Best CD rates and certificates

Requirements

Product: Available to eligible First New York members age 18 and older with accounts in good standing. Business, trust, and participating institution employee accounts are not eligible to win prizes. Prize period runs from October 1, 2026 until September 30, 2027. Earn one prize drawing entry for every $25 deposited up to $250/month (up to 10 chances per month). Initial deposit of $25 required to open; additional deposits can be made throughout the term. All deposits mature 12 months after initial deposit date. Dividends compounded monthly. Early withdrawal penalty may apply.

Offer: Prize period runs from October 1, 2026 until September 30, 2027. Business and trust accounts, as well as employee accounts from any participating institution, are not eligible to win prizes. An initial deposit of $25 is required to open and additional deposits can be made throughout the term. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit was made. A penalty for early withdrawal may apply. The APY is subject to change without notice. Rates set weekly. Dividends compounded monthly. Official rules at www.savetowin.org.

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.

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.