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 256–270 results in New York
- 3.30%APY$164 over 6 months on $10,000
Requirements
Product: Personal accounts only. Requires a $10,000 minimum opening deposit. Interest is compounded daily, calculated on an actual/365 day basis, and paid at maturity. Early withdrawal subject to substantial penalty. For balances of $1,000,000 and above, speak to an account representative.
Offer: Valid on personal accounts only. Early withdrawal subject to substantial penalty.
3.25% interest rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000intro rate
Requirements
Product: Available to residents of California, New Jersey, New York, Texas, Nevada, Washington and Arizona. Must be opened online. Subject to early withdrawal penalty. Additional deposits cannot be made during the term.
Offer: Must be opened online. Interest is compounded daily and credited monthly.
Promotional rate · 3.25% interest rate · Compounded daily
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000with conditions
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.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Town of Hempstead Employees Federal Credit UnionCertificatesCD · 9 months · $1,000 min
Credit union · 2 branches
3.30%APY$246 over 9 months on $10,000Requirements
Product: Penalty is imposed for early withdrawal. Minimum deposit of $1,000. Dividends are compounded and paid monthly.
3.25% interest rate · Effective Sep 1, 2026
Rate checked
More details - Municipal Credit UnionDeposit Plus Share CertificateCD · 18 months · $250 min
Credit union · 15 branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Fixed-rate share certificate. Early withdrawal penalties apply.
Offer: Fixed rate. Additional deposits are allowed for the 18-month Deposit Plus Share Certificate.
3.25% interest rate · Effective Oct 16, 2026
Rate checked
More details - Municipal Credit UnionSecured Visa Share CertificateCD · 18 months · $300 min
Credit union · 15 branches
3.30%APY$499 over 18 months on $10,000Requirements
Product: Fixed-rate share certificate. Early withdrawal penalties apply.
Offer: Fixed rate. Additional deposits are allowed for the 18-month Secured Visa Share Certificate.
3.25% interest rate · Effective Oct 16, 2026
Rate checked
More details - Generations United Federal Credit UnionGU CertificatesCD · 18 months · $100 min
Credit union · 1 branch
3.30%APY$499 over 18 months on $10,000intro rateRequirements
Product: Minimum opening deposit required as per term tier. Additional deposit not allowed; withdrawals subject to early withdrawal penalties.
Offer: Min deposit $100. Term 18 months.
3.25% interest rate · Effective Oct 29, 2025
Rate checked
More details - 3.29%APY$81 over 3 months on $10,000
Requirements
Product: $100 minimum deposit required. Early withdrawal penalty may apply. HSA CDs are offered at the same rates as Certificates of Deposit. May reinvest interest, receive by check, or transfer to another account/financial institution.
Offer: Code A: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.25% interest rate
Rate checked
More details - TruNorthern Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · 4 branches
3.29%APY$163 over 6 months on $10,000Requirements
Product: Requires a minimum investment of $1,000.00. Early withdrawal penalties apply.
Offer: Requires a minimum investment of $1,000.00
3.25% interest rate · Effective Sep 8, 2023
Rate checked
More details - 3.29%APY$329 over 1 year on $10,000
Requirements
Product: Dividends are calculated on the average daily balance and paid quarterly. Additional Deposits are not allowed. Early withdrawal penalty is 90 days dividend. Certificates will automatically renew for another term upon maturity with a 10-day grace period to withdraw funds without penalty.
Offer: Compounded Quarterly
3.25% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate checked
More details - 3.29%APY$669 over 24 months on $10,000
Requirements
Product: Certificates of Deposit carry a penalty for early withdrawal. Minimum deposit/balance is $500. Fixed rates.
Offer: Certificates of Deposit carry a penalty for early withdrawal.
3.25% interest rate · Effective Jun 5, 2026
Rate checked
More details - Hudson River Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 4 branches
3.25%APY$161 over 6 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid on the last day of the quarter. Fees may reduce earnings. Penalties may apply for early withdrawal. Federally insured by NCUA.
Offer: Minimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly.
3.21% interest rate · Compounded quarterly
Rate checked
More details - Peapack Private Bank & TrustPersonal Certificates of Deposit (CDs)CD · 9 months · $500 min
Bank · 2 branches
3.25%APY$243 over 9 months on $10,000with conditionsRequirements
Offer: New money only. Interest paid monthly. 9 Month rolls into 182 day CD.
Qualified rate · 3.21% interest rate · Effective Oct 15, 2026
Rate checked
More details - Heritage Family Credit UnionTerm Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
3.25%APY$325 over 1 year on $10,000Requirements
Product: Membership required ($25 minimum share). Starting minimum deposit is $1,000. Early withdrawal penalties apply. Cash withdrawals may be limited to $2,000.00 per day.
3.20% interest rate · 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 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