Bank · FDIC insured
Cross River CD Rates
Cross River’s best CD rate is 3.75% APY on a 3-month CD. Terms run from 3 months to 4 years. Rates checked October 22, 2026.
How Cross River’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Cross River has the most branches. $10,000, best rate first.
This bank’s best
Cross River
3.75%APY
- Term
- 3 months
- Minimum
- $500
- Earns on $10,000
- $92
Certificate of Deposit - Branch
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Cross River CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.60%
- QualifiedQualified3.75%
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 Cross River 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 - Branch
Up to 3.75%APY · 8 terms
Subject to penalty for early withdrawal. Rates are subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.75% | $92 |
| 6 months | 3.65% | $181 |
| 9 months | 3.60% | $269 |
| 12 months | 3.50% | $350 |
| 18 months | 3.50% | $530 |
| 24 months | 3.50% | $712 |
| 36 months | 3.50% | $1,087 |
| 48 months | 3.60% | $1,520 |
Sources (1)
- crossriver.com/personal-banking · captured Sep 19, 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.