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 61–75 results in New York, NY-NJ metro
- 4.15%APY$847 over 24 months on $10,000
Requirements
Product: Minimum balance of $0.01 in the account each day to obtain APY. Interest compounded and credited monthly. Early withdrawal penalties apply. No additional deposits until maturity.
Offer: 24 Month Special. New Money Only.
4.07% interest rate · Effective Oct 7, 2026
Rate checked
More details - 4.15%APY$847 over 24 months on $10,000intro rate
Requirements
Product: Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania). New money only; initial deposit cannot be from an existing Haven Savings Bank account. Penalty for early withdrawal. Maximum deposit $250,000.
Offer: New money only. Compounding method: Continuous. Limited time offer. Penalty for early withdrawal.
Promotional rate · 4.07% interest rate · Balance cap $250,000 · Effective Sep 9, 2026
Rate checked
More details - 4.15%APY$884 over 25 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Interest compounded daily and credited monthly, quarterly, semi-annually, annually, or at maturity. Early withdrawal penalty applies. Automatic renewal at maturity with 10-calendar-day grace period. Advertised rates do not apply to Popular Private Client or International Private Banking customers.
4.07% interest rate · Compounded daily · Effective Sep 29, 2026
Rate by balance
Rate by balance for Popular CD Balance APY $1,000 – $25,000Your amount 4.15% $25,000 – $100,000 4.25% $100,000 – $250,000 4.35% $250,000 – $1,000,000 4.35% $1,000,000 and up 4.35% Rate checked
More details - FourLeaf Federal Credit UnionFourLeaf Certificate AccountCD · 60 months · $50 min
Credit union · 37 branches
4.15%APY$2,255 over 60 months on $10,000Requirements
Product: Must establish membership with FourLeaf by opening a $5 Savings account prior to opening a Certificate Account. $50 minimum balance to open account.
Offer: Assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal.
Effective Oct 16, 2026
Rate checked
More details - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
Offer: Limited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY.
Promotional rate · Effective Oct 22, 2026
Rate checked
More details - United Teletech Financial4.10% APY Certificate Special for 9 Months - $10,000 New Money PromotionCD · 9 months · $10,000 min
Credit union · 6 branches
4.10%APY$306 over 9 months on $10,000intro rateRequirements
Product: Minimum opening deposit of $10,000 in new money is required and must be maintained throughout the term of the certificate. New money may include funds deposited into a new or existing member's share or share draft account within 10 days prior to the establishment of the subject certificate, or money from another financial institution. Renewal term on certificate maturity for a certificate with a 9-month term is 6 months. Penalty imposed for early withdrawal is 90 days interest.
Offer: Requires $10,000 minimum opening deposit in new money maintained throughout the term. Penalty for early withdrawal is 90 days interest. Renews into a 6-month term.
Promotional rate · 4.02% interest rate
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 2 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.08%APY$202 over 6 months on $10,000
4.00% interest rate
Rate checked
More details - Generations United Federal Credit Union7-Month CertificateCD · 7 months · $100 min
Credit union · 1 branch
4.08%APY$236 over 7 months on $10,000intro rateRequirements
Product: Promotional certificate offering (Summer Certificate Sale starting July 1 / limited time offering). Fixed rate. Not renewable.
Offer: Summer Certificate Sale! Beginning July 1 / limited time offering. Not renewable.
Promotional rate · 4.00% interest rate · Effective Jul 1, 2026
Rate checked
More details - 4.08%APY$373 over 11 months on $10,000intro rate
Promotional rate · 4.00% interest rate
Rate checked
More details - 4.07%APY$201 over 6 months on $10,000
Requirements
Product: A 90-day dividend penalty will be imposed for early withdrawal. Deposit amount requires a minimum of $2,500.
3.99% interest rate · Effective Jun 9, 2026
Rate checked
More details - Municipal Credit Union12 Month Share Certificate - $5K New MoneyCD · 12 months · $5,000 min
Credit union · 15 branches
4.07%APY$407 over 1 year on $10,000intro rateRequirements
Product: Requires minimum deposit of $5,000 in New Money (funds not on deposit in any MCU account at account opening/renewal). Must open or renew in person at a branch, via Digital Banking, or mail-in renewal. Additional funds from existing MCU accounts earn stated APY. Automatically renews into standard 12 Month Share Certificate at maturity. Early withdrawal penalty applies.
Offer: Promotional rate reflecting 0.50% increase on standard 12-month dividend rate. Requires at least $5,000 in New Money deposited directly or transferred from MCU checking/savings within 7 days of deposit.
Promotional rate · 4.00% interest rate · Effective Oct 16, 2026
Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 5 branches
4.07%APY$2,208 over 60 months on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - Harrison Police & Firemen's Federal Credit Union12 Month CertifcateCD · 12 months
Credit union · 1 branch
4.06%APY$406 over 1 year on $10,0004.00% interest rate · Effective Oct 4, 2026
Rate checked
More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 5 branches
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 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?
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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