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 31–38 results in Onondaga County, NY · Showing Onondaga County, NY: too few institutions in Liverpool, NY
- 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 2.75%APY$275 over 1 year on $10,000intro rate
Requirements
Product: $500 minimum to open. Fixed rate. Early withdrawal penalties may apply and reduce earnings.
Promotional rate · 2.71% interest rate
Rate checked
More details - Cooperative Federal Credit Union12 Month Lucky SaversCD · 12 months · $25 min
Credit union · 3 branches
2.00%APY$200 over 1 year on $10,000Requirements
Product: Minimum balance of $25. Early withdrawal penalty may be imposed. Fees could reduce earnings. Insured by NCUA up to $250,000.
Effective Apr 2, 2026
Rate checked
More details - Westar Federal Credit UnionShare Certificate – Member Loyalty RatesCD · 48 months · $500 min
Credit union · 1 branch
0.70%APY$283 over 48 months on $10,000with conditionsRequirements
Product: Requires 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Minimum of $500, $250 for Star Savings. An early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed.
Offer: Member Loyalty Rates require 2 of the following: Direct Deposit, Visa Credit Card, Checking Account, or Automatic Loan Payment (from a Westar FCU account). Opening minimum is $500 ($250 for Star Savings). An early withdrawal penalty may apply.
Qualified rate
Rate checked
More details - 0.50%APY$202 over 48 months on $10,000
Requirements
Product: Rates effective since 08/12/2020; subject to change without notice. Penalty for early withdrawal applies.
Offer: 4 Year term; early withdrawal penalty applies.
0.50% interest rate · Effective Aug 12, 2020
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
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.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
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.
0.03% interest rate · Effective Oct 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 Onondaga County, NY
302 CDs at 28 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.13%
- Credit unions, typical
- 3.40%
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Syracuse, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- G.P.O. Federal Credit UnionCredit union · 1 branch
- AmeriCU Credit UnionCredit union · 9 branches
- Auburn Community Federal Credit UnionCredit union · 1 branch