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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.

Term
Location

Top CD rates

Showing 31–45 results in Rochester, NY metro

  1. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 22 branches

    3.30%APY$219 over 8 months on $10,000with conditions
  2. Bank of AmericaFlexible CDCD · 12 months · $1,000 min · 3.15%–3.65% by balance

    Bank · 10 branches

    3.15%APY$315 over 1 year on $10,000
  3. Alternatives Federal Credit UnionShare CertificatesCD · 3 months · $500 min

    Credit union · 1 branch

    3.04%APY$75 over 3 months on $10,000
  4. Top Carrot, Carrot Score 87
    Canandaigua FCUSpecial Rate: New MoneyCD · 12 months

    Credit union · 1 branch

    2.02%APY$202 over 1 year on $10,000intro rate
  5. Brockport FCUShare Certificates (CD's)CD · 6 months · $500 min

    Credit union · 1 branch

    2.02%APY$100 over 6 months on $10,000
  6. Top Carrot, Carrot Score 88
    Finger Lakes Federal Credit UnionCertificates (Term Share Accounts)CD · 36 months · $500 min

    Credit union · 4 branches

    1.66%APY$506 over 36 months on $10,000
  7. Gates Chili Federal Credit UnionCertificates of DepositCD · 12 months · $500 min

    Credit union · 1 branch

    1.50%APY$150 over 1 year on $10,000
  8. Top Carrot, Carrot Score 87
    Canandaigua FCUTerm Share CertificateCD · 60 months · $100 min

    Credit union · 1 branch

    0.45%APY$227 over 60 months on $10,000with conditions
  9. Five Star BankFixed Rate CD - Standard RatesCD · 48 months · $500 min

    Bank · 19 branches

    0.40%APY$161 over 48 months on $10,000
  10. ESL Federal Credit UnionCall CertificateCD · 60 months · $500 min

    Credit union · 27 branches

    0.20%APY$100 over 60 months on $10,000intro rate
  11. Alternatives Federal Credit UnionLucky Savers CertificateCD · 12 months · $25 min

    Credit union · 1 branch

    0.15%APY$15 over 1 year on $10,000
  12. Top Carrot, Carrot Score 87
    Canandaigua FCUBuildable Term SharesCD · 24 months · $0 min

    Credit union · 1 branch

    0.15%APY$30 over 24 months on $10,000
  13. Cobblestone Country FCUShare CertificatesCD · 12 months

    Credit union · 1 branch

    0.09%APY$9 over 1 year on $10,000
  14. ChaseCD LadderCD · 6 months · $1,000 min · 0.02%–0.05% by balance

    Bank · 22 branches

    0.05%APY$2 over 6 months on $10,000with conditions
  15. Bank of AmericaFixed Term CDCD · 6–11 months · $1,000 min

    Bank · 10 branches

    0.03%APY

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 Rochester, NY metro

304 CDs at 34 banks and credit unions · checked Oct 16–17

Typical
1.88%
Top 10% from
4.00%
Banks, typical
1.15%
Credit unions, typical
2.25%

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Rochester, NY metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Ontario Shores FCUCredit union · 1 branch
  2. Pittsford Federal Credit UnionCredit union · 2 branches
  3. Canandaigua National BankBank · 26 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate