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 181–195 results in New York
- 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Available online in states where Woori America Bank branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Pays simple interest credited at maturity (interest is not compounded). Automatically renews at maturity. Penalty will or may be imposed for early withdrawal.
Offer: Fixed interest rate applied until maturity. Pays simple interest credited at maturity. No monthly maintenance fee.
Effective Mar 27, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: Minimum opening balance is $1,000 for terms less than 45 days (31-day term) and $500 for terms greater than 45 days. Compounding frequency is quarterly for 3-month to 120-month terms and none for the 31-day term. Early withdrawal penalties apply.
3.70% interest rate
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
3.68% interest rate · Effective Dec 18, 2025
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: New money required. $500 minimum balance to obtain APY and to open. Early withdrawal penalty equals 3 months of interest. Automatically renews at maturity to 7 month CD at prevailing rate with a 7-day grace period. Additional deposits of new money permitted.
Offer: Requires new money. Must deposit $500.00 to open and maintain a daily balance of $500.00 each day to obtain disclosed APY. Early withdrawal penalty equals 3 months of interest. Automatically renews at maturity to 7 month CD with a 7-day grace period.
Promotional rate · 3.63% interest rate · Effective Dec 20, 2025
Rate checked
More details - 3.75%APY$280 over 9 months on $10,000with conditions
Requirements
Product: Early withdrawal penalties apply. APY for CDs one year or more are based on quarterly interest.
Offer: Relationship/New Money special: Valid on new money not currently on deposit with 1st National Bank of Scotia, or for depositors who maintain an active deposit account or loan relationship. Reverts to 6-month CD at maturity. Rate guaranteed for 9 months from opening date.
Qualified rate · 3.73% interest rate · Effective Oct 1, 2026
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More details - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: Early withdrawal penalties apply on CD accounts. Guaranteed fixed rate of return for the entire term.
Offer: 9 Month CD term.
3.63% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.75%APY$280 over 9 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 9 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.69% interest rate · Effective Sep 25, 2026
Rate checked
More details - Community Resource Federal Credit UnionShare CertificateCD · 9 months · $500 min
Credit union · 2 branches
3.75%APY$280 over 9 months on $10,000Requirements
Product: Minimum to open and obtain APY is $500. Early withdrawal penalty applies. Dividends compounded and posted monthly. Share certificates automatically renew at maturity.
Offer: Dividends compounded and posted monthly. Early withdrawal penalty applies.
3.69% interest rate
Rate checked
More details - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.
3.68% interest rate
Rate checked
More details - 3.75%APY$343 over 11 months on $10,000intro rate
Requirements
Product: Membership open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, and immediate family members. $5 deposit into a Share Savings Account required. A penalty may be charged for early withdrawal.
Offer: Standard rate without $5,0000 deposit in new money.
Promotional rate
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: No minimum initial deposit required. Additional deposits may be made at any time up until maturity through direct deposit, online banking, phone, or in a branch. Early withdrawal penalty is 180 days of dividends. Automatically renews at maturity.
3.70% interest rate · Effective Sep 22, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Offer: Dividend Paid at Maturity
3.75% interest rate · Balance cap $500,000 · Effective Sep 30, 2026
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More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum balance requirement: $500. Penalty for early withdrawal.
Offer: 12 month term. Early withdrawal penalty: 60 days loss of dividends.
3.70% interest rate · Effective Aug 19, 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
2,153 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%
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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