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Compare Bank & Credit Union Rates

Best 18-month CD rates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location
Credit unions only

Top CD rates

Showing 1–15 of 102 results in New York

  1. Salt City Federal Credit UnionShare CertificatesCD · 18 months · $1,000 min

    Credit union · 2 branches

    4.50%APY$683 over 18 months on $10,000
  2. Top Carrot, Carrot Score 97
    GHS FCUShare CertificateCD · 18 months · $500 min

    Credit union · 2 branches

    4.50%APY$683 over 18 months on $10,000
  3. Top Carrot, Carrot Score 91
    Utica Gas & Electric Federal Credit UnionShare CertificatesCD · 18 months · $500 min

    Credit union · 1 branch

    4.50%APY$683 over 18 months on $10,000
  4. Syracuse Fire Department Credit UnionTerm Share CertificateCD · 18 months · $1,000 min

    Credit union · 1 branch

    4.50%APY$683 over 18 months on $10,000
  5. Top Carrot, Carrot Score 89
    Jovia Credit UnionCertificatesCD · 18 months · $100 min

    Credit union · 20 branches

    4.30%APY$652 over 18 months on $10,000
  6. Heritage Financial Credit UnionShare CertificateCD · 18 months · $500 min

    Credit union · 12 branches

    4.30%APY$652 over 18 months on $10,000
  7. NY TEAM Federal Credit UnionCertificateCD · 18 months · $1,000 min

    Credit union · 3 branches

    4.30%APY$652 over 18 months on $10,000
  8. Top Carrot, Carrot Score 93
    First Choice Financial Federal Credit UnionShare CertificatesCD · 18 months · $500 min

    Credit union · 3 branches

    4.29%APY$650 over 18 months on $10,000
  9. Top Carrot, Carrot Score 92
    Pittsford Federal Credit UnionCertificatesCD · 18 months · $50 min

    Credit union · 2 branches

    4.25%APY$644 over 18 months on $10,000
  10. Encompass Niagara Federal Credit UnionRegular CertificateCD · 18 months · $1,000 min

    Credit union · 1 branch

    4.18%APY$634 over 18 months on $10,000
  11. Top Carrot, Carrot Score 91
    O&R Utilities Employees Federal Credit UnionCertificate of DepositCD · 18 months · $500 min

    Credit union · 1 branch

    4.18%APY$633 over 18 months on $10,000
  12. Reliant Credit UnionInvestor CertificateCD · 18 months · $1,000 min

    Credit union · 10 branches

    4.15%APY$629 over 18 months on $10,000
  13. Top Carrot, Carrot Score 93
    Self Reliance Financial Federal Credit UnionCertificateCD · 18 months · $500 min

    Credit union · 5 branches

    4.13%APY$626 over 18 months on $10,000
  14. Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 4 branches

    4.10%APY$621 over 18 months on $10,000
  15. Top Carrot, Carrot Score 93
    AmeriCU Credit UnionShare Certificate SpecialCD · 18 months · $500 min

    Credit union · 23 branches

    4.00%APY$606 over 18 months on $10,000intro rate

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.

What 18-month CDs pay in New York

102 CDs at 95 banks and credit unions · checked Nov 6–7

Typical
3.30%
Top 10% from
4.18%
Credit unions, typical
3.30%

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New York

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. SJP Federal Credit UnionCredit union · 1 branch
  2. Ontario Shores FCUCredit union · 5 branches
  3. BTG Pactual Bank, National AssociationBank · 1 branch
See all ranked institutions
Best 18-Month CD Rates of November 2026 | Carrot Rate