Best CD rates in New York

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.

Requirements

Offer: Youth certificate

Requirements

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.

Requirements

Product: 12-month certificate term. Restricted to one withdrawal in the 12-month period subject to a $25 early withdrawal penalty; more than one withdrawal closes account and forfeits prize entries/future prizes. If closed before maturity, all earned dividends will be forfeited. Each $25 deposit earns entry into prize drawings (up to 10 entries/month). Membership eligibility applies.

Requirements

Product: Minimum $1,000 certificate deposit. Rates on Average Daily Balance for the month. Annual Percentage Yield (APY*) assumes that the principal and interest are on deposit for one year at the same rate. All rates are subject to change without advance notice.

Offer: Early Withdrawal Penalty: 120 Days of Dividend. Minimum $1,000 certificate deposit.

Requirements

Product: Any amount of money, anytime!

Offer: Full

Requirements

Product: Maturity terms from 1-60 months. Interest compounded annually on CDs over one year. Automatic renewal. Penalty for early withdrawal. $1,000 minimum opening deposit.

Requirements

Offer: Months 21-30

Requirements

Product: Earns a monthly dividend.

Requirements

Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.

Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.

Requirements

Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.

Offer: Term: 6-11 Months. Balance tier: Less than $10,000.

Requirements

Product: Allows a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. Exclusively for USAA members. Early withdrawal penalty applies. Minimum initial deposit: $1,000 for Standard, $95,000 for Jumbo, $175,000 for Super Jumbo.

Offer: Standard CD, 3 years term.