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 31–45 results in Buffalo, NY metro
- 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 - 3.71%APY$1,998 over 60 months on $10,000intro rate
Requirements
Product: Deposit a minimum of $500. Dividends paid at maturity. Substantial penalty will be imposed for early withdrawal prior to maturity.
Offer: Dividends paid at maturity. Substantial penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Jun 1, 2026
Rate checked
More details - CrossRoads Community Federal Credit UnionTerm Share CertificateCD · 60 months · $1,000 min
Credit union · 1 branch
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Dividends are compounded and credited to account quarterly. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. Rates may change daily due to market conditions.
3.55% interest rate · Effective Feb 27, 2026
Rate checked
More details - Griffith Institute Employees Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.56%APY$356 over 1 year on $10,000intro rateRequirements
Product: Must be an employee of Griffith Institute or eligible family member (spouse, child, parent) and purchase a $5.00 share plus pay a one-time $1.00 fee to maintain membership. Minimum opening deposit of $1,000.00.
Offer: Certificate special
Promotional rate · 3.50% interest rate
Rate checked
More details - Great Erie Federal Credit UnionTerm Share Certificate AccountsCD · 6 months · $1,000 min
Credit union · 3 branches
3.55%APY$176 over 6 months on $10,0003.50% interest rate
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More details - 3.55%APY$1,103 over 36 months on $10,000
Requirements
Product: Guaranteed fixed quarterly dividends. Substantial penalty for early withdrawal. Fees may reduce earnings on account. Membership required (enrolled member or employee of Seneca Nation of Indians or affiliates, or immediate family/household).
3.50% interest rate
Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: Special one-year Lucky Saver Share Certificate with chances to win $5,000 quarterly prizes plus monthly cash prizes. Minimum deposit is $25.00. 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.
3.45% interest rate · Effective Nov 24, 2025
Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: Terms available from 30 days to 4 years. Fixed rates. Early withdrawals may result in penalties. Renews automatically upon maturity. FDIC insured.
3.45% interest rate · Effective Oct 13, 2026
Rate checked
More details - Kaleida Health Federal Credit UnionCertificates of DepositCD · 24 months · $500 min
Credit union · 3 branches
3.50%APY$712 over 24 months on $10,000Requirements
Product: Rates reflect what was paid last quarter.
Offer: Rates reflect what was paid last quarter.
3.50% interest rate
Rate checked
More details - 3.45%APY$345 over 1 year on $10,000
Requirements
Product: Membership open to any person who lives, works, worships, or goes to school in Erie County, New York. Early withdrawal penalties apply except for monthly interest withdrawals. Interest is compounded and credited monthly.
3.40% interest rate · Effective May 11, 2026
Rate checked
More details - Cattaraugus County BankCertificate of DepositCD · 6 months · $1,000 min · 3.30%–3.60% by balance
Bank · 1 branch
3.40%APY$169 over 6 months on $10,000intro rateRequirements
Product: Available in terms from 6 months to 4 years. Early withdrawal penalties apply. Fixed rates during length of term. CD Specials automatically renew into standard CDs at maturity.
Offer: 6 Month CD Special. Limited time offer. At maturity renews into standard CD of same term. Penalty for early withdrawal.
Promotional rate · 3.25% interest rate · Effective Feb 9, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 3.30% $10,000 – $50,000Your amount 3.40% $50,000 – $100,000 3.50% $100,000 – $250,000 3.60% Rate checked
More details - 3.34%APY$334 over 1 year on $10,000
Requirements
Product: Penalties for early withdrawal.
3.30% interest rate · Effective Sep 30, 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 - 3.29%APY$669 over 24 months on $10,000
Requirements
Product: Certificates of Deposit carry a penalty for early withdrawal. Minimum deposit/balance is $500. Fixed rates.
Offer: Certificates of Deposit carry a penalty for early withdrawal.
3.25% interest rate · Effective Jun 5, 2026
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. Fixed term ranging from 6 months to 5 years.
Offer: Deposits allowed
3.25% interest rate · Effective Jun 5, 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