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 241–254 results in New York, NY-NJ metro
- 0.50%APY$202 over 48 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 48 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.50%APY$253 over 60 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 60 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.50% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.50%APY$355 over 84 months on $10,000
Requirements
Product: Fees could reduce earnings. Penalties for early withdrawal on CDs may apply.
0.50% interest rate
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More details - 0.30%APY$30 over 1 year on $10,000
Requirements
Product: Term Certificates dividends are paid at maturity. Early withdrawal penalty applies.
Effective Jan 1, 2022
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More details - 0.30%APY$45 over 18 months on $10,000
Requirements
Product: Early withdrawal penalties: 3 months' interest for terms less than 1 year, 6 months' interest for terms 1 year or more. Automatic renewal at maturity with 10 grace days.
0.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - Lakehurst Naval Federal Credit UnionEasy Save CertificateCD · 12 months · $250 min
Credit union · 1 branch
0.25%APY$25 over 1 year on $10,000Requirements
Product: Allows deposits to the certificate whenever desired during the term. Dividends are earned daily and posted quarterly.
Offer: Allows deposits to the certificate whenever desired during the term. Dividends earned daily and posted quarterly.
Rate checked
More details - Union Building Trades Federal Credit UnionEasy Access Share CertificateCD · 12 months
Credit union · 1 branch
0.25%APY$25 over 1 year on $10,000Effective Apr 23, 2025
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More details - First Financial Federal Credit UnionSavings CertificatesCD · 36 months · $10,000 min
Credit union · 4 branches
0.25%APY$75 over 36 months on $10,000Requirements
Product: Dividends compounded and credited monthly. Penalty may be imposed for early withdrawal before maturity. Automatically renews at maturity. Credit union membership requires a $5 base savings deposit. Memberships are part of Rewards First program ($5/mo non-participation fee on base savings if requirements not met).
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
Requirements
Product: Dividends are compounded daily, based on day of deposit or day of withdrawal, and paid monthly. Rates are subject to change.
0.25% interest rate · Compounded daily
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More details - 0.20%APY$22 over 13 months on $10,000
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity.
Offer: Fixed rate for 13 months. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
0.20% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Maturity terms from 1-60 months. Interest compounded annually on CDs over one year. Automatic renewal. Penalty for early withdrawal. $1,000 minimum opening deposit.
Compounded annually · Effective Apr 1, 2024
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More details - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 2026
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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%
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