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 31–37 results in Monroe County, NY · Showing Monroe County, NY: too few institutions in Webster, NY
- Finger Lakes Federal Credit UnionCertificates (Term Share Accounts)CD · 36 months · $500 min
Credit union · 2 branches
1.66%APY$506 over 36 months on $10,000Requirements
Product: Funds must remain on deposit for the term selected to earn the stated dividend rate and APY. A penalty may apply for early withdrawal and the CD may be closed if the balance falls below the minimum threshold. Dividend period is quarterly (calendar) for 18-month and 1, 2, 3, 4 & 5-year CDs; monthly for 3 & 6-month CDs along with 9-month add-on CDs. Subject to a minimum deposit of $500.00. No monthly service fees.
Offer: Quarterly (calendar) dividend period.
1.65% interest rate · Effective Oct 1, 2026
Rate checked
More details - Gates Chili Federal Credit UnionCertificates of DepositCD · 12 months · $500 min
Credit union · 1 branch
1.50%APY$150 over 1 year on $10,000 - 0.40%APY$161 over 48 months on $10,000
Requirements
Product: Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.
0.40% interest rate · Compounded daily
Rate checked
More details - 0.20%APY$100 over 60 months on $10,000intro rate
Requirements
Product: Minimum opening deposit and balance to obtain APY is $500. Guaranteed APY for the initial 6 months of the 24-month term or 12 months of the 60-month term. Thereafter, ESL may call the certificate once every six months; if not called, the original APY remains fixed for each six-month period. Early withdrawal penalty is 180 days of dividends.
Offer: Guaranteed APY for the initial 12 months, after which ESL may call the certificate once every 6 months.
Promotional rate · 0.20% interest rate
Rate checked
More details - Alternatives Federal Credit UnionLucky Savers CertificateCD · 12 months · $25 min
Credit union · 1 branch
0.15%APY$15 over 1 year on $10,000Requirements
Product: 12-month certificate term. Restricted to one withdrawal in the 12-month period subject to a $25 early withdrawal penalty; more than one withdrawal closes account and forfeits prize entries/future prizes. If closed before maturity, all earned dividends will be forfeited. Each $25 deposit earns entry into prize drawings (up to 10 entries/month). Membership eligibility applies.
0.15% interest rate · Effective Sep 1, 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 Monroe County, NY
266 CDs at 29 banks and credit unions · checked Oct 16–17
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.50%
- Credit unions, typical
- 2.78%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Rochester, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 1 branch
- Pittsford Federal Credit UnionCredit union · 2 branches
- Canandaigua National BankBank · 26 branches