Bank · FDIC insured
Cayuga Lake National Bank CD Rates
Cayuga Lake National Bank’s best CD rate is 3.50% APY on a 30-month CD. Terms run from 6 months to 4 years. Rates checked October 16, 2026.
How Cayuga Lake National Bank’s CD rates compare
Compared with banks and credit unions near Auburn, NY, where Cayuga Lake National Bank has the most branches. $10,000, best rate first.
This bank’s best
Cayuga Lake National Bank
3.50%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $898
Certificates of Deposit
Top rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $111
2nd-highest rate
Lyons National Bank (LNB)
4.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $366
Cayuga Lake National Bank CD score
65
CD score
Higher than 14% of U.S. banks and credit unions
- 3–8 months3–8 mo0.30%
- 9–15 months9–15 mo0.35%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo0.60%
- QualifiedQualified3.50%
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 Cayuga Lake 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.
Certificates of Deposit
Up to 3.50%APY · 8 terms
Early withdrawal penalty may be imposed. Interest credited and compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCredited and compounded monthly | 0.30% | $15 |
| 12 monthsCredited and compounded monthly | 0.35% | $35 |
| 18 monthsCredited and compounded monthly | 0.40% | $60 |
| 20 monthsCD Special. Credited and compounded monthly | 3.25% | $548 |
| 24 monthsCredited and compounded monthly | 0.45% | $90 |
| 30 monthsCD Special. Credited and compounded monthly | 3.50% | $898 |
| 36 monthsCredited and compounded monthly | 0.50% | $151 |
| 48 monthsCredited and compounded monthly | 0.60% | $242 |
Sources (2)
- cayugalakenationalbank.com/per…savings-accounts-and-cds
- cayugalakenationalbank.com/assets/files/CARXJeek
All captured Sep 17, 2026
Special-purpose accounts
IRA Certificate
Up to 0.60%APY · 6 terms
Traditional and Roth IRAs offered. The minimum deposit for any IRA is $250.00. The IRA Annual Percentage Yield is calculated on a quarterly Compounding Method. Early withdrawal penalty may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsThe IRA APY is calculated on a quarterly compounding method. Minimum deposit for any IRA is $250.00 | 0.30% | $15 |
| 12 monthsThe IRA APY is calculated on a quarterly compounding method. Minimum deposit for any IRA is $250.00 | 0.35% | $35 |
| 18 monthsThe IRA APY is calculated on a quarterly compounding method. Minimum deposit for any IRA is $250.00 | 0.40% | $60 |
| 24 monthsThe IRA APY is calculated on a quarterly compounding method. Minimum deposit for any IRA is $250.00 | 0.45% | $90 |
| 36 monthsThe IRA APY is calculated on a quarterly compounding method. Minimum deposit for any IRA is $250.00 | 0.50% | $151 |
| 48 monthsThe IRA APY is calculated on a quarterly compounding method. Minimum deposit for any IRA is $250.00 | 0.60% | $242 |
Sources (2)
- cayugalakenationalbank.com/per…savings-accounts-and-cds
- cayugalakenationalbank.com/assets/files/CARXJeek
All captured Sep 17, 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.