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 121–135 results in New York
- 4.00%APY$265 over 8 months on $10,000
Requirements
Product: Assumes dividends remain in certificate until maturity. Withdrawals and fees could reduce earnings. Penalties may be imposed for early withdrawal; penalty-free withdrawals for tuition and home purchases only. Rate-increase feature applies if rate rises within 5 calendar days of opening (only once). At renewal, certificate earns the rate on the day of maturity.
3.87% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$299 over 9 months on $10,000intro rate
Requirements
Product: Traditional CDs designed to be a low-risk, fixed interest rate account with a set maturity date. Flexible terms ranging from 3 months to 10 years, low minimum deposit requirements, flexible interest payment options, and automatic renewals. Interest is calculated on the daily ledger balance and compounded & credited quarterly. Early withdrawal penalties apply, and fees may reduce earnings.
Offer: Special offer accurate as of September 18, 2026. Fixed interest rate of 3.94% (4.00% APY). $5,000 minimum balance required to open the account and obtain advertised APY. Cannot be combined with any other offers. Auto-renews at 12-month term at current rate. Penalties apply for early withdrawal.
Promotional rate · 3.94% interest rate
Rate checked
More details - St. Pius Federal Credit UnionShare CertificatesCD · 9 months · $500 min · 4.00%–4.10% by balance
Credit union · 1 branch
4.00%APY$299 over 9 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Membership subject to eligibility.
3.92% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 4.00% $100,000 and upJumbo 4.10% Rate checked
More details - BSNB, Coxsackie Bank DivisionPersonal Certificates of Deposits (CDs)CD · 9 months · $500 min
Bank · 21 branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Promotional CD products automatically renew to a non-promotional CD product upon maturity. Early withdrawal penalties may be imposed and reduce earnings.
Offer: 9 month special. Minimum to open account and earn interest is $500. Automatically renews to a non-promotional CD product.
Promotional rate · 3.96% interest rate · Effective Aug 21, 2026
Rate checked
More details - 4.00%APY$332 over 10 months on $10,000intro rate
Requirements
Product: Minimum balance of $500 required to open and earn interest. Membership eligibility applies. Early withdrawal fee applies if funds are accessed prior to maturity. Funds roll over into the same or most similar term at maturity unless specified at account opening.
Offer: Promotional Rate
Promotional rate · 3.93% interest rate
Rate checked
More details - 4.00%APY$366 over 11 months on $10,000intro rate
Requirements
Product: $500 minimum balance/opening deposit. Full balance withdrawal permitted penalty-free beginning 7 days after funding date (no partial withdrawals; account will be closed upon withdrawal). No additional deposits permitted once balance reaches $500. 10-Day CD Rate Guarantee applies. Maximum balance limits apply.
Offer: $500 minimum to earn stated APY. Withdrawal of full balance permitted starting 7 days after funding date. Maximum balance limits apply.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$366 over 11 months on $10,000with conditions
Requirements
Product: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits. Early withdrawal penalty may apply. Limited time offer.
Offer: Requires an LNB qualifying checking account with direct deposit of full paycheck from employer, pension, or government benefits.
Qualified rate · Effective Sep 1, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Interest compounds quarterly and is credited quarterly. Minimum deposit for terms less than 3 months is $2,500; minimum deposit for terms 3 months and greater is $1,000. Minimum daily balance to obtain stated APY is $1,000. Penalty for early withdrawal. Fees may reduce earnings.
Offer: NEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies.
3.94% interest rate · Balance cap $1,000,000 · Effective Sep 21, 2026
Rate checked
More details - State CS Employees Federal Credit UnionLucky Savers CertificateCD · 12 months · $25 min
Credit union · 2 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Special 12-month certificate account. Every $25 deposit made (up to $250 per month) gives a chance to win monthly and quarterly cash prizes (up to 10 chances per month). Additional deposits permitted throughout the term. Dividends compounded and credited monthly. Early withdrawal penalty may reduce earnings.
3.93% interest rate · Effective Aug 27, 2026
Rate checked
More details - Great Meadow Federal Credit UnionShared CertificatesCD · 12 months · $500 min
Credit union · 4 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Membership eligibility required. Dividends compounded at maturity. Early withdrawal forfeits earned dividends while principal balance remains intact.
Offer: Dividends compounded at maturity. Early withdrawal forfeits earned dividend.
Effective Sep 1, 2026
Rate checked
More details - AFGM Enterprises Federal Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Membership and eligibility required. Dividends paid at maturity. Auto Rollover Certificates are subject to early withdrawal penalties.
Offer: Dividends paid at maturity. Auto Rollover Certificates are subject to early withdrawal penalties.
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Minimum $500 to open account and maintain daily to obtain the disclosed APY. Maximum deposit to open is $1,000,000. Must be a U.S. Citizen and 18 years or older. Early withdrawals before maturity date are subject to penalties.
Offer: Must maintain a minimum balance of $500.00 each day to obtain disclosed APY. Maximum deposit to open is $1,000,000. Penalties apply for early withdrawal.
3.92% interest rate · Effective Sep 24, 2026
Rate checked
More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 4 branches
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Interest is compounded daily and paid at maturity. Early withdrawal penalty applies.
Offer: Early withdrawal penalties may apply. Interest compounded daily and paid at maturity.
3.92% interest rate · Compounded daily · Balance cap $100,000 · Effective Jun 30, 2026
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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