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 136–150 results in New York, NY-NJ metro
- 3.66%APY$554 over 18 months on $10,000
Requirements
Product: The minimum balance required to open a Certificate is $500.00. Must open a savings account with a minimum deposit of $5.00 to qualify for membership. Early withdrawal penalties apply.
Offer: Early withdrawal penalty of 90 days' dividends for terms greater than 12 months. Fixed rate, dividends compounded monthly and credited monthly.
3.60% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - Advanced Financial Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 4 branches
3.61%APY$361 over 1 year on $10,000Requirements
Product: Early withdrawal penalty is 90 days' (3 months') dividends. Dividends calculated and posted monthly.
3.55% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.61%APY$735 over 24 months on $10,000
Requirements
Product: Interest is compounded continuously and credited monthly. To obtain the APY, a minimum balance of $500.00 must be maintained each day. No additional deposits may be made into your account until the maturity date. Early withdrawal penalties may apply.
3.50% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.61%APY$1,123 over 36 months on $10,000
Requirements
Offer: APY stated as MATURITY
3.55% interest rate · Effective Oct 1, 2025
Rate checked
More details - Popular BankPopular Private Client Certificate of DepositCD · 6 months · $1,000 min · 3.60%–3.80% by balance
Bank · 24 branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Exclusive to Popular Private Client customers. Minimum deposit of $1,000 required to open. Early withdrawal penalty applies. Daily compound interest credited monthly, quarterly, semi-annually, annually, or at maturity.
Offer: Must visit a branch location to open a 6-month CD.
3.54% interest rate · Effective May 26, 2026
Rate by balance
Rate by balance for Popular Private Client Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.60% $25,000 – $100,000 3.65% $100,000 – $250,000 3.70% $250,000 – $1,000,000 3.75% $1,000,000 and up 3.80% Rate checked
More details - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - The Finest Federal Credit UnionShare Certificates (CDs)CD · 12 months · $500 min
Credit union · 1 branch
3.56%APY$356 over 1 year on $10,000Requirements
Product: Membership eligibility includes NYS (City, State, Federal) Law Enforcement personnel, retirees, and family members. $500 minimum deposit. Fixed rate. Dividends compound daily and are paid monthly. Automatically renews upon maturity with a 7 business day grace period. Penalty for early withdrawal is 90 days of simple interest at the certificate rate. Insured up to $250,000 by NCUA.
Effective Mar 29, 2024
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
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More details - 3.55%APY$355 over 1 year on $10,000
3.48% interest rate · Effective Oct 16, 2026
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More details - 3.55%APY$723 over 24 months on $10,000
Requirements
Product: Minimum balance of $500 required. Early withdrawal penalties apply (up to 12 months: 3 months worth of dividends; 24 months: 6 months worth of dividends).
3.50% interest rate · Effective Oct 1, 2025
Rate checked
More details - Harrison Police & Firemen's Federal Credit UnionSmall Savers (30 Months)CD · 30 months
Credit union · 1 branch
3.55%APY$911 over 30 months on $10,0003.50% interest rate · Effective Oct 4, 2026
Rate checked
More details - 3.51%APY$262 over 9 months on $10,000intro rate
Requirements
Product: $2,500 minimum deposit required to open and earn APY. Early withdrawal penalties may be imposed.
Offer: $2,500 minimum deposit required to open and earn APY. Early withdrawal penalties may be imposed.
Promotional rate · 3.46% interest rate · Effective Oct 4, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000
Requirements
Product: The minimum balance to open and obtain the APY for Certificates of Deposits (CDs) 1-6 months is $500. The minimum balance to open and obtain the APY for CDs 12-60months is $1,000. A penalty may be imposed for withdrawals before maturity on CDs. Fees may reduce earnings. Offer and rates may change without prior notice.
3.44% interest rate · Effective Sep 17, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000
Requirements
Product: RFCU membership and proper ID required. Dividends are compounded monthly, credited monthly, and calculated using the daily balance method. Automatic renewal at maturity with a 10-day grace period. No additional deposits permitted after opening.
Offer: Early withdrawal penalty of 1 month loss of dividends.
3.45% interest rate · Compounded monthly · Effective Mar 5, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 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 New York, NY-NJ metro
1,481 CDs at 167 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.05%
- Banks, typical
- 3.00%
- Credit unions, typical
- 3.04%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches