Bank · FDIC insured
Upstate National Bank CD Rates
Upstate National Bank’s best CD rate is 3.85% APY on a 2-year CD. Terms run from 1 year to 2 years. Rates checked October 16, 2026.
How Upstate National Bank’s CD rates compare
Compared with banks and credit unions in New York, where Upstate National Bank has the most branches. $10,000, best rate first.
This bank’s best
Upstate National Bank
3.60%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $733
Certificates of Deposits
Top rate
Syracuse Fire Department Credit Union
5.00%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $247
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposits
Up to 3.60%APY · 3 terms
| Term | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 3.40% | 3.65% | 3.40%3.65% from $50k | $340 |
| 18 months | 3.50% | 3.75% | 3.50%3.75% from $50k | $530 |
| 24 months | 3.60% | 3.85% | 3.60%3.85% from $50k | $733 |
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.