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 301–315 results in New York
- 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Local 804 Federal Credit UnionShare CertificateCD · 36 months · $500 min · 2.27%–2.93% by balance
Credit union · 2 branches
2.93%APY$906 over 36 months on $10,000Requirements
Product: Minimum deposit of $500 required to open and earn stated APY. Membership eligibility includes members and employees of Local 804 IBT, Local 808 IBT, Local 447 IAMAW, and their families.
2.25% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $999 2.27% $1,000 – $3,999 2.52% $4,000 and upYour amount 2.93% Rate checked
More details - Penn South Federal Credit UnionCertificates of DepositCD · 60 months · $5,000 min
Credit union · 1 branch
2.79%APY$1,475 over 60 months on $10,000intro rateRequirements
Product: Certificates of Deposit are a Members only service. You must be 18 years of age to open an account. $50 par value per account holder minimum deposit required to open a Credit Union account ($100 for a joint account). Automatically rolled over for another term if not notified by maturity.
Offer: Limited time rate. Five years term. Minimum deposit $5,000.
Promotional rate · 2.75% interest rate · Effective Jan 2, 2017
Rate checked
More details - Twin Rivers Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · 1 branch
2.78%APY$857 over 36 months on $10,000Requirements
Product: A penalty may be imposed for early withdrawals from Certificates.
2.75% interest rate · Effective Mar 23, 2023
Rate checked
More details - 2.75%APY$275 over 1 year on $10,000intro rate
Requirements
Product: $500 minimum to open. Fixed rate. Early withdrawal penalties may apply and reduce earnings.
Promotional rate · 2.71% interest rate
Rate checked
More details - Williamsville Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · 1 branch
2.72%APY$551 over 24 months on $10,000Requirements
Product: Dividends are accrued from the term of the certificate and posted upon maturity. For all share certificates, a penalty will be imposed for early withdrawal. For Share Certificates with denominations of 5,000 to 10,000 plus, contact the Credit Union for additional rates. Members will forfeit dividends if the account is closed before accrued dividends are credited. No limit to the amount of Share Certificates you may own. No additional deposits allowed into an existing account.
2.20% interest rate · Balance cap $100,000 · Effective Oct 24, 2025
Rate checked
More details - Advantage Financial Federal Credit UnionCertificatesCD · 60 months · $500 min · 2.69%–2.79% by balance
Credit union · 2 branches
2.69%APY$1,419 over 60 months on $10,000Requirements
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.
2.65% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 2.69% $50,000 and upBonus Certificate rate tier 2.79% Rate checked
More details - Peoples Security Bank & TrustRelationship Certificates of DepositCD · 6 months · $1,000 min · 2.50%–3.30% by balance
Bank · 2 branches
2.50%APY$124 over 6 months on $10,000with conditionsRequirements
Product: Primary account holder must have at least one active consumer checking account with direct deposit, online banking, and a debit card. Minimum to open $1,000. APYs and interest rates accurate as of 2026-09-17.
Offer: Relationship CD: active consumer checking with direct deposit, online banking, and debit card.
Qualified rate · 2.48% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Relationship Certificates of Deposit Balance APY Up to $50,000Your amount 2.50% $50,000 – $100,000 2.95% $100,000 – $250,000 3.10% $250,000 – $1,000,000 3.30% Rate checked
More details - Affinity One Federal Credit UnionTerm Share CertificatesCD · 6–11 months · $1,000 min
Credit union · 2 branches
2.50%APYRequirements
Product: Minimum deposit of $1,000 for standard CD. Dividends compounded and credited monthly. Early withdrawal penalties may apply.
Rate checked
More details - Tonawanda Valley Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
2.50%APY$124 over 6 months on $10,000Requirements
Product: Dividends are paid on the last business day of the month as per certificate terms. Rates for new purchases change weekly. Minimum balance and deposit of $500.
2.50% interest rate
Rate checked
More details - Adirondack Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 3 branches
2.50%APY$250 over 1 year on $10,0002.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - Saratoga's Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 2 branches
2.50%APY$250 over 1 year on $10,000intro rateRequirements
Product: Calculations are based on interest accrued daily, paid and compounded monthly. $500 minimum deposit on certificates. Early withdrawal penalty applies (30 days dividends for 30 to 60 days certificates; 90 days dividends for all other certificates). Balances over $250,000 not insured by NCUSIF.
Offer: Promotional rate; new money required.
Promotional rate · 2.47% interest rate · Compounded monthly
Rate checked
More details - Academic Federal Credit UnionTraditional Share CertificateCD · 36 months · $5,000 min
Credit union · 1 branch
2.50%APY$769 over 36 months on $10,000Requirements
Product: Opened with an initial deposit; no further deposits or withdrawals permitted. Any term share falling below minimum required balance is charged a 90-day dividend penalty and closed.
2.47% interest rate
Rate checked
More details - Town of Hempstead Employees Federal Credit UnionFlex CertificateCD · 36–48 months · $1,000 min
Credit union · 2 branches
2.28%APYRequirements
Product: Minimum deposit of $1,000. Term 36 months to 48 months. Dividends are compounded and paid monthly.
2.25% interest rate · Effective Sep 1, 2026
Rate checked
More details - Plattsburgh City School District Federal Credit UnionShare CertificateCD · 10 months · $10,000 min
Credit union · 1 branch
2.02%APY$168 over 10 months on $10,000Requirements
Product: Rates subject to change. Please call 518-561-4510 for current rates.
2.00% interest rate · Effective January 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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