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 196–210 results in New York, NY-NJ metro
- 3.00%APY$74 over 3 months on $10,000
Requirements
Product: $500 minimum opening deposit unless otherwise noted. Early withdrawal penalties may apply.
Offer: Promotional rate. Subject to change at any time. Early withdrawal penalties may apply.
2.92% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Minimum deposit and balance of $500 required to obtain APY. Early withdrawal penalty may be imposed. Automatically renews at maturity.
Offer: Minimum deposit and balance of $500 required to obtain APY. Early withdrawal penalty may apply. Auto-renews at maturity.
2.96% interest rate · Effective Jun 9, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000
Requirements
Product: Automatic renewal at end of term.
Offer: Dividends compound quarterly; a penalty will be imposed for early withdrawals.
Effective Oct 1, 2025
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - United Teletech FinancialTerm Share Certificate AccountsCD · 60 months · $500 min · 3.00%–3.50% by balance
Credit union · 6 branches
3.00%APY$1,593 over 60 months on $10,000Requirements
Product: Fixed rate share certificate. Minimum opening deposit $500.00. Dividends compounded monthly and credited monthly.
2.96% interest rate · Compounded monthly · Effective Aug 7, 2026
Rate by balance
Rate by balance for Term Share Certificate Accounts Balance APY $500 – $25,000Your amount 3.00% $25,000 – $50,000 3.25% $50,000 – $75,000 3.25% $75,000 – $100,000 3.25% $100,000 and up 3.50% Rate checked
More details - 2.99%APY$299 over 1 year on $10,000
Requirements
Product: 6 month to 1year term certificates. minimum deposit is $1,000. You will not be able to make additional deposits to an existing account. We may impose a penalty if you withdraw from your account before the maturity date. RATE VARIES BASED ON CREDIT SCORE. RATES SUBJECT TO CHANGE WITHOUT NOTICE.
Rate checked
More details - Local 804 Federal Credit UnionShare CertificateCD · 36 months · $500 min · 2.27%–2.93% by balance
Credit union · 2 branches
2.93%APY$906 over 36 months on $10,000Requirements
Product: Minimum deposit of $500 required to open and earn stated APY. Membership eligibility includes members and employees of Local 804 IBT, Local 808 IBT, Local 447 IAMAW, and their families.
2.25% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $999 2.27% $1,000 – $3,999 2.52% $4,000 and upYour amount 2.93% Rate checked
More details - Penn South Federal Credit UnionCertificates of DepositCD · 60 months · $5,000 min
Credit union · 1 branch
2.79%APY$1,475 over 60 months on $10,000intro rateRequirements
Product: Certificates of Deposit are a Members only service. You must be 18 years of age to open an account. $50 par value per account holder minimum deposit required to open a Credit Union account ($100 for a joint account). Automatically rolled over for another term if not notified by maturity.
Offer: Limited time rate. Five years term. Minimum deposit $5,000.
Promotional rate · 2.75% interest rate · Effective Jan 2, 2017
Rate checked
More details - Raritan Bay Federal Credit UnionShare Certificates (CDs)CD · 6 months · $1,000 min
Credit union · 1 branch
2.75%APY$137 over 6 months on $10,000Requirements
Product: Minimum balance of $1,000 required to open and earn dividends. No setup or maintenance fees. Early withdrawal subject to penalty.
Effective Sep 28, 2026
Rate checked
More details - Advantage Financial Federal Credit UnionCertificatesCD · 60 months · $500 min · 2.69%–2.79% by balance
Credit union · 1 branch
2.69%APY$1,419 over 60 months on $10,000Requirements
Product: Dividends are fixed for the term of the certificate, declared, compounded and paid monthly based on average daily balance. Early withdrawal penalties may apply. No setup or maintenance fees.
2.65% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 2.69% $50,000 and upBonus Certificate rate tier 2.79% Rate checked
More details - 2.68%APY
2.65% interest rate
Rate checked
More details - Peoples Security Bank & TrustRelationship Certificates of DepositCD · 6 months · $1,000 min · 2.50%–3.30% by balance
Bank · 1 branch
2.50%APY$124 over 6 months on $10,000with conditionsRequirements
Product: Primary account holder must have at least one active consumer checking account with direct deposit, online banking, and a debit card. Minimum to open $1,000. APYs and interest rates accurate as of 2026-09-17.
Offer: Relationship CD: active consumer checking with direct deposit, online banking, and debit card.
Qualified rate · 2.48% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Relationship Certificates of Deposit Balance APY Up to $50,000Your amount 2.50% $50,000 – $100,000 2.95% $100,000 – $250,000 3.10% $250,000 – $1,000,000 3.30% Rate checked
More details - 2.50%APY$208 over 10 months on $10,000
Requirements
Product: Minimum balance to open an account and earn interest is $500. Annual Percentage Yields (APYs) are subject to change without notice. Bank policy requires a substantial penalty for early withdrawal.
2.47% interest rate · Effective Oct 2, 2026
Rate checked
More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Membership is open to employees of the United States Postal Service or Middlesex County, NJ, and immediate family of current members.
Effective Jan 1, 2026
Rate checked
More details - Academic Federal Credit UnionTraditional Share CertificateCD · 36 months · $5,000 min
Credit union · 1 branch
2.50%APY$769 over 36 months on $10,000Requirements
Product: Opened with an initial deposit; no further deposits or withdrawals permitted. Any term share falling below minimum required balance is charged a 90-day dividend penalty and closed.
2.47% interest rate
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 16–23
- 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