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 1–15 results in Utica, NY metro
- Utica Gas & Electric Federal Credit Union10 Month Certificate SpecialCD · 10 months · $500 min · 4.50%–4.60% by balance
Credit union · 1 branch
4.60%APY$382 over 10 months on $10,000intro rateRequirements
Product: Limited-time offer. Cannot be combined with the Anniversary Special. Early withdrawal penalty applies.
Offer: Limited-time offer.
Promotional rate
Rate by balance
Rate by balance for 10 Month Certificate Special Balance APY $500 and up 4.50% $10,000 and upYour amountRequires $10,000 or more in new money from another financial institution. 4.60% Rate checked
More details - 4.50%APY$111 over 3 months on $10,000
Requirements
Product: Rates are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
Offer: The minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date.
4.40% interest rate · Effective Oct 16, 2026
Rate checked
More details - G.P.O. Federal Credit UnionTerm Share CertificatesCD · 11 months · $1,000 min
Credit union · 7 branches
4.50%APY$412 over 11 months on $10,000intro rateRequirements
Product: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
Offer: 11-Month Term Share Certificate Special. Minimum deposit to open and minimum balance to earn advertised APY is $1,000. Maximum deposit is $25,000. Limit one per member during promotional period. Early withdrawal penalties apply. Additional deposits not allowed. Automatically renews into 12-month Term Share Certificate at prevailing rate.
Promotional rate · 4.41% interest rate · Balance cap $25,000 · Effective Oct 1, 2026
Rate checked
More details - 4.30%APY
Requirements
Product: Local deposits only for Oneida, Herkimer, Madison, Otsego Counties. New customer limit $3,000,000. Compounded quarterly (Q). Non-transferable. Early withdrawal penalties apply based on remaining term.
Offer: Under $100,000 tier; 5 years and up term; compounded quarterly.
4.23% interest rate · Compounded quarterly · Balance cap $99,999.99 · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - Utica Gas & Electric Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
4.15%APY$205 over 6 months on $10,000 - Utica District Telephone Employees Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
4.06%APY$406 over 1 year on $10,000Requirements
Product: Membership available to employees of Verizon, Spectrum, and Northland Communications and their families. Dividends calculated by the average daily balance method. Penalty for early withdrawal: 30 days of dividends for terms of 12 months or less; 60 days of dividends for terms greater than 12 months. Account automatically renews at maturity with a 10-business-day grace period.
Offer: Dividends compounded and credited quarterly.
4.00% interest rate
Rate checked
More details - 4.00%APY$132 over 4 months on $10,000intro rate
Requirements
Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.
Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.
Promotional rate · 3.93% interest rate · Effective Jan 5, 2026
Rate checked
More details - First Source Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · 6 branches
4.00%APY$198 over 6 months on $10,000Requirements
Offer: $1,000.00 minimum balance to earn dividends
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - Rome Federal Credit UnionShare Certificate AccountsCD · 6 months · $1,000 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000Requirements
Product: Minimum deposit of $1,000.00 required. Additional deposits not permitted after opening. 90-day early withdrawal penalty applies. Terms available from 6 months to 5 years (60 months).
3.93% interest rate · Effective Apr 21, 2026
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000intro rate
Requirements
Product: Fixed dividend rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required. Insured by the NCUA. Withdrawals of principal are subject to early withdrawal penalties.
Offer: Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required.
Promotional rate · 3.92% interest rate · Effective Oct 16, 2026
Rate checked
More details - Mohawk Valley Federal Credit UnionShare Certificates (CDs)CD · 6 months · $1,000 min
Credit union · 2 branches
3.90%APY$193 over 6 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Deposits are federally insured by the NCUA up to at least $250,000.
3.83% interest rate · Effective Apr 1, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Membership eligibility is required.
3.60% interest rate · Effective Sep 1, 2025
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 Utica, NY metro
73 CDs at 15 banks and credit unions · checked Oct 6–17
- Typical
- 3.70%
- Top 10% from
- 4.19%
- Banks, typical
- 3.63%
- Credit unions, typical
- 3.75%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Utica, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Utica Gas & Electric Federal Credit UnionCredit union · 1 branch
- Remington Federal Credit UnionCredit union · 1 branch
- G.P.O. Federal Credit UnionCredit union · 7 branches