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 211–225 results in New York, NY-NJ metro
- Town of Hempstead Employees Federal Credit UnionFlex CertificateCD · 36–48 months · $1,000 min
Credit union · 2 branches
2.28%APYRequirements
Product: Minimum deposit of $1,000. Term 36 months to 48 months. Dividends are compounded and paid monthly.
2.25% interest rate · Effective Sep 1, 2026
Rate checked
More details - Academic Federal Credit UnionFLEX Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
2.00%APY$200 over 1 year on $10,000Requirements
Product: Deposit money into the account whenever you want without extending maturity date; can set up direct paycheck dispersion.
1.98% interest rate
Rate checked
More details - Bogota Savings Bank17-Month Tiered Certificate of DepositCD · 17 months · $1,000 min
Bank · 7 branches
2.00%APY$285 over 17 months on $10,000Requirements
Product: Available online and in-branch. Early withdrawal penalties apply if funds are withdrawn before maturity date.
Offer: Interest Compounded Daily | Posted Monthly
1.98% interest rate · Compounded daily
Rate checked
More details - 2.00%APY$404 over 24 months on $10,000intro rate
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity to Regular 24 Month CD.
Offer: Fixed rate paid for 2 years. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
Promotional rate · 1.98% interest rate · Effective Sep 17, 2026
Rate checked
More details - 2.00%APY$612 over 36 months on $10,000
Requirements
Product: When a Share Certificate matures, it will automatically renew for the same term as the original term, with a 7-day grace period after maturity to withdraw funds without penalty or change renewal terms. Minimum balance is the entire deposit.
Offer: Fixed at 36 months. Minimum balance is entire deposit.
Rate checked
More details - Central Jersey Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 1 branch
2.00%APY$1,041 over 60 months on $10,000intro rateRequirements
Product: Rates stated are available to CJFCU Members only. Early withdrawal penalty applies. At the end of the certificate term, Share certificates will be deposited into the Master Savings account. May be used as collateral for loans.
Offer: Paid disclosed rate until first maturity. Penalty will be imposed for early withdrawal.
Promotional rate · 2.00% interest rate
Rate checked
More details - 1.99%APY$199 over 1 year on $10,000
Requirements
Product: A Lucky Savers Account is a 12 month Building Share Certificate for PAFCU Members 18 years and older. Fixed rate certificate.
1.97% interest rate · Effective Oct 10, 2026
Rate checked
More details - People's Alliance Federal Credit UnionBuilding Share Certificate AccountCD · 12 months
Credit union · 7 branches
1.99%APY$199 over 1 year on $10,000Requirements
Product: Fixed rate. Dividends compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of funds before maturity. Renews automatically at maturity with a 7 calendar day grace period.
1.97% interest rate · Effective Sep 26, 2026
Rate checked
More details - People's Alliance Federal Credit UnionEducation Share CertificateCD · 12 months
Credit union · 7 branches
1.99%APY$199 over 1 year on $10,000Requirements
Product: Fixed rate certificate.
1.97% interest rate · Effective Sep 26, 2026
Rate checked
More details - 1.90%APY$174 over 11 months on $10,000
Requirements
Product: $10,000 minimum deposit required to open and maintain. Subject to a $25.00 monthly minimum balance fee if the daily balance requirement is not maintained.
Offer: Assessed $25.00 per month if minimum daily balance requirement of $10,000.00 is not maintained.
1.88% interest rate · $25 monthly fee
Rate checked
More details - Academic Federal Credit UnionLiquid Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
1.90%APY$190 over 1 year on $10,000Requirements
Product: Deposit additional funds at any time for no fee; withdraw money once a month for no fee.
1.89% interest rate
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 239 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.76%APY$723 over 48 months on $10,000
Requirements
Product: The APY is based on the assumption that all principle dividends will remain in the account until maturity; withdrawals will reduce earnings and early withdrawal penalties apply to certificate accounts. Early withdrawal penalties for terms up to 12 months is forfeiture of 90 days worth of dividends, and terms over 12 months is forfeiture of 180 days worth of dividends. Minimum $500 Deposit.
1.75% interest rate
Rate checked
More details - Peoples Security Bank & TrustCertificates of DepositCD · 9 months · $1,000 min · 1.75%–2.90% by balance
Bank · 1 branch
1.75%APY$131 over 9 months on $10,000Requirements
Product: Fixed-rate consumer CDs; terms from 3 to 60 months. Minimum to open $1,000. APYs and interest rates accurate as of 2026-10-05. Maintain a minimum daily balance of $0.01 to obtain the disclosed APY. Interest compounded and credited quarterly on Pick Your Term specials; standard compounding not fully specified for these tiers.
1.74% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY Up to $50,000Your amount 1.75% $50,000 – $100,000 1.95% $100,000 – $250,000 2.70% $250,000 – $1,000,000 2.90% Rate checked
More details - 1.75%APY$264 over 18 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 18 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
1.74% interest rate · Effective Sep 17, 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 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%
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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