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 1–15 results in Syracuse, NY
- Syracuse Fire Department Credit UnionTerm Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
5.00%APY$247 over 6 months on $10,000Requirements
Product: Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal.
Offer: Penalties may be imposed for early withdrawal.
4.89% interest rate · Effective Oct 9, 2026
Rate checked
More details - Crouse Federal Credit UnionCertificatesCD · 6 months · $1,000 min · 4.60%–4.86% by balance
Credit union · 1 branch
4.75%APY$235 over 6 months on $10,000Requirements
Product: Maximum Certificate per member: $250,000.00. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 4.60% $10,000 and upYour amount 4.75% $25,000 and up 4.86% Rate checked
More details - 4.50%APY$111 over 3 months on $10,000
Requirements
Product: Rates are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
Offer: The minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date.
4.40% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.
Offer: Includes 1x Bump Up feature.
4.43% interest rate · Effective Oct 9, 2026
Rate checked
More details - Broadview Federal Credit UnionFixed Rate CertificatesCD · 7 months · $500 min
Credit union · 3 branches
4.40%APY$254 over 7 months on $10,000with conditionsRequirements
Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).
Offer: Special promotional offer valid through 11/06/2026. Once the 7-month certificate matures, the funds will roll into a 6-month certificate and all terms and conditions of the new certificate will apply.
Qualified rate · 4.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Must be a member of The Summit FCU. Share certificate accounts automatically renew at maturity. 7-calendar-day grace period after maturity. Early withdrawal penalty applies (terms of 1 year or less: 90 days dividends; terms of more than 1 year: 180 days dividends).
Offer: 12 Months term. Penalty applies for early withdrawal. Additional deposits not allowed.
4.26% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Must be opened online.
Offer: Must be opened online. Auto renewal term: 6-month CNSaver Online CD.
Effective Oct 14, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000with conditions
Requirements
Offer: Ownership of an Optimum Checking account is required to obtain the APY.
Qualified rate · Effective Oct 14, 2026
Rate checked
More details - 4.10%APY$203 over 6 months on $10,000intro rate
Requirements
Product: Renew automatically at maturity. Minimum balance $1,000. Compounded and credited quarterly. Penalty may apply for early withdrawal. Rates prospective for period ending 9/30/26.
Offer: Compounded and credited quarterly. Penalty may apply for early withdrawal. Renew automatically at maturity.
Promotional rate · 4.04% interest rate · Effective Aug 18, 2026
Rate checked
More details - Pathfinder BankCertificates of DepositCD · 18 months · $1,000 min · 4.05%–4.15% by balance
Bank · 2 branches
4.05%APY$614 over 18 months on $10,000with conditionsRequirements
Product: Penalty for early withdrawal. Terms from 30 days to 7 years. Minimum deposit for CDs may vary based on CD product.
Offer: 18 Month CD Special with Active Account. Customer must have a checking or savings account that they actively use (is not dormant) to qualify for this product. Early withdrawal is subject to penalty.
Qualified rate · 3.98% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 4.05% $100,000 and up 4.15% 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 - 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Promotional rate · 3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Offer: Certificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.92% interest rate
Rate checked
More details - 4.00%APY$606 over 18 months on $10,000intro rate
Requirements
Product: Fixed dividend rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required. Insured by the NCUA. Withdrawals of principal are subject to early withdrawal penalties.
Offer: Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required.
Promotional rate · 3.92% interest rate · Effective Oct 16, 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
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 Syracuse, NY
186 CDs at 17 banks and credit unions · checked Oct 16
- Typical
- 2.00%
- Top 10% from
- 4.15%
- Banks, typical
- 0.93%
- Credit unions, typical
- 3.50%
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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