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 241–255 results in New York
- 3.50%APY$1,087 over 36 months on $10,000
Requirements
Product: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply. All rates are subject to change without prior notice.
Offer: Minimum to earn disclosed APY is $500. Early withdrawal penalties may apply.
3.44% interest rate
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Offer: Early withdrawal penalty applies. Dividends compound daily.
3.44% interest rate · Effective Oct 9, 2026
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Membership open to any person who lives, works, worships, or goes to school in Erie County, New York. Early withdrawal penalties apply except for monthly interest withdrawals. Interest is compounded and credited monthly.
3.40% interest rate · Effective May 11, 2026
Rate checked
More details - Cooperative Federal Credit UnionMember CertificatesCD · 13 months · $4,000 min · 3.45%–3.65% by balance
Credit union · 3 branches
3.45%APY$374 over 13 months on $10,000Requirements
Product: Dividends compounded and credited monthly and at maturity. Early withdrawal penalty may be imposed. Fees could reduce earnings. Special certificates roll over to regular certificate with closest term at maturity. Insured by NCUA up to $250,000.
Offer: At maturity, Special Certificates roll over to a regular Certificate with the closest term.
Effective Apr 2, 2026
Rate by balance
Rate by balance for Member Certificates Balance APY $4,000 and upYour amount 3.45% $50,000 and up 3.50% $100,000 and up 3.60% $245,000 and up 3.65% Rate checked
More details - 3.45%APY$522 over 18 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 18-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.43%APY$519 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Automatically renews at term end with a 7-day grace period. No monthly maintenance fees.
3.38% interest rate
Rate checked
More details - Gouverneur Savings & Loan AssociationCertificates of DepositCD · 12 months · $1,000 min
Bank · 4 branches
3.41%APY$341 over 1 year on $10,000Requirements
Product: Terms: 6, 12, 15, 24, 36 & 48 months. 36 & 48-month terms receive a one-time bump-up option. Early withdrawal subject to penalty.
Offer: Deposit requirement as indicated. Early withdrawal penalty may apply.
3.35% interest rate · Effective Jul 30, 2026
Rate checked
More details - Cattaraugus County BankCertificate of DepositCD · 6 months · $1,000 min · 3.30%–3.60% by balance
Bank · 7 branches
3.40%APY$169 over 6 months on $10,000intro rateRequirements
Product: Available in terms from 6 months to 4 years. Early withdrawal penalties apply. Fixed rates during length of term. CD Specials automatically renew into standard CDs at maturity.
Offer: 6 Month CD Special. Limited time offer. At maturity renews into standard CD of same term. Penalty for early withdrawal.
Promotional rate · 3.25% interest rate · Effective Feb 9, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 3.30% $10,000 – $50,000Your amount 3.40% $50,000 – $100,000 3.50% $100,000 – $250,000 3.60% Rate checked
More details - 3.40%APY$340 over 1 year on $10,000
Requirements
Product: No monthly maintenance fees or service charges. Minimum deposit of $1,000 required for traditional CDs. Available in passbook, paper statement or electronic format. Early withdrawal penalty may apply.
Offer: Relationship Certificates must be accompanied by an active checking account (completes 3 or more transactions per month).
3.30% interest rate · Effective Sep 30, 2026
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More details - 3.40%APY$340 over 1 year on $10,000
3.40% interest rate · Balance cap $249,999.99 · Effective Sep 25, 2026
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More details - 3.40%APY$340 over 1 year on $10,000
Requirements
Product: Minimum certificate deposit: $1,000.
Rate checked
More details - Solutions Credit UnionCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Credit union · 1 branch
3.34%APY$166 over 6 months on $10,000Requirements
Product: Opening balance of $1,000 required.
Offer: 6-month term.
3.30% interest rate
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More details - 3.34%APY$334 over 1 year on $10,000
Requirements
Product: Penalties for early withdrawal.
3.30% interest rate · Effective Sep 30, 2026
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More details - 3.31%APY$501 over 18 months on $10,000with conditions
Requirements
Product: Rate includes a 0.10% (10 basis points) Justice National Account (JNA) or Beyond the Badge Checking Account relationship rate increase on new and renewed certificate accounts. Certificate rate increase effective by end of day on date of opening or renewal. Accounts must be under the same Member Number. Relationship rate will be reduced to original dividend rate for remainder of term if checking account is closed. Penalty for early withdrawal: 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms of 13 months or more.
Offer: Relationship rate includes 0.10% boost.
Qualified rate · 3.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - CCSE Federal Credit UnionShare Certificate (Certificate of Deposit)CD · 24 months · $1,000 min
Credit union · 1 branch
3.30%APY$671 over 24 months on $10,000Requirements
Product: $1,000 minimum balance to earn interest. 12, 24, 36, 48, and 60 month terms are available. 90-365 Days interest penalty for early withdrawal (depending on term). All rates subject to change without notice.
Offer: Early withdrawal penalty: 90 days interest.
3.25% interest rate · Effective Jul 1, 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%
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