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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–5 results in Amsterdam, NY metro
- Sidney FCURegular CertificatesCD · 15 months · $500 min · 4.75%–5.00% by balance
Credit union · 1 branch
4.75%APY$597 over 15 months on $10,000Requirements
Product: Effective as of October 16, 2026. Dividends calculated by average daily balance. Variable Rate Certificates: rates only change upon written request (1 change for 12-month, 2 changes for 24/36-month). Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Withdrawals, deposits, or change of terms penalty-free within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.
Offer: Fixed Rate - Special. Minimum balance to open $500.
4.65% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $500 and upYour amount 4.75% $250,000 and up 5.00% Rate checked
More details - Broadview Federal Credit UnionFixed Rate CertificatesCD · 7 months · $500 min
Credit union · 1 branch
4.40%APY$254 over 7 months on $10,000with conditionsRequirements
Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).
Offer: Special promotional offer valid through 11/06/2026. Once the 7-month certificate matures, the funds will roll into a 6-month certificate and all terms and conditions of the new certificate will apply.
Qualified rate · 4.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$132 over 4 months on $10,000intro rate
Requirements
Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.
Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.
Promotional rate · 3.93% interest rate · Effective Jan 5, 2026
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 - 3.30%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
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 Amsterdam, NY metro
25 CDs at 5 banks and credit unions · checked Oct 16–17
- Typical
- 3.40%
- Top 10% from
- 4.00%
- Banks, typical
- 3.56%
- Credit unions, typical
- 3.40%
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Amsterdam, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Broadview Federal Credit UnionCredit union · 1 branch