Bank · FDIC insured
Chemung Canal Trust Company CD Rates
Chemung Canal Trust Company’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Chemung Canal Trust Company’s CD rates compare
Compared with banks and credit unions near Albany, NY, where Chemung Canal Trust Company has the most branches. $10,000, best rate first.
This bank’s best
Chemung Canal Trust Company
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $400
Certificate of Deposit (CD)
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
Chemung Canal Trust Company CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo0.35%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.00%
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 Chemung Canal Trust Company 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.
Certificate of Deposit (CD)
Up to 4.00%APY · 11 terms
Interest compounds quarterly and is credited quarterly. Minimum deposit for terms less than 3 months is $2,500; minimum deposit for terms 3 months and greater is $1,000. Minimum daily balance to obtain stated APY is $1,000. Penalty for early withdrawal. Fees may reduce earnings.
| Term | APY · $1,000 – $1,000,000 | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownTerm is 7-89 days. Non-renewable. Minimum deposit for terms less than 3 months is $2,500. Minimum daily balance to obtain APY is $1,000 | — | 0.05% | 0.05% | $0 |
| 3 months | — | 0.05% | 0.05% | $1 |
| 6 months | — | 0.10% | 0.10% | $5 |
| 6 monthsNEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies | 3.55% | — | 3.55% | $176 |
| 12 months | — | 0.20% | 0.20% | $20 |
| 12 monthsNEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies | 4.00% | — | 4.00% | $400 |
| 18 months | — | 0.20% | 0.20% | $30 |
| 24 months | — | 0.35% | 0.35% | $70 |
| 30 months | — | 0.35% | 0.35% | $88 |
| 36 months | — | 0.45% | 0.45% | $136 |
| 48 months | — | 2.00% | 2.00% | $824 |
| 60 months | — | 0.60% | 0.60% | $304 |
| 84 months | — | 0.60% | 0.60% | $428 |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CD
Up to 2.00%APY · 10 terms
Subject to IRS tax regulations and penalties. Interest is paid quarterly. Minimum deposit to open an IRA account is $1,000 (except for the 18-month variable interest rate account, which is $100). Minimum daily balance to obtain stated APY is $1,000 (except for the 18-month variable interest rate account, which is $100). Penalty may be imposed on early withdrawals. Fees could reduce earnings on accounts.
| Term | APY · $100 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 0.05% | 0.05% | $1 |
| 6 months | — | 0.10% | 0.10% | $5 |
| 12 months | — | 0.20% | 0.20% | $20 |
| 18 months | — | 0.20% | 0.20% | $30 |
| 18 months18 Month - Variable rate; $100 and over. Minimum deposit to open account is $100 and minimum daily balance to obtain stated APY is $100 | 0.03% | — | 0.03% | $5 |
| 24 months | — | 0.35% | 0.35% | $70 |
| 30 months | — | 0.35% | 0.35% | $88 |
| 36 months | — | 0.45% | 0.45% | $136 |
| 48 months | — | 2.00% | 2.00% | $824 |
| 60 months | — | 0.60% | 0.60% | $304 |
| 84 months | — | 0.60% | 0.60% | $428 |
Opening an account
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