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 1–6 results in Newburgh, NY
- 4.35%APY$1,363 over 36 months on $10,000
Requirements
Product: Membership requires a $5 minimum share account balance. Open to anyone who lives, works, worships, or attends school in Dutchess, Orange, Ulster, Putnam, Rockland, Sullivan, and Westchester County, NY. Dividends paid monthly. Penalty fee for early withdrawal.
Offer: $500 minimum daily balance to earn the disclosed annual percentage yield. Early withdrawal penalties may reduce earnings.
4.27% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - Wallkill Valley Federal Savings & LoanCertificates of DepositCD · 24 months · $2,500 min
Bank · 1 branch
3.90%APY$795 over 24 months on $10,000Requirements
Product: Rates subject to change without notice. Penalties may be imposed for withdrawals made or closing account prior to maturity. FDIC insured.
3.77% interest rate · Effective Sep 28, 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 - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 1.51%APY$75 over 6 months on $10,000
Requirements
Product: The minimum deposit to open a Certificate of Deposit is $2,500. A monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals may be imposed.
Offer: A monthly service charge may be imposed if the balance goes below the minimum balance requirement or a penalty for early withdrawals on certificate of deposit accounts may be imposed. Fees could reduce earnings.
1.50% interest rate · Effective Dec 11, 2025
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 Newburgh, NY
46 CDs at 5 banks and credit unions · checked Oct 16–22
- Typical
- 1.76%
- Top 10% from
- 4.03%
- Banks, typical
- 1.51%
- Credit unions, typical
- 3.95%
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Kiryas Joel, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- International Bank of ChicagoBank · 1 branch
- Navy Federal Credit UnionCredit union · 1 branch