Best CD rates in Albany, NY

Requirements

Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).

Offer: Special promotional offer valid through 11/06/2026. Once the 7-month certificate matures, the funds will roll into a 6-month certificate and all terms and conditions of the new certificate will apply.

Requirements

Product: Minimum opening deposit of $500. Automatically renews at maturity; 10-day grace period after maturity for certificates with maturities greater than 90 days. Early withdrawal penalties apply. No additional deposits permitted.

Offer: Rate accurate as of August 3, 2026.

Requirements

Product: Open a Certificate with a minimum deposit of $500 ($2,500 for 9-month and 24-month Share Certificates). Terms ranging from 3 months to 5 years. Lock in rate for entire certificate term. Competitive dividends compounded and credited monthly; withdraw earned dividends at any time without penalty. Automatic renewal at maturity for the same term as originally opened. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Funds federally insured by the NCUA up to applicable limits.

Offer: Annual Percentage Yield (APY) assumes principal and dividends remain on deposit for the full Share Certificate term. Dividends are compounded monthly. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatically renews for the same term as originally opened. Minimum deposit $2,500.

Requirements

Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.

Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.

Requirements

Product: Interest compounds quarterly and is credited quarterly. Minimum deposit for terms less than 3 months is $2,500; minimum deposit for terms 3 months and greater is $1,000. Minimum daily balance to obtain stated APY is $1,000. Penalty for early withdrawal. Fees may reduce earnings.

Offer: NEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies.

Requirements

Product: Step-up option available on 36-60 month certificates. Additional 10 basis points (0.10%) for deposits over $50,000.

Offer: With step-up option

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Product: Rates may change prior to account opening. A penalty will or may be imposed for early withdrawal. No minimum balance is required to earn the stated APY after account is opened. Other terms available.

Offer: No minimum balance is required to earn the stated APY after account is opened. Early withdrawal penalty may apply.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: Minimum investment of $500.00 ($10,000.00 for 9 Months Special). Maximum investment of $100,000.00 per account. Early withdrawal penalties may apply.

Requirements

Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.

Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Dividends are fixed for the term of the certificate, declared, compounded and paid monthly based on average daily balance. Early withdrawal penalties may apply. No setup or maintenance fees.