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 226–240 results in New York, NY-NJ metro
- 1.71%APY$702 over 48 months on $10,000
1.70% interest rate · Effective Feb 1, 2023
Rate checked
More details - 1.61%APY$325 over 24 months on $10,000
Requirements
Product: Interest is compounded daily. APY assumes principal and interest remain on deposit for one year at the same rate. Fees could reduce earnings.
Offer: Interest is compounded daily. APY assumes principal and interest remain on deposit for one year at the same rate. Fees could reduce earnings.
1.60% interest rate · Compounded daily · Effective Apr 1, 2018
Rate checked
More details - 1.51%APY$75 over 6 months on $10,000
Requirements
Product: The minimum deposit to open a Certificate of Deposit is $2,500. A monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals may be imposed.
Offer: A monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals on certificate of deposit accounts may be imposed. Fees could reduce earnings.
1.50% interest rate · Effective Dec 11, 2025
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More details - 1.51%APY$151 over 1 year on $10,000
Requirements
Product: Minimum balance $2,500.
1.50% interest rate · Effective Jan 31, 2026
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More details - 1.50%APY$37 over 3 months on $10,000
Requirements
Product: Open with as little as $500. Flexible terms from 3 months to 60 months. Interest compounded daily and posted monthly, annually, or at maturity. Early withdrawal penalty may apply. Automatic renewal option. Available for all personal categories.
1.49% interest rate · Compounded daily
Rate checked
More details - 1.45%APY$145 over 1 year on $10,000
Requirements
Product: Membership is required: open to individuals who live, work, worship, or attend school in Somerset County, or belong to a specific group or organization.
Offer: Penalties may apply for early withdrawals.
1.45% interest rate · Effective Jun 1, 2026
Rate checked
More details - Urban Upbound Federal Credit UnionShare CertificatesCD · 24 months · $750 min
Credit union · 2 branches
1.00%APY$201 over 24 months on $10,000Rate checked
More details - 1.00%APY$303 over 36 months on $10,000
1.00% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.95%APY$119 over 15 months on $10,000intro rate
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 15 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
Promotional rate · 0.95% interest rate · Effective Sep 17, 2026
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More details - 0.95%APY$288 over 36 months on $10,000intro rate
Requirements
Product: $2,500 minimum deposit required to open and earn APY. New money only. You may withdraw up to 50% of your total deposit once during the lifetime of the CD, penalty free, except within 6 days after the date deposit. Penalties for each additional withdrawal will be incurred.
Offer: $2,500 minimum deposit required to open and earn APY. New money only. You may withdraw up to 50% of your total deposit once during the lifetime of the CD, penalty free, except within 6 days after the date deposit. Penalties for each additional withdrawal will be incurred.
Promotional rate · 0.95% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.90%APY$227 over 30 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 30 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.90% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.60%APY$181 over 36 months on $10,000
Requirements
Product: No penalty will be imposed if withdrawal occurs after 18 months from opening date. Only one withdrawal permitted after the 18 month period. Penalties for early withdrawals apply.
0.60% interest rate · Effective Sep 24, 2026
Rate checked
More details - Union Building Trades Federal Credit UnionTerm Share DepositCD · 60 months · $1,000 min
Credit union · 1 branch
0.55%APY$278 over 60 months on $10,000Requirements
Product: Fixed-rate, closed-end time deposits. Minimum balance of $1,000. Terms from 3 months to 5 years.
Effective Apr 23, 2025
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More details - 0.50%APY$100 over 24 months on $10,000
Requirements
Offer: Compounded monthly
0.50% interest rate · Compounded monthly · Effective Jul 1, 2024
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More details - 0.50%APY$151 over 36 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 36 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.50% interest rate · Effective Sep 17, 2026
Rate checked
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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%
Is your bank paying you enough?
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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