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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.

Term
Location

Top CD rates

Showing 151–165 results in New York

  1. Hudson Valley Credit UnionFlex Certificate AccountCD · 12 months · $750 min

    Credit union · 41 branches

    3.88%APY$388 over 1 year on $10,000
  2. Top Carrot, Carrot Score 88
    Inner Lakes Federal Credit UnionCertificate of DepositCD · 48 months · $1,000 min

    Credit union · 3 branches

    3.87%APY$1,640 over 48 months on $10,000
  3. Customers Bank3 Month CDCD · 3 months · $500 min

    Bank · 1 branch

    3.85%APY$95 over 3 months on $10,000
  4. Top Carrot, Carrot Score 93
    Buffalo Conrail Federal Credit UnionShare CertificatesCD · 6 months · $500 min

    Credit union · 1 branch

    3.85%APY$191 over 6 months on $10,000
  5. Maple City Savings BankCertificates of Deposit (CDs)CD · 6 months · $1,000 min

    Bank · 2 branches

    3.85%APY$191 over 6 months on $10,000
  6. Top Carrot, Carrot Score 89
    Cornerstone Community Federal Credit UnionShare CertificateCD · 9 months · $500 min

    Credit union · 7 branches

    3.85%APY$287 over 9 months on $10,000
  7. Alliance Niagara Federal Credit UnionCertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    3.85%APY$385 over 1 year on $10,000
  8. Reliant Credit UnionInvestor CertificateCD · 12 months · $1,000 min

    Credit union · 10 branches

    3.85%APY$385 over 1 year on $10,000
  9. M&T BankM&T Select Certificate of DepositCD · 18 months · $1,000 min

    Bank · 271 branches

    3.85%APY$583 over 18 months on $10,000with conditions
  10. Long Island Alliance FCUShare CertificateCD · 24 months · $1,000 min

    Credit union · 1 branch

    3.82%APY$779 over 24 months on $10,000
  11. Top Carrot, Carrot Score 89
    TrailNorth Federal Credit UnionShare CertificatesCD · 6–12 months · $500 min

    Credit union · 3 branches

    3.82%APY
  12. Finger Lakes Health Care Federal Credit UnionCertificates of DepositCD · 12 months · $1,000 min

    Credit union · 1 branch

    3.82%APY$382 over 1 year on $10,000
  13. Top Carrot, Carrot Score 89
    Municipal Credit UnionShare CertificateCD · 36 months · $500 min

    Credit union · 15 branches

    3.82%APY$1,190 over 36 months on $10,000
  14. Top Carrot, Carrot Score 87
    Boulevard Federal Credit UnionShare CertificateCD · 48 months

    Credit union · 1 branch

    3.82%APY$1,618 over 48 months on $10,000
  15. Top Carrot, Carrot Score 88
    Greater Chautauqua Federal Credit UnionShare CertificatesCD · 60 months · $500 min

    Credit union · 4 branches

    3.80%APY$2,052 over 60 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.

What CDs pay in New York

2,153 CDs at 282 banks and credit unions · checked Oct 16–23

Typical
3.00%
Top 10% from
4.05%
Banks, typical
2.50%
Credit unions, typical
3.05%

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New York

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Ontario Shores FCUCredit union · 5 branches
  2. Quorum Federal Credit UnionCredit union · 1 branch
  3. SJP Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate