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.
Top CD rates
Showing 16–30 results in Albany, NY metro
- 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
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$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 - 3.70%APY$183 over 6 months on $10,000
Requirements
Product: Minimum investment of $500.00 ($10,000.00 for 9 Months Special). Maximum investment of $100,000.00 per account. Early withdrawal penalties may apply.
3.70% interest rate · Balance cap $100,000 · Effective Sep 29, 2026
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More details - 3.60%APY$178 over 6 months on $10,000
3.54% interest rate · Effective Oct 5, 2026
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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
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - Hudson River Community Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 2 branches
3.25%APY$161 over 6 months on $10,000Requirements
Product: Dividends are compounded quarterly and paid on the last day of the quarter. Fees may reduce earnings. Penalties may apply for early withdrawal. Federally insured by NCUA.
Offer: Minimum to open and obtain APY is $500 Deposit. Dividends compounded quarterly.
3.21% interest rate · Compounded quarterly
Rate checked
More details - Heritage Family Credit UnionTerm Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
3.25%APY$325 over 1 year on $10,000Requirements
Product: Membership required ($25 minimum share). Starting minimum deposit is $1,000. Early withdrawal penalties apply. Cash withdrawals may be limited to $2,000.00 per day.
3.20% interest rate · Effective Oct 22, 2026
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More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Minimum deposit to open is $500 by check or cash deposit. A penalty for early withdrawal is three months of interest. Dividends are paid/compounded monthly. Additional deposits not allowed; withdrawals allowed subject to early withdrawal penalties; automatically renewable.
Offer: Fixed Rate; Dividends Compounding & Crediting Monthly; Dividend Period Account Term; Additional Deposits Not Allowed; Automatic Renewal.
3.25% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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 - Advantage Financial Federal Credit UnionCertificatesCD · 60 months · $500 min · 2.69%–2.79% by balance
Credit union · 1 branch
2.69%APY$1,419 over 60 months on $10,000Requirements
Product: Dividends are fixed for the term of the certificate, declared, compounded and paid monthly based on average daily balance. Early withdrawal penalties may apply. No setup or maintenance fees.
2.65% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 2.69% $50,000 and upBonus Certificate rate tier 2.79% Rate checked
More details - Saratoga's Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 2 branches
2.50%APY$250 over 1 year on $10,000intro rateRequirements
Product: Calculations are based on interest accrued daily, paid and compounded monthly. $500 minimum deposit on certificates. Early withdrawal penalty applies (30 days dividends for 30 to 60 days certificates; 90 days dividends for all other certificates). Balances over $250,000 not insured by NCUSIF.
Offer: Promotional rate; new money required.
Promotional rate · 2.47% interest rate · Compounded monthly
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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 Albany, NY metro
259 CDs at 27 banks and credit unions · checked Oct 16–22
- Typical
- 2.25%
- Top 10% from
- 3.75%
- Banks, typical
- 0.35%
- Credit unions, typical
- 3.00%
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Find your bank or credit union to see all its rates and how they compare near you.
Albany, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sunmark Credit UnionCredit union · 14 branches
- TCT FCUCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch