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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location
In New York, NY-NJ metro

Top CD rates

Showing 1–15 results in New York, NY-NJ metro

  1. Top Carrot, Carrot Score 95
    E*TRADE from Morgan StanleyCertificates of DepositCD · 12 months · $0 min

    Bank · 1 branch

    4.75%APY$475 over 1 year on $10,000intro rate
  2. Top Carrot, Carrot Score 98
    BTG Pactual Bank, National AssociationOnline CDCD · 12 months · $500 min

    Bank · 1 branch

    4.50%APY$450 over 1 year on $10,000intro rate
  3. Top Carrot, Carrot Score 97
    USALLIANCE FinancialFixed Rate Certificate AccountsCD · 12 months · $500 min

    Credit union · 3 branches

    4.50%APY$450 over 1 year on $10,000intro rate
  4. Top Carrot, Carrot Score 99
    Quorum Federal Credit UnionCertificate AccountCD · 12 months · $100 min

    Credit union · 1 branch

    4.50%APY$450 over 1 year on $10,000
  5. HSBC USANew Money Certificate of Deposit (CD)CD · 12 months · $1,000 min

    Bank · 8 branches

    4.40%APY$440 over 1 year on $10,000with conditions
  6. Top Carrot, Carrot Score 96
    Marcus by Goldman SachsHigh-Yield CDCD · 12 months · $500 min

    Bank · 1 branch

    4.40%APY$440 over 1 year on $10,000
  7. City National BankPersonal Certificates of DepositCD · 12 months · $2,500 min

    Bank · 6 branches

    4.39%APY$439 over 1 year on $10,000intro rate
  8. Pacific National BankCertificates of DepositCD · 12 months

    Bank · 1 branch

    4.35%APY$435 over 1 year on $10,000intro rate
  9. The Bank of Princeton12-Month 4.25% Cranbury CD PromotionCD · 12 months

    Bank · 13 branches

    4.34%APY$434 over 1 year on $10,000intro rate
  10. Top Carrot, Carrot Score 89
    Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min

    Bank · 136 branches

    4.30%APY$430 over 1 year on $10,000intro rate
  11. HSBC USAOnline Certificate of Deposit (CD)CD · 12 months · $1,000 min

    Bank · 8 branches

    4.30%APY$430 over 1 year on $10,000with conditions
  12. HSBC USAWealth Center/Telephone Deposit Account CDsCD · 12 months · $1,000 min

    Bank · 8 branches

    4.30%APY$430 over 1 year on $10,000
  13. Top Carrot, Carrot Score 89
    CitiCertificate of DepositCD · 12 months · $500 min

    Bank · 219 branches

    4.25%APY$425 over 1 year on $10,000
  14. Top Carrot, Carrot Score 88
    Ocean Financial Federal Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 4 branches

    4.25%APY$425 over 1 year on $10,000
  15. Empire State BankCertificate of DepositCD · 12 months · $1,000 min

    Bank · 5 branches

    4.25%APY$425 over 1 year on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.

What 1-year CDs pay in New York, NY-NJ metro

189 CDs at 156 banks and credit unions · checked Oct 16–22

Typical
3.21%
Top 10% from
4.21%
Banks, typical
3.40%
Credit unions, typical
3.17%

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New York, NY-NJ metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Quorum Federal Credit UnionCredit union · 1 branch
  2. BTG Pactual Bank, National AssociationBank · 1 branch
  3. USALLIANCE FinancialCredit union · 3 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate