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 46–60 results in Buffalo, NY metro
- 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 - Meridia Community Credit UnionTerm Share CertificatesCD · 6 months · $500 min
Credit union · 3 branches
3.09%APY$153 over 6 months on $10,000Requirements
Product: Minimum opening deposit is $500.
3.05% interest rate · Effective Oct 4, 2026
Rate checked
More details - Lockport Schools & Community Federal Credit UnionShare CertificateCD · 6 months
Credit union · 1 branch
3.00%APY$149 over 6 months on $10,000Requirements
Product: Dividends are compounded on the average daily balance after meeting a minimum account balance paid quarterly. Accounts are insured up to $250,000 by NCUA.
3.00% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.00%APY$609 over 24 months on $10,000
Requirements
Product: Term share certificates pay higher dividends than most traditional savings accounts. Rates are subject to change without notice. Fees could reduce account dividend earnings.
Offer: $2,500 Minimum To Open
3.00% interest rate
Rate checked
More details - Williamsville Federal Credit UnionShare CertificatesCD · 24 months · $500 min
Credit union · 1 branch
2.72%APY$551 over 24 months on $10,000Requirements
Product: Dividends are accrued from the term of the certificate and posted upon maturity. For all share certificates, a penalty will be imposed for early withdrawal. For Share Certificates with denominations of 5,000 to 10,000 plus, contact the Credit Union for additional rates. Members will forfeit dividends if the account is closed before accrued dividends are credited. No limit to the amount of Share Certificates you may own. No additional deposits allowed into an existing account.
2.20% interest rate · Balance cap $100,000 · Effective Oct 24, 2025
Rate checked
More details - Niagara Falls Teachers Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 1 branch
2.00%APY$200 over 1 year on $10,000intro rateRequirements
Product: Certain penalties apply if funds are withdrawn prior to account maturity. Please refer to the "Truth-in-Savings Disclosure" for Share Certificate Accounts for details.
Promotional rate · Balance cap $50,000 · Effective Oct 16, 2026
Rate checked
More details - 1.97%APY$197 over 1 year on $10,000
1.95% interest rate
Rate checked
More details - 1.76%APY$537 over 36 months on $10,000
Requirements
Product: Rates are subject to change at any time without notice
Effective Oct 5, 2026
Rate checked
More details - Niagara Falls Air Force Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min
Credit union · 1 branch
1.20%APY$364 over 36 months on $10,000Requirements
Product: No limit to the number of share certificates a member may own. Cannot make additional deposits into existing accounts. Fees may reduce earnings. Penalties for early withdrawal.
Offer: Early withdrawal 180 day dividend penalty.
Effective Jan 1, 2023
Rate checked
More details - 0.75%APY$382 over 60 months on $10,000
Requirements
Product: Minimum certificate deposit is $500.00. Dividends are compounded daily and posted/credited quarterly. Penalties apply for early withdrawal prior to certificate maturity.
0.75% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 0.60%APY$304 over 60 months on $10,000
Requirements
Product: Rate locked for term. Penalty for early withdrawal. CD can be renewed at maturity.
0.60% interest rate
Rate checked
More details - 0.40%APY$161 over 48 months on $10,000
Requirements
Product: Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.
0.40% interest rate · Compounded daily
Rate checked
More details - 0.30%APY$60 over 24 months on $10,000
Requirements
Offer: Minimum balance $500.00. Early withdrawal penalty is 30 days dividends.
Effective Jul 15, 2025
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 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
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%
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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