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 16–17 results in Utica, NY metro
- 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
Rate checked
More details - 1.76%APY$355 over 24 months on $10,000
Requirements
Product: Restricts access to funds until maturity date is reached. Dividends are compounded and paid quarterly. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Minimum balance to earn dividends is $1,000. Dividends compounded and paid quarterly.
1.75% interest rate · Effective May 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 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%
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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