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 346–360 results in New York
- Urban Upbound Federal Credit UnionShare CertificatesCD · 24 months · $750 min
Credit union · 2 branches
1.00%APY$201 over 24 months on $10,000Rate checked
More details - 1.00%APY$303 over 36 months on $10,000with conditions
Requirements
Product: Limit $99,999.99 per client. Penalty for early withdrawal/closing. Contact us for terms and rates on CDs $100,000.00 or greater.
Offer: Additional deposit relationship required.
Qualified rate · Balance cap $99,999.99 · Effective Jul 13, 2025
Rate checked
More details - Dannemora Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 5 branches
1.00%APY$510 over 60 months on $10,000Requirements
Product: DFCU Savings required to become a member. No setup or maintenance fees. Early withdrawals subject to penalty.
Effective Sep 19, 2025
Rate checked
More details - 0.95%APY$119 over 15 months on $10,000intro rate
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 15 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
Promotional rate · 0.95% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.90%APY$227 over 30 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 30 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.90% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.75%APY$382 over 60 months on $10,000
Requirements
Product: Minimum certificate deposit is $500.00. Dividends are compounded daily and posted/credited quarterly. Penalties apply for early withdrawal prior to certificate maturity.
0.75% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Westar Federal Credit UnionShare Certificate – Member Loyalty RatesCD · 48 months · $500 min
Credit union · 1 branch
0.70%APY$283 over 48 months on $10,000with conditionsRequirements
Product: Requires 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Minimum of $500, $250 for Star Savings. An early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed.
Offer: Member Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply.
Qualified rate
Rate checked
More details - UFirst Federal Credit UnionUFirst Certificate Share AccountCD · 48 months · $500 min · 0.60%–0.70% by balance
Credit union · 3 branches
0.65%APY$263 over 48 months on $10,000with conditionsRequirements
Product: No maintenance fees. $500 minimum deposit to open ($100 minimum for members 18 or younger). Maximum dollar amount is $90,000. Early withdrawal penalty applies. Dividends compound monthly. Eligible members may receive a Certificate Loyalty Perk rate bonus on regular certificates (does not apply to specials).
Offer: With draft (checking account).
Qualified rate · 0.60% interest rate
Rate by balance
Rate by balance for UFirst Certificate Share Account Balance APY $500 – $5,000 0.60% $5,000 – $10,000Your amount 0.65% $10,000 – $90,000 0.70% Rate checked
More details - 0.60%APY$120 over 24 months on $10,000
0.60% interest rate
Rate checked
More details - 0.60%APY$181 over 36 months on $10,000
Requirements
Product: No penalty will be imposed if withdrawal occurs after 18 months from opening date. Only one withdrawal permitted after the 18 month period. Penalties for early withdrawals apply.
0.60% interest rate · Effective Sep 24, 2026
Rate checked
More details - 0.60%APY$304 over 60 months on $10,000with conditions
Requirements
Product: A depositor must be enrolled in one of our reward programs to qualify. A penalty may be imposed for early withdrawal which could reduce the earnings on the account.
Offer: Interest compounds quarterly. Must be enrolled in one of our reward programs to qualify. Penalty may be imposed for early withdrawal.
Qualified rate · 0.60% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.60%APY$304 over 60 months on $10,000
Requirements
Product: Rate locked for term. Penalty for early withdrawal. CD can be renewed at maturity.
0.60% interest rate
Rate checked
More details - UFirst Federal Credit UnionSavings Builder Share Certificate AccountCD · 12 months · $10 min
Credit union · 3 branches
0.50%APY$50 over 1 year on $10,000with conditionsRequirements
Product: No maintenance fees. Fixed term of 12 months. $10 minimum to open. No partial withdrawals; if an early withdrawal is made, all dividends are lost in penalty. Does not renew at the end of the 12-month period but can be rolled into another savings or share certificate account. Each pay period requires a deposit of at least $10/weekly, $20/biweekly, or $40/monthly (automatic deposits via Direct Deposit). Limit to deposit is $2,500 per year.
Offer: With draft (checking account). Deposit limit of $2,500 per year; mandatory scheduled deposit each pay period ($10 weekly, $20 biweekly, or $40 monthly).
Qualified rate · 0.50% interest rate
Rate checked
More details - 0.50%APY$151 over 36 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 36 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.50%APY$202 over 48 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 48 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.50% interest rate · Effective Sep 17, 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
2,156 CDs at 282 banks and credit unions · checked Oct 22–23
- Typical
- 3.00%
- Top 10% from
- 4.08%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.10%
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
- Quorum Federal Credit UnionCredit union · 1 branch
- Ontario Shores FCUCredit union · 5 branches
- SJP Federal Credit UnionCredit union · 1 branch