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 1–8 results in Elmira, NY metro
- 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
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 - 4.00%APY$816 over 24 months on $10,000
Requirements
Product: Membership eligibility required. Penalties may be imposed for early withdrawal. Dividends earned daily and credited monthly. Member forfeits dividends if account is closed before dividends accrue.
3.93% interest rate · Balance cap $99,999.99 · Effective Sep 23, 2026
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
Rate checked
More details - Finger Lakes Health Care Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.82%APY$382 over 1 year on $10,000Requirements
Product: Minimum deposit for all CDs is $1,000. Interest credits quarterly. No grace period.
Offer: Interest credits quarterly. No grace period.
3.75% interest rate · Effective Jul 1, 2026
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 - Solutions Credit UnionCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Credit union · 1 branch
3.34%APY$166 over 6 months on $10,000Requirements
Product: Opening balance of $1,000 required.
Offer: 6-month term.
3.30% 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
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 Elmira, NY metro
53 CDs at 7 banks and credit unions · checked Oct 6–16
- Typical
- 2.00%
- Top 10% from
- 3.85%
- Banks, typical
- 0.45%
- Credit unions, typical
- 3.73%
Is your bank paying you enough?
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New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch