Compare Bank & Credit Union Rates
Best CD rates in Hauppauge, NY
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Hauppauge, NY
- Teachers Federal Credit UnionCertificate AccountsCD · 22 months · $1,000 min
Credit union · 2 branches
4.50%APY$840 over 22 months on $10,000Requirements
Product: $1,000.00 minimum balance to earn APY and to open an account. Certificates automatically renew at maturity. Membership at Teachers is required by opening a minimum $1.00 Regular or Youth Savings account. Penalty may be imposed for early withdrawal. Maintenance fee is $0.00.
Offer: Certificate is available for New Money deposits only. New Money is defined as money not currently on deposit or held by Teachers FCU within the previous 12 months.
4.40% interest rate · Effective Sep 30, 2026
Rate checked
More details - 4.30%APY$430 over 1 year on $10,000intro rate
Requirements
Product: FDIC insured up to $250,000 per depositor. No monthly fees when held to maturity. Early withdrawal penalty applies. Maximum deposit is $10 million. Not available for public units.
Offer: Must present offer at account opening. Limited-time offer. Not available for public units or Business CDs. Certain restrictions, including area restrictions, may apply.
Promotional rate · Balance cap $10,000,000 · Effective Oct 16, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
Rate checked
More details - 4.20%APY$456 over 13 months on $10,000
Requirements
Product: Rates effective as of: 10.16.2026. These Annual Percentage Yields (APYs) are accurate as of the date displayed on the CD Rates page and are subject to change without notice. Our CD interest rates remain fixed until maturity. The minimum balance to open a Certificate of Deposit and earn the APY is $500. A penalty may be imposed for withdrawals before maturity. Fees could reduce earnings.
4.11% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.18%APY$312 over 9 months on $10,000with conditions
Requirements
Product: Limited-time offer for new deposit customers, loan-only customers, or employees of OceanFirst Bank. Requires new money not currently on deposit at OceanFirst Bank. Automatically renews for a 9-month term at published non-special rate. Penalty for early withdrawal may apply. Government accounts excluded.
Offer: Promotional APY increase and $250,000 maximum funding amount available if opening a non-interest FreeStyle Checking or Community Business Checking account within 60 days of certificate opening date (employees may open any OceanFirst checking account).
Qualified rate · 4.10% interest rate · Balance cap $250,000
Rate checked
More details - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.
Promotional rate · Effective Oct 22, 2026
Rate checked
More details - People's Alliance Federal Credit UnionShare CertificateCD · 10 months · $1,000 min
Credit union · 1 branch
4.05%APY$336 over 10 months on $10,000Requirements
Product: Fixed rate. Dividends are earned daily, compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of principal; paid dividends are available for withdrawal. Account renews automatically at maturity with a 7 calendar day grace period. Credit union membership required ($5.00 par value share).
Offer: Special rate available for a limited time. Minimum opening deposit of $1,000 required. Available for new money only (money not currently on deposit or held by PAFCU within the past 12 months).
3.98% interest rate · Effective Aug 17, 2026
Rate checked
More details - 4.00%APY$332 over 10 months on $10,000intro rate
Requirements
Product: Minimum balance of $500 required to open and earn interest. Membership eligibility applies. Early withdrawal fee applies if funds are accessed prior to maturity. Funds roll over into the same or most similar term at maturity unless specified at account opening.
Offer: Promotional Rate
Promotional rate · 3.93% interest rate
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
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.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.82%APY$779 over 24 months on $10,000
- 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 24-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details
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 CDs pay in Hauppauge, NY
93 CDs at 10 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.07%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches