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 Buffalo, NY metro
- 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 - 4.00%APY$299 over 9 months on $10,000intro rate
Requirements
Product: Traditional CDs designed to be a low-risk, fixed interest rate account with a set maturity date. Flexible terms ranging from 3 months to 10 years, low minimum deposit requirements, flexible interest payment options, and automatic renewals. Interest is calculated on the daily ledger balance and compounded & credited quarterly. Early withdrawal penalties apply, and fees may reduce earnings.
Offer: Special offer accurate as of September 18, 2026. Fixed interest rate of 3.94% (4.00% APY). $5,000 minimum balance required to open the account and obtain advertised APY. Cannot be combined with any other offers. Auto-renews at 12-month term at current rate. Penalties apply for early withdrawal.
Promotional rate · 3.94% interest rate
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Interest compounds quarterly and is credited quarterly. Minimum deposit for terms less than 3 months is $2,500; minimum deposit for terms 3 months and greater is $1,000. Minimum daily balance to obtain stated APY is $1,000. Penalty for early withdrawal. Fees may reduce earnings.
Offer: NEW CD Special. Account balance may not exceed $1,000,000 with the exception of future interest payments. Valid for personal and nonprofit clients only. Early withdrawal penalty applies.
3.94% interest rate · Balance cap $1,000,000 · Effective Sep 21, 2026
Rate checked
More details - AFGM Enterprises Federal Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Membership and eligibility required. Dividends paid at maturity. Auto Rollover Certificates are subject to early withdrawal penalties.
Offer: Dividends paid at maturity. Auto Rollover Certificates are subject to early withdrawal penalties.
Rate checked
More details - Buffalo Conrail Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
3.85%APY$191 over 6 months on $10,000Requirements
Product: Membership eligibility requirements apply. Dividends on certificate accounts are compounded/credited at maturity. Rates subject to change at any time without notice.
Offer: Dividends on certificate accounts are compounded/credited at maturity.
Rate checked
More details - Cornerstone Community Federal Credit UnionShare CertificateCD · 9 months · $500 min
Credit union · 7 branches
3.85%APY$287 over 9 months on $10,000Requirements
Product: Minimum balance to open certificate and earn APY is $500. Early withdrawal penalties apply. Fees may reduce earnings. For terms of 2 years or more under Unlock with the Rock, the early withdrawal penalty is the smaller of dividends since issuance/renewal or 30 days dividends.
Offer: 9 month certificate term.
3.78% interest rate · Effective Sep 9, 2026
Rate checked
More details - 3.85%APY$385 over 1 year on $10,000
Requirements
Product: Dividends credited quarterly with dividends available at maturity. Early withdrawal penalty may be up to 90 days interest.
Offer: Early withdrawal will result in penalty fees of up to 90 days interest.
3.79% interest rate
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - 3.82%APY$1,618 over 48 months on $10,000
3.75% interest rate · Effective Feb 15, 2026
Rate checked
More details - Cadets Federal Credit UnionShare Certificate AccountsCD · 48 months · $1,000 min · 3.80%–4.06% by balance
Credit union · 2 branches
3.80%APY$1,610 over 48 months on $10,000Requirements
Product: Dividends are compounded quarterly and credited quarterly (or at maturity). Penalties may be imposed for early withdrawal. Rates calculated using average daily balance.
Offer: 9-Month Penalty for Early Withdrawal
3.75% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.80% $50,000 – $99,999 3.93% $100,000 – $250,000 4.06% Rate checked
More details - 3.75%APY$92 over 3 months on $10,000intro rate
Requirements
Product: Minimum deposit to open is $1,000.00. Dividends paid at maturity. APY is based on assumption interest remains in account until maturity. Early withdrawal penalty applies (3 months of dividends for terms less than 1 year, 6 months for terms more than 1 year). No partial withdrawals.
Offer: Promo rate requires New Money and $1,000 minimum balance.
Promotional rate
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Minimum deposit is $500.00. Early withdrawal penalty is loss of one month's dividends plus loss of earnings that would have been earned in the quarter withdrawn.
Offer: Dividends are posted on a quarterly basis.
3.72% interest rate · Effective Nov 24, 2025
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.
3.68% interest rate
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Offer: Dividend Paid at Maturity
3.75% interest rate · Balance cap $500,000 · Effective Sep 30, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Buffalo, NY metro
359 CDs at 52 banks and credit unions · checked Oct 16–22
- Typical
- 2.87%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches