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 16–24 results in Syracuse, NY
- 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 - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - Cooperative Federal Credit UnionMember CertificatesCD · 13 months · $4,000 min · 3.45%–3.65% by balance
Credit union · 3 branches
3.45%APY$374 over 13 months on $10,000Requirements
Product: Dividends compounded and credited monthly and at maturity. Early withdrawal penalty may be imposed. Fees could reduce earnings. Special certificates roll over to regular certificate with closest term at maturity. Insured by NCUA up to $250,000.
Offer: At maturity, Special Certificates roll over to a regular Certificate with the closest term.
Effective Apr 2, 2026
Rate by balance
Rate by balance for Member Certificates Balance APY $4,000 and upYour amount 3.45% $50,000 and up 3.50% $100,000 and up 3.60% $245,000 and up 3.65% Rate checked
More details - 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 - 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 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