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 286–300 results in New York
- 3.05%APY$619 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal. Rates guaranteed fixed for length of term. Automatic interest earnings transfer capabilities and automatic CD renewal available.
Offer: Minimum average daily balance to avoid fees is $0. Term of 2 Years.
Effective Sep 1, 2026
Rate checked
More details - 3.05%APY$1,277 over 48 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.05%APY$618 over 24 months on $10,000
Requirements
Product: Dividends compounded and credited quarterly. Minimum opening deposit $1000.00; minimum average daily balance of $1000.00 required to obtain disclosed APY. Early withdrawal penalty applies (greater of 7 days dividends or all dividends earned). Automatic renewal at maturity with a 10 calendar day grace period.
3.00% interest rate · Effective Dec 31, 2023
Rate checked
More details - Alternatives Federal Credit UnionShare CertificatesCD · 3 months · $500 min
Credit union · 2 branches
3.04%APY$75 over 3 months on $10,000Requirements
Product: Penalty for early withdrawal (for 3-18 month terms, penalty is 90 days earned dividends; for 24-60 month terms, penalty is 180 days earned dividends). Automatically renews at maturity. No setup or maintenance fees.
3.00% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.04%APY$617 over 24 months on $10,000intro rate
Requirements
Product: Dividends are paid monthly. A penalty may be imposed for early withdrawal (equivalent of up to 90 days loss of dividends) on Share Certificate accounts.
Promotional rate · 3.00% interest rate · Effective Feb 1, 2024
Rate checked
More details - 3.04%APY$1,615 over 60 months on $10,000
Requirements
Product: Interest is compounded monthly and credited at month-end and at maturity. Early withdrawal penalty may apply. Quarterly statements provided.
3.00% interest rate · Compounded monthly · Effective Sep 29, 2026
Rate checked
More details - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 4 branches
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
Rate checked
More details - 3.00%APY$74 over 3 months on $10,000
Requirements
Product: $500 minimum opening deposit unless otherwise noted. Early withdrawal penalties may apply.
Offer: Promotional rate. Subject to change at any time. Early withdrawal penalties may apply.
2.92% interest rate · Effective Oct 3, 2026
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More details - 3.00%APY$99 over 4 months on $10,000
2.96% interest rate · Effective Sep 1, 2026
Rate checked
More details - Lockport Schools & Community Federal Credit UnionShare CertificateCD · 6 months
Credit union · 1 branch
3.00%APY$149 over 6 months on $10,000Requirements
Product: Dividends are compounded on the average daily balance after meeting a minimum account balance paid quarterly. Accounts are insured up to $250,000 by NCUA.
3.00% interest rate · Effective Sep 30, 2026
Rate checked
More details - Adirondack Federal Credit UnionNew Money Share Certificate SpecialCD · 12 months · $5,000 min
Credit union · 3 branches
3.00%APY$300 over 1 year on $10,000intro rateRequirements
Product: Valid for new funds not currently held at AFCU. $5,000 minimum balance requirement. Penalties may apply for early withdrawals. Existing share balances cannot be used. Rollovers occur at the one-year share certificate rate in effect as of the rollover date. Membership eligibility required. Offer ends 11/31/26.
Offer: Valid for new funds only. Offer ends 11/31/26.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Automatic renewal at end of term.
Offer: Dividends compound quarterly; a penalty will be imposed for early withdrawals.
Effective Oct 1, 2025
Rate checked
More details - Affinity One Federal Credit Union12 Month CD SpecialCD · 12 months · $5,000 min
Credit union · 2 branches
3.00%APY$300 over 1 year on $10,000intro rateRequirements
Product: Promotional certificate. Subject to end at any time without notice.
Offer: Promo only. Minimum deposit of $5,000 required (note: page 17 line 24 also references $1,000 minimum). Subject to end at any time without notice.
Promotional rate · 3.00% interest rate
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000intro rate
Requirements
Product: A penalty may be imposed for early withdrawal. Cannot be combined with any other offer. Subject to cancellation without prior notice.
Offer: Cannot be combined with any other offer. Subject to cancellation without prior notice. Early withdrawal penalty may apply.
Promotional rate · Effective Dec 12, 2022
Rate checked
More details - 3.00%APY$609 over 24 months on $10,000
Requirements
Product: Term share certificates pay higher dividends than most traditional savings accounts. Rates are subject to change without notice. Fees could reduce account dividend earnings.
Offer: $2,500 Minimum To Open
3.00% interest rate
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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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