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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.

Term
Location

Top CD rates

Showing 1–15 results in Buffalo, NY

  1. Top Carrot, Carrot Score 89
    Ukrainian Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · 1 branch

    4.50%APY$1,412 over 36 months on $10,000
  2. Top Carrot, Carrot Score 87
    Broadview Federal Credit UnionFixed Rate CertificatesCD · 7 months · $500 min

    Credit union · 1 branch

    4.40%APY$254 over 7 months on $10,000with conditions
  3. Top Carrot, Carrot Score 88
    The Summit Federal Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 1 branch

    4.35%APY$435 over 1 year on $10,000
  4. NBT BankPortland Bayside: Exclusive CD Rate PromoCD · 4 months · $1,000 min

    Bank · 3 branches

    4.00%APY$132 over 4 months on $10,000intro rate
  5. M&T BankM&T Select Certificate of DepositCD · 18 months · $1,000 min

    Bank · 15 branches

    3.85%APY$583 over 18 months on $10,000with conditions
  6. Cadets Federal Credit UnionShare Certificate AccountsCD · 48 months · $1,000 min · 3.80%–4.06% by balance

    Credit union · 1 branch

    3.80%APY$1,610 over 48 months on $10,000
  7. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 6 branches

    3.75%APY$217 over 7 months on $10,000
  8. Five Star BankSpecial CDCD · 11 months · $500 min

    Bank · 3 branches

    3.75%APY$343 over 11 months on $10,000
  9. KeyBankKey Tiered CD With Relationship RewardsCD · 12 months · $2,500 min

    Bank · 12 branches

    3.75%APY$375 over 1 year on $10,000with conditions
  10. Top Carrot, Carrot Score 91
    BufMet Credit UnionShare CertificatesCD · 60 months · $500 min

    Credit union · 1 branch

    3.71%APY$1,998 over 60 months on $10,000intro rate
  11. Top Carrot, Carrot Score 96
    Great Erie Federal Credit UnionTerm Share Certificate AccountsCD · 6 months · $1,000 min

    Credit union · 1 branch

    3.55%APY$176 over 6 months on $10,000
  12. Kaleida Health Federal Credit UnionCertificates of DepositCD · 24 months · $500 min

    Credit union · 2 branches

    3.50%APY$712 over 24 months on $10,000
  13. Top Carrot, Carrot Score 88
    ONE Credit UnionTerm Share CertificateCD · 12 months · $500 min

    Credit union · 1 branch

    3.45%APY$345 over 1 year on $10,000
  14. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 1 branch

    3.30%APY$219 over 8 months on $10,000with conditions
  15. Top Carrot, Carrot Score 89
    Good NeighborsCDsCD · 24 months · $500 min

    Credit union · 1 branch

    3.29%APY$669 over 24 months on $10,000

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 Buffalo, NY

152 CDs at 15 banks and credit unions · checked Oct 4–16

Typical
2.00%
Top 10% from
3.75%
Banks, typical
0.10%
Credit unions, typical
3.34%

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Buffalo, NY metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Ontario Shores FCUCredit union · 4 branches
  2. SJP Federal Credit UnionCredit union · 1 branch
  3. Niagara's ChoiceCredit union · 5 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate