Best CD rates and certificates

Requirements

Product: $2,000 minimum deposit to open a Certificate of Deposit (CD) account. A penalty may be imposed for early withdrawal. To obtain APY, all interest and principal must be left on deposit for full term. Fees may reduce earnings. Interest posted monthly and available for withdrawal. The 7-month, 13-month, 18-month and 2-year CDs are promotional products and can be discontinued at any time. Deposit products, including all CD terms, are available to New York State residents only. Standard FDIC insurance up to $250,000 per depositor.

Offer: Promotional CD rate.

Requirements

Product: Membership requires a $5 minimum share account balance. Open to anyone who lives, works, worships, or attends school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY. Dividends paid monthly. Penalty fee for early withdrawal.

Offer: $500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings.

Requirements

Product: Standard minimum opening deposit is $500. Additional deposits are not allowed after opening. Early withdrawal penalties apply (90 days' dividends for 1-12 month terms, 180 days for 13-23 months, 365 days for 24-36 months, 540 days for 37-60 months). Automatically renewing certificates have a 10-day grace period.

Offer: Standard 4-Month Certificate Special rate.

Requirements

Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.

Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.

Requirements

Product: Penalties may be imposed for withdrawals before maturity. Monthly interest can be accrued in the account, transferred to a Sawyer Savings Bank account, or mailed by check.

Requirements

Product: Interest is compounded daily and credited monthly. Penalty imposed for early withdrawal.

Offer: Requires checking account.

Requirements

Product: Must be a member of SRFFCU. Rate is fixed for the term. APY assumes dividends remain on deposit until maturity. A minimum balance of $500 is required to open a Certificate and earn the advertised dividend rate. Renewal at maturity at then-current rate. Penalty may be imposed for early withdrawal of principal. Fees may reduce earnings.

Offer: Early withdrawal penalty: 3 month interest (90 days' dividends).

Requirements

Product: Dividends for fixed rate certificates earned at rate in effect when opened; variable rate certificates earned at rate in effect at beginning of month. Substantial penalties imposed for early withdrawal. Rates effective 10/1/26.

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.

Requirements

Product: Early withdrawal penalty may apply. $1,000 minimum to open account and earn APY.

Offer: Relationship Certificates must be accompanied by an active checking account (completes 3 or more transactions per month). Deposit of $100,000 or more receives a $500 bonus; $50,000 - $99,999 receives $250 bonus (new money only).

Requirements

Product: Rates subject to change without notice. Penalties may be imposed for withdrawals made or closing account prior to maturity. FDIC insured.

Requirements

Product: Variable APY based on Effective Federal Funds Rate (EFFR) in effect on the last Thursday of each quarter. Minimum opening balance $750. APY effective as of 10/1/26.

Offer: Base rate.

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.

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.

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.