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 16–30 results in Erie County, NY · Showing Erie County, NY: too few institutions in Amherst, NY
- AFGM Enterprises Federal Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000Requirements
Product: Membership and eligibility required. Dividends paid at maturity. Auto Rollover Certificates are subject to early withdrawal penalties.
Offer: Dividends paid at maturity. Auto Rollover Certificates are subject to early withdrawal penalties.
Rate checked
More details - Buffalo Conrail Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
3.85%APY$191 over 6 months on $10,000Requirements
Product: Membership eligibility requirements apply. Dividends on certificate accounts are compounded/credited at maturity. Rates subject to change at any time without notice.
Offer: Dividends on certificate accounts are compounded/credited at maturity.
Rate checked
More details - Cornerstone Community Federal Credit UnionShare CertificateCD · 9 months · $500 min
Credit union · 1 branch
3.85%APY$287 over 9 months on $10,000Requirements
Product: Minimum balance to open certificate and earn APY is $500. Early withdrawal penalties apply. Fees may reduce earnings. For terms of 2 years or more under Unlock with the Rock, the early withdrawal penalty is the smaller of dividends since issuance/renewal or 30 days dividends.
Offer: 9 month certificate term.
3.78% interest rate · Effective Sep 9, 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 - 3.82%APY$1,618 over 48 months on $10,000
3.75% interest rate · Effective Feb 15, 2026
Rate checked
More details - Cadets Federal Credit UnionShare Certificate AccountsCD · 48 months · $1,000 min · 3.80%–4.06% by balance
Credit union · 2 branches
3.80%APY$1,610 over 48 months on $10,000Requirements
Product: Dividends are compounded quarterly and credited quarterly (or at maturity). Penalties may be imposed for early withdrawal. Rates calculated using average daily balance.
Offer: 9-Month Penalty for Early Withdrawal
3.75% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.80% $50,000 – $99,999 3.93% $100,000 – $250,000 4.06% Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: Minimum deposit is $500.00. Early withdrawal penalty is loss of one month's dividends plus loss of earnings that would have been earned in the quarter withdrawn.
Offer: Dividends are posted on a quarterly basis.
3.72% interest rate · Effective Nov 24, 2025
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.
3.68% interest rate
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Offer: Dividend Paid at Maturity
3.75% interest rate · Balance cap $500,000 · Effective Sep 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 - 3.71%APY$1,998 over 60 months on $10,000intro rate
Requirements
Product: Deposit a minimum of $500. Dividends paid at maturity. Substantial penalty will be imposed for early withdrawal prior to maturity.
Offer: Dividends paid at maturity. Substantial penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Jun 1, 2026
Rate checked
More details - CrossRoads Community Federal Credit UnionTerm Share CertificateCD · 60 months · $1,000 min
Credit union · 1 branch
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Dividends are compounded and credited to account quarterly. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. Rates may change daily due to market conditions.
3.55% interest rate · Effective Feb 27, 2026
Rate checked
More details - Griffith Institute Employees Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.56%APY$356 over 1 year on $10,000intro rateRequirements
Product: Must be an employee of Griffith Institute or eligible family member (spouse, child, parent) and purchase a $5.00 share plus pay a one-time $1.00 fee to maintain membership. Minimum opening deposit of $1,000.00.
Offer: Certificate special
Promotional rate · 3.50% interest rate
Rate checked
More details - Great Erie Federal Credit UnionTerm Share Certificate AccountsCD · 6 months · $1,000 min
Credit union · 3 branches
3.55%APY$176 over 6 months on $10,0003.50% interest rate
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Erie County, NY
318 CDs at 43 banks and credit unions · checked Oct 6–22
- Typical
- 2.90%
- Top 10% from
- 4.00%
- Banks, typical
- 0.50%
- Credit unions, typical
- 3.28%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches