Bank · FDIC insured
Solvay Bank CD Rates
Solvay Bank’s best CD rate is 4.00% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Solvay Bank’s CD rates compare
Compared with banks and credit unions near Syracuse, NY, where Solvay Bank has the most branches. $10,000, best rate first.
This bank’s best
Solvay Bank
4.00%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $198
6 Month Certificate of Deposit Special
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Crouse Federal Credit Union
4.75%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $235
Solvay Bank CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo3.00%
- 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 Solvay 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.
6 Month Certificate of Deposit Special
4.00%APY · 1 term
Penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 4.00% | $198 |
Sources (2)
All captured Oct 16, 2026
Certificates of Deposit (CDs)
Up to 4.00%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 2.50% | $62 |
| 6 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 4.00% | $198 |
| 7 monthsMinimum deposit to open the account is $2,500.00 and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.80% | $220 |
| 12 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.80% | $380 |
| 16 monthsMinimum deposit to open the account is $2,500.00 and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.80% | $510 |
| 18 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $530 |
| 24 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $712 |
| 30 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 2.25% | $572 |
| 36 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 2.50% | $769 |
| 48 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 2.75% | $1,146 |
| 60 monthsCertificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings | 3.00% | $1,593 |
Sources (2)
- solvaybank.com/dummy-products/12-month-cd.html
- solvaybank.com/personal/person…ates-of-deposit-cds.html
All captured Oct 16, 2026
Special-purpose accounts
IRA CD Special Offers
Up to 4.50%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 4.25% | $246 |
| 16 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 4.50% | $604 |
Sources (2)
- solvaybank.com/dummy-products/12-month-cd.html
- solvaybank.com/personal/person…ement-accounts-iras.html
All captured Oct 16, 2026
IRA Certificates of Deposit
Up to 4.00%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 4.00% | $198 |
| 12 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 3.80% | $380 |
| 16 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $469 |
| 18 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $530 |
| 24 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 3.50% | $712 |
| 30 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 2.25% | $572 |
| 36 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 2.50% | $769 |
| 48 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 2.75% | $1,146 |
| 60 monthsPenalty may be imposed for early withdrawal. Fees may reduce earnings | 3.00% | $1,593 |
Sources (1)
- solvaybank.com/dummy-products/12-month-cd.html · 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.