Bank · FDIC insured
Jeff Bank CD Rates
Jeff Bank’s best CD rate is 3.04% APY on a 7-month CD, with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Jeff Bank’s CD rates compare
Compared with banks and credit unions near Monticello, NY, where Jeff Bank has the most branches. $10,000, best rate first.
This bank’s best
Jeff Bank
0.60%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $304
Reward Savings Certificates
Top rate
Wayne Bank
4.00%APY
- Term
- 20 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $676
2nd-highest rate
Hudson Valley Credit Union
3.88%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $750
- Earns on $10,000
- $388
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Jumbo Savings Certificate
Up to 3.04%APY · 11 terms
A penalty may be imposed on all savings certificates for early withdrawal, which could reduce the earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownInterest compounds at maturity. A penalty may be imposed for early withdrawal | 0.15% | $0 |
| 6–11 monthsInterest compounds monthly. A penalty may be imposed for early withdrawal | 0.15% | $7 |
| 7 monthsInterest compounds monthly. Depositors must maintain a Jeff Bank checking, Savings and/or IMM account (does not include CD accounts). A penalty may be imposed for early withdrawal | 3.04% | $176 |
| 12–17 monthsInterest compounds monthly. A penalty may be imposed for early withdrawal | 0.20% | $20 |
| 18 months18 Month Escalator. Interest compounds quarterly. Rate may be stepped up / adjusted up once during 18 month term. Additional deposits made of $150.00 or more. A penalty may be imposed for early withdrawal | 0.30% | $45 |
| 18–23 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.30% | $45 |
| 24–29 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.35% | $70 |
| 30–35 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.35% | $88 |
| 36–47 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.40% | $120 |
| 48–59 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.50% | $202 |
| 60 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.60% | $304 |
Sources (1)
- jeff.bank/deposit-rates · captured Oct 5, 2026
Reward Savings Certificates
Up to 3.04%APY · 11 terms
A depositor must be enrolled in one of our reward programs to qualify. A penalty may be imposed for early withdrawal which could reduce the earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownInterest compounds at maturity. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.15% | $0 |
| 6–11 monthsInterest compounds monthly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.15% | $7 |
| 7 monthsInterest compounds monthly. Depositors must maintain a Jeff Bank checking, Savings and/or IMM account (does not include CD accounts). Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 3.04% | $176 |
| 12–17 monthsInterest compounds monthly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.20% | $20 |
| 18 months18 Month Escalator. Interest compounds quarterly. Rate may be stepped up / adjusted up once during 18 month term. Additional deposits made of $150.00 or more. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.30% | $45 |
| 18–23 monthsInterest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.30% | $45 |
| 24–29 monthsInterest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.35% | $70 |
| 30–35 monthsInterest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.35% | $88 |
| 36–47 monthsInterest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.40% | $120 |
| 48–59 monthsInterest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.50% | $202 |
| 60 monthsInterest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal | 0.60% | $304 |
Sources (1)
- jeff.bank/deposit-rates · captured Oct 5, 2026
Savings Certificates
Up to 3.04%APY · 11 terms
A penalty may be imposed on all savings certificates for early withdrawal, which could reduce the earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownInterest compounds at maturity. A penalty may be imposed for early withdrawal | 0.05% | $0 |
| 6–11 monthsInterest compounds monthly. A penalty may be imposed for early withdrawal | 0.05% | $2 |
| 7 monthsInterest compounds monthly. Depositors must maintain a Jeff Bank checking, Savings and/or IMM account (does not include CD accounts). A penalty may be imposed for early withdrawal | 3.04% | $176 |
| 12–17 monthsInterest compounds monthly. A penalty may be imposed for early withdrawal | 0.10% | $10 |
| 18 months18 Month Escalator. Interest compounds quarterly. Rate may be stepped up / adjusted up once during 18 month term. Additional deposits made of $150.00 or more. A penalty may be imposed for early withdrawal | 0.20% | $30 |
| 18–23 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.20% | $30 |
| 24–29 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.25% | $50 |
| 30–35 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.25% | $63 |
| 36–47 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.30% | $90 |
| 48–59 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.40% | $161 |
| 60 monthsInterest compounds quarterly. A penalty may be imposed for early withdrawal | 0.50% | $253 |
Sources (1)
- jeff.bank/deposit-rates · 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.