Bank · FDIC insured
Canandaigua National Bank CD Rates
Top CarrotCanandaigua National Bank’s best CD rate is 4.25% APY on a 6-month CD. Terms run from 1 month to 2 years. Rates checked October 16, 2026.
How Canandaigua National Bank’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Canandaigua National Bank has the most branches. $10,000, best rate first.
This bank’s best
Canandaigua National Bank
4.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $210
CNSaver Online CD
Top rate
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Canandaigua National Bank CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.50%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Canandaigua National Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
CD Specials
Up to 4.25%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthNo account requirements | 3.00% | $25 |
| 7 monthsNo account requirements | 4.15% | $240 |
| 7 monthsOwnership of an Optimum Checking account is required to obtain the APY | 4.25% | $246 |
| 13 monthsNo account requirements | 4.15% | $450 |
| 13 monthsOwnership of an Optimum Checking account is required to obtain the APY | 4.25% | $461 |
Sources (3)
- cnbank.com/you/savings/cd-specials
- cnbank.com/you/savings/cd-specials-syracuse-ny
- cnbank.com/you/savings/certificate-of-deposit
All captured Oct 16, 2026
CNSaver Online CD
Up to 4.25%APY · 3 terms
Must be opened online.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust be opened online. Auto renewal term: 6-month CNSaver Online CD | 4.25% | $210 |
| 12 monthsMust be opened online. Auto renewal term: 6-month CNSaver Online CD | 4.25% | $425 |
| 24 monthsMust be opened online. Auto renewal term: 6-month CNSaver Online CD | 2.50% | $506 |
Sources (3)
- cnbank.com/you/savings/certificate-of-deposit
- cnbank.com/you/savings/cnsaver-online-cds
- cnbank.com/you/savings/online-cds
All captured Oct 16, 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.