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 361–375 results in New York
- 0.50%APY$202 over 48 months on $10,000
Requirements
Product: Rates effective since 08/12/2020; subject to change without notice. Penalty for early withdrawal applies.
Offer: 4 Year term; early withdrawal penalty applies.
0.50% interest rate · Effective Aug 12, 2020
Rate checked
More details - 0.50%APY$253 over 60 months on $10,000with conditions
Requirements
Product: A penalty may be imposed on all savings certificates for early withdrawal, which could reduce the earnings on the account.
Offer: Interest compounds quarterly. A penalty may be imposed for early withdrawal.
Qualified rate · 0.50% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.50%APY$253 over 60 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 60 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$355 over 84 months on $10,000
Requirements
Product: Fees could reduce earnings. Penalties for early withdrawal on CDs may apply.
0.50% interest rate
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More details - 0.45%APY$227 over 60 months on $10,000with conditions
Requirements
Offer: Full Service Members
Qualified rate · 0.45% interest rate
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More details - 0.40%APY$161 over 48 months on $10,000
Requirements
Product: Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.
0.40% interest rate · Compounded daily
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More details - 0.30%APY$45 over 18 months on $10,000
Requirements
Product: Early withdrawal penalties: 3 months' interest for terms less than 1 year, 6 months' interest for terms 1 year or more. Automatic renewal at maturity with 10 grace days.
0.30% interest rate · Effective Oct 1, 2026
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More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Offer: Minimum balance $500.00. Early withdrawal penalty is 30 days dividends.
Effective Jul 15, 2025
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More details - ATT-WYO CE Federal Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
0.25%APY$25 over 1 year on $10,000Requirements
Offer: Minimum $1,000.00
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More details - 0.25%APY$75 over 36 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. $1,000 minimum to open account and earn APY.
0.25% interest rate · Effective Sep 30, 2026
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More details - 0.25%APY$100 over 48 months on $10,000
Requirements
Product: 48-month CD maturing exactly 48 months from opening or renewal. Interest compounded monthly and credited month-end and at maturity. Features a one-time option to change current rate to a higher rate if rates change during the 48-month period. Annual statement provided.
Offer: One-time option to change the current rate to a higher rate if rates change during the 48-month period.
0.25% interest rate · Compounded monthly · Effective Sep 29, 2026
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More details - 0.20%APY$22 over 13 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 13 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.20% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.20%APY$100 over 60 months on $10,000intro rate
Requirements
Product: Minimum opening deposit and balance to obtain APY is $500. Guaranteed APY for the initial 6 months of the 24-month term or 12 months of the 60-month term. Thereafter, ESL may call the certificate once every six months; if not called, the original APY remains fixed for each six-month period. Early withdrawal penalty is 180 days of dividends.
Offer: Guaranteed APY for the initial 12 months, after which ESL may call the certificate once every 6 months.
Promotional rate · 0.20% interest rate
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More details - 0.15%APY$7 over 6 months on $10,000
Requirements
Offer: Youth certificate
0.15% interest rate · Effective Oct 5, 2026
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More details - First New York Federal Credit UnionLucky Savers Share CertificateCD · 12 months · $25 min
Credit union · 9 branches
0.15%APY$15 over 1 year on $10,000Requirements
Product: Available to eligible First New York members age 18 and older with accounts in good standing. Business, trust, and participating institution employee accounts are not eligible to win prizes. Prize period runs from October 1, 2026 until September 30, 2027. Earn one prize drawing entry for every $25 deposited up to $250/month (up to 10 chances per month). Initial deposit of $25 required to open; additional deposits can be made throughout the term. All deposits mature 12 months after initial deposit date. Dividends compounded monthly. Early withdrawal penalty may apply.
Offer: Prize period runs from October 1, 2026 until September 30, 2027. Business and trust accounts, as well as employee accounts from any participating institution, are not eligible to win prizes. An initial deposit of $25 is required to open and additional deposits can be made throughout the term. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit was made. A penalty for early withdrawal may apply. The APY is subject to change without notice. Rates set weekly. Dividends compounded monthly. Official rules at www.savetowin.org.
0.15% interest rate · Compounded monthly · Effective Oct 16, 2026
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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%
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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