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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

Top CD rates

Showing 1–15 of 178 results in New York

  1. Top Carrot, Carrot Score 98
    BTG Pactual Bank, National AssociationOnline CDCD · 18 months · $500 min

    Bank · 1 branch

    4.70%APY$713 over 18 months on $10,000intro rate
  2. Top Carrot, Carrot Score 95
    E*TRADE from Morgan StanleyCertificates of DepositCD · 18 months · $0 min

    Bank · 1 branch

    4.55%APY$690 over 18 months on $10,000
  3. 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
  4. 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
  5. 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
  6. 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
  7. Lake Shore BankSelect Certificate of Deposit (CD)CD · 18 months · $500 min

    Bank · 10 branches

    4.44%APY$673 over 18 months on $10,000intro rate
  8. Top Carrot, Carrot Score 95
    Marcus by Goldman SachsHigh-Yield CDCD · 18 months · $500 min

    Bank · 1 branch

    4.40%APY$667 over 18 months on $10,000
  9. 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
  10. Heritage Financial Credit UnionShare CertificateCD · 18 months · $500 min

    Credit union · 12 branches

    4.30%APY$652 over 18 months on $10,000
  11. Top Carrot, Carrot Score 88
    Rhinebeck BankCertificate of DepositCD · 18 months · $2,000 min

    Bank · 13 branches

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

    Credit union · 3 branches

    4.30%APY$652 over 18 months on $10,000
  13. 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
  14. Flagstar BankCertificates of Deposit (CD)CD · 18 months · $500 min

    Bank · 107 branches

    4.25%APY$644 over 18 months on $10,000intro rate
  15. TD BankTD Choice CDCD · 18 months · $250 min · up to $10,000

    Bank · 231 branches

    4.25%APY$644 over 18 months on $10,000on balances up to $10,000

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

What 18-month CDs pay in New York

178 CDs at 158 banks and credit unions · checked Nov 5–7

Typical
3.23%
Top 10% from
4.18%
Banks, typical
2.07%
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