Compare Bank & Credit Union Rates
Best CD rates in Yonkers, NY
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Yonkers, NY
- 4.59%APY$939 over 24 months on $10,000
Requirements
Product: Adjustable/variable yield account with no cap and a 0.25% floor. Yield is based on the 2-Year U.S. Treasury Rate on quarterly dates (March 1, June 1, September 1, December 1 or next business day) plus 0.25%. Maximum individual deposit of $500,000. Upon maturity rolls over into a regular 2-year fixed-rate CD. Available for consumers only.
Offer: Variable yield based on the quarterly 2-year U.S. Treasury rate (yielding 4.34% as of August 31, 2026) plus 0.25%. No cap, 0.25% floor. Maximum individual deposit $500,000.
4.43% interest rate · Balance cap $500,000
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
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More details - 4.25%APY$353 over 10 months on $10,000intro rate
Requirements
Product: Limited-time offer. New money only (none of the funds used to open may come from funds on deposit at Ridgewood Savings Bank). Must be opened online. One 10-month online CD per customer. Maximum deposit $500,000. Early withdrawal penalties apply.
Offer: New money only; maximum deposit $500,000; one per customer; must be opened online.
Promotional rate · 4.11% interest rate · Balance cap $500,000 · Effective Oct 5, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Rates effective as of 10/13/2026. Early withdrawal penalties apply as shown per term. Minimum opening balance applies.
Offer: Penalty for early withdrawal: 9 Months Dividends.
4.16% interest rate · Effective Oct 13, 2026
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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
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More details - Municipal Credit Union12 Month Share Certificate - $5K New MoneyCD · 12 months · $5,000 min
Credit union · 1 branch
4.07%APY$407 over 1 year on $10,000intro rateRequirements
Product: Requires minimum deposit of $5,000 in New Money (funds not on deposit in any MCU account at account opening/renewal). Must open or renew in person at a branch, via Digital Banking, or mail-in renewal. Additional funds from existing MCU accounts earn stated APY. Automatically renews into standard 12 Month Share Certificate at maturity. Early withdrawal penalty applies.
Offer: Promotional rate reflecting 0.50% increase on standard 12-month dividend rate. Requires at least $5,000 in New Money deposited directly or transferred from MCU checking/savings within 7 days of deposit.
Promotional rate · 4.00% interest rate · Effective Oct 16, 2026
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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
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More details - 3.82%APY$1,190 over 36 months on $10,000
Requirements
Product: Fixed-rate share certificate. Early withdrawal penalties apply.
Offer: Fixed rate.
3.75% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
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.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: Early withdrawal penalties apply on CD accounts. Guaranteed fixed rate of return for the entire term.
Offer: 9 Month CD term.
3.63% interest rate · Effective Oct 5, 2026
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More details - 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
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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
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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
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 Yonkers, NY
186 CDs at 11 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.33%
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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