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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–9 results in Saratoga Springs, NY
- Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.06%APY$100 over 3 months on $10,000intro rate
Requirements
Product: Early withdrawal penalty applies. Fees may reduce earnings. APY assumes principal and interest remain on deposit until maturity.
Offer: Compounded Simple. CD special is available at any Adirondack Trust Company retail branch location. Offer good for a limited time only.
Promotional rate · 4.00% interest rate · Balance cap $1,000,000 · Effective Feb 18, 2026
Rate checked
More details - 4.00%APY$132 over 4 months on $10,000intro rate
Requirements
Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.
Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.
Promotional rate · 3.93% interest rate · Effective Jan 5, 2026
Rate checked
More details - BSNB, Coxsackie Bank DivisionPersonal Certificates of Deposits (CDs)CD · 9 months · $500 min
Bank · 1 branch
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Promotional CD products automatically renew to a non-promotional CD product upon maturity. Early withdrawal penalties may be imposed and reduce earnings.
Offer: 9 month special. Minimum to open account and earn interest is $500. Automatically renews to a non-promotional CD product.
Promotional rate · 3.96% interest rate · Effective Aug 21, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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 - 3.15%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 - Saratoga's Community Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 1 branch
2.50%APY$250 over 1 year on $10,000intro rateRequirements
Product: Calculations are based on interest accrued daily, paid and compounded monthly. $500 minimum deposit on certificates. Early withdrawal penalty applies (30 days dividends for 30 to 60 days certificates; 90 days dividends for all other certificates). Balances over $250,000 not insured by NCUSIF.
Offer: Promotional rate; new money required.
Promotional rate · 2.47% interest rate · Compounded monthly
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 Saratoga Springs, NY
53 CDs at 6 banks and credit unions · checked Oct 4–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 0.63%
- Credit unions, typical
- 2.50%
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Albany, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sunmark Credit UnionCredit union · 14 branches
- TCT FCUCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch