 monthsTerm 12-17 months. APY based on quarterly interest | 2.82% | $282 |
| 24 monthsAPY based on quarterly interest | 2.85% | $578 |
| 36 monthsAPY based on quarterly interest | 2.90% | $895 |
| 48 monthsAPY based on quarterly interest | 2.94% | $1,229 |
| 60 monthsAPY based on quarterly interest | 2.97% | $1,576 |
Sources (3)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.