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 31–43 results in Syracuse, NY metro
- 3.50%APY$173 over 6 months on $10,000
Requirements
Product: All share certificates have a fixed term, ranging from 6 months to 48 months. Benefits include: $500 minimum balance, federally insured, early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed. Membership restrictions apply.
Offer: Early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed.
Effective Jul 1, 2026
Rate checked
More details - Beginnings Credit UnionCertificatesCD · 6 months · $500 min · 3.50%–3.75% by balance
Credit union · 5 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Fixed rate for term. Compounded monthly. Early withdrawal penalty applies: 90 days of dividends for terms < 12 months, 180 days of dividends for terms >= 12 months. $0 monthly service fee. NCUA insured.
Offer: Compounded monthly. Penalty for early withdrawal.
Compounded monthly · Effective Jan 1, 2026
Rate by balance
Rate by balance for Certificates Balance APY $500 and upYour amount 3.50% $25,000 and up 3.60% $100,000 and up 3.75% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000intro rate
Requirements
Product: Must be 18 years of age or older. Must be a Beginnings Credit Union member with accounts in good standing. Business and Trust accounts are not eligible. Limited to one Lucky Savers account in NY State. Can make deposits into Lucky Savers Certificate at any time. The APY is fixed for the initial term; at renewal, the APY is variable and may change. Penalty imposed for early withdrawal. Compounded monthly. $0 monthly service fee. NCUA insured.
Offer: Fixed APY for initial 12-month term; variable at renewal. Compounded monthly. Early withdrawal penalty applies. Every $25 deposit earns a prize entry (up to 10 entries per month).
Promotional rate · Compounded monthly · Effective Jan 1, 2026
Rate checked
More details - Cooperative Federal Credit UnionMember CertificatesCD · 13 months · $4,000 min · 3.45%–3.65% by balance
Credit union · 3 branches
3.45%APY$374 over 13 months on $10,000Requirements
Product: Dividends compounded and credited monthly and at maturity. Early withdrawal penalty may be imposed. Fees could reduce earnings. Special certificates roll over to regular certificate with closest term at maturity. Insured by NCUA up to $250,000.
Offer: At maturity, Special Certificates roll over to a regular Certificate with the closest term.
Effective Apr 2, 2026
Rate by balance
Rate by balance for Member Certificates Balance APY $4,000 and upYour amount 3.45% $50,000 and up 3.50% $100,000 and up 3.60% $245,000 and up 3.65% Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.00%APY$300 over 1 year on $10,000intro rate
Requirements
Product: A penalty may be imposed for early withdrawal. Cannot be combined with any other offer. Subject to cancellation without prior notice.
Offer: Cannot be combined with any other offer. Subject to cancellation without prior notice. Early withdrawal penalty may apply.
Promotional rate · Effective Dec 12, 2022
Rate checked
More details - 2.75%APY$275 over 1 year on $10,000intro rate
Requirements
Product: $500 minimum to open. Fixed rate. Early withdrawal penalties may apply and reduce earnings.
Promotional rate · 2.71% interest rate
Rate checked
More details - Cooperative Federal Credit Union12 Month Lucky SaversCD · 12 months · $25 min
Credit union · 3 branches
2.00%APY$200 over 1 year on $10,000Requirements
Product: Minimum balance of $25. Early withdrawal penalty may be imposed. Fees could reduce earnings. Insured by NCUA up to $250,000.
Effective Apr 2, 2026
Rate checked
More details - Westar Federal Credit UnionShare Certificate – Member Loyalty RatesCD · 48 months · $500 min
Credit union · 1 branch
0.70%APY$283 over 48 months on $10,000with conditionsRequirements
Product: Requires 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Minimum of $500, $250 for Star Savings. An early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed.
Offer: Member Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply.
Qualified rate
Rate checked
More details - 0.50%APY$202 over 48 months on $10,000
Requirements
Product: Rates effective since 08/12/2020; subject to change without notice. Penalty for early withdrawal applies.
Offer: 4 Year term; early withdrawal penalty applies.
0.50% interest rate · Effective Aug 12, 2020
Rate checked
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 Syracuse, NY metro
323 CDs at 31 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.01%
- Banks, typical
- 1.13%
- Credit unions, typical
- 3.40%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Syracuse, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- G.P.O. Federal Credit UnionCredit union · 1 branch
- AmeriCU Credit UnionCredit union · 9 branches
- Auburn Community Federal Credit UnionCredit union · 1 branch