Compare Bank & Credit Union Rates
Best CD rates in New York
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 166–180 results in New York
- Cadets Federal Credit UnionShare Certificate AccountsCD · 48 months · $1,000 min · 3.80%–4.06% by balance
Credit union · 2 branches
3.80%APY$1,610 over 48 months on $10,000Requirements
Product: Dividends are compounded quarterly and credited quarterly (or at maturity). Penalties may be imposed for early withdrawal. Rates calculated using average daily balance.
Offer: 9-Month Penalty for Early Withdrawal
3.75% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.80% $50,000 – $99,999 3.93% $100,000 – $250,000 4.06% Rate checked
More details - 3.80%APY$188 over 6 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 6 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.74% interest rate · Effective Sep 25, 2026
Rate checked
More details - 3.80%APY$284 over 9 months on $10,000
Requirements
Product: Federally insured. CDs will automatically renew at maturity unless customer chooses otherwise. Rates and special offers may be withdrawn at any time and are subject to change without notice. Penalty for early withdrawal. Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. The minimum balance shown is required to achieve the stated Annual Percentage Yield. We use the daily balance method to calculate the interest on your account. Federal Regulations require a penalty for early withdrawal on certificate accounts, including substantial tax penalties on tax deferred instruments.
Offer: Term: 9 months. Interest compounded continuously.
3.68% interest rate · Effective Sep 26, 2026
Rate checked
More details - 3.80%APY$316 over 10 months on $10,000
Requirements
Product: All interest rates are subject to change without notice. Penalties for early withdrawal may reduce earnings. To open a CD please visit your local branch.
Offer: 10 Month CD. Initial opening balance / minimum balance to obtain APY is $500.
3.68% interest rate · Effective Sep 18, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000intro rate
Requirements
Product: Member can request a one-time rate increase prior to maturity matching the USALLIANCE rate posted for current Step-Up certificate with same original maturity.
Promotional rate · 3.73% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.80%APY$380 over 1 year on $10,000
Requirements
Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions. Daily balance method used. No additional deposits permitted. No withdrawals during first 7 calendar days after initial deposit. Automatically renews with a 10-day grace period.
Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
3.73% interest rate · Effective Dec 18, 2025
Rate checked
More details - Tompkins Employees FCUShare CertificateCD · 12 months · $500 min · 3.80%–3.95% by balance
Credit union · 1 branch
3.80%APY$380 over 1 year on $10,000Requirements
Product: Early withdrawal penalties apply. Accounts with a specific term earn the opening APY until maturity. Certificate automatically renews into like term at prevailing rate.
Effective Jan 15, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $25,000Your amount 3.80% $25,000 – $75,000 3.85% $75,000 and up 3.95% Rate checked
More details - Ukrainian National Federal Credit UnionShare CertificatesCD · 15 months · $5,000 min
Credit union · 2 branches
3.80%APY$477 over 15 months on $10,000Requirements
Product: Dividends on 3-month and 6-month share certificates are accrued daily and credited at maturity. Dividends on share certificates termed 12 months or longer are accrued daily and credited quarterly. Additions not permitted until maturity. Early withdrawal penalty applies (50% of dividend that would be earned over term on amount withdrawn). Membership eligibility required.
Offer: Special offer; new funds only. Dividends accrued daily and credited quarterly.
3.75% interest rate · Effective Aug 11, 2026
Rate checked
More details - 3.80%APY$608 over 19 months on $10,000intro rate
Requirements
Product: $1000 minimum balance required. Early withdrawal penalty may be imposed. Dividends posted quarterly. Jumbo Share Certificate = $100,000 or more.
Offer: Limited time Certificate Promotion. Early withdrawal penalty may be imposed. $1000 minimum balance required.
Promotional rate · 3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.80%APY$1,184 over 36 months on $10,000
Requirements
Product: Minimum Deposit is $1,000 for all certificates. All rates are subject to change.
3.75% interest rate · Effective Sep 30, 2026
Rate checked
More details - Qside FCUCertificates of Deposit (CDs)CD · 36 months · $500 min · 3.52%–3.97% by balance
Credit union · 1 branch
3.77%APY$1,174 over 36 months on $10,000Requirements
Product: Membership required. Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Offer: Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings.
3.50% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $500 – $9,999 3.52% $10,000 – $24,999Your amount 3.77% $25,000 – $49,999 3.87% $50,000 – $99,000 3.92% $100,000 and up 3.97% Rate checked
More details - 3.75%APY$92 over 3 months on $10,000intro rate
Requirements
Product: Minimum deposit to open is $1,000.00. Dividends paid at maturity. APY is based on assumption interest remains in account until maturity. Early withdrawal penalty applies (3 months of dividends for terms less than 1 year, 6 months for terms more than 1 year). No partial withdrawals.
Offer: Promo rate requires New Money and $1,000 minimum balance.
Promotional rate
Rate checked
More details - 3.75%APY$123 over 4 months on $10,000intro rate
Requirements
Product: ConnectOne Bank opens CDs as Time Deposits. IRA Time Deposits are not available online. Promotional rates subject to change without notice. Early withdrawal penalties may be imposed.
Offer: 4 Month Penalty-Free CD. No early withdrawal penalties imposed unless funds are withdrawn within 7 days of account opening (forfeits earned interest). Promotional rate.
Promotional rate · 3.68% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Minimum deposit is $500.00. Early withdrawal penalty is loss of one month's dividends plus loss of earnings that would have been earned in the quarter withdrawn.
Offer: Dividends are posted on a quarterly basis.
3.72% interest rate · Effective Nov 24, 2025
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
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.
3.68% interest rate · Effective Nov 25, 2025
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 New York
2,153 CDs at 282 banks and credit unions · checked Oct 16–23
- Typical
- 3.00%
- Top 10% from
- 4.05%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.05%
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
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch