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 196–210 results in New York
- 3.75%APY$568 over 18 months on $10,000
3.70% interest rate
Rate checked
More details - The First National Bank of GrotonCertificates of DepositCD · 35 months · $2,500 min
Bank · 2 branches
3.75%APY$1,134 over 35 months on $10,000Requirements
Product: Compounded daily. Early withdrawals subject to penalty. Automatically renews (except for Renewable Once CDs). No setup or maintenance fees.
Offer: Special rate for at least 50% new money only; funds currently or recently on deposit are not eligible. Non-public institutions only. IRAs not eligible.
3.68% interest rate · Compounded daily · Effective Sep 22, 2026
Rate checked
More details - 3.71%APY$1,998 over 60 months on $10,000intro rate
Requirements
Product: Deposit a minimum of $500. Dividends paid at maturity. Substantial penalty will be imposed for early withdrawal prior to maturity.
Offer: Dividends paid at maturity. Substantial penalty for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Jun 1, 2026
Rate checked
More details - 3.70%APY$183 over 6 months on $10,000
Requirements
Product: Minimum investment of $500.00 ($10,000.00 for 9 Months Special). Maximum investment of $100,000.00 per account. Early withdrawal penalties may apply.
3.70% interest rate · Balance cap $100,000 · Effective Sep 29, 2026
Rate checked
More details - 3.70%APY$183 over 6 months on $10,000
Requirements
Product: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions. Daily balance method used. No additional deposits permitted. No withdrawals during first 7 calendar days after initial deposit. Automatically renews with a 10-day grace period.
Offer: Rate guaranteed for the full term of the CD. Penalty for early withdrawal. Offer not available to brokers or financial institutions.
3.63% interest rate · Effective Dec 18, 2025
Rate checked
More details - 3.70%APY$754 over 24 months on $10,000
Requirements
Product: Available In Branch and Online. Automatically renews at maturity.
Offer: Fixed rate for 24 months. No minimum deposit required to open. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
3.64% interest rate · Effective Sep 25, 2026
Rate checked
More details - 3.69%APY$91 over 3 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. Automatically renews at term end with a 7-day grace period. No monthly maintenance fees.
3.63% interest rate
Rate checked
More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Membership eligibility is required.
3.60% interest rate · Effective Sep 1, 2025
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More details - 3.60%APY$178 over 6 months on $10,000
3.54% interest rate · Effective Oct 5, 2026
Rate checked
More details - Popular BankPopular Private Client Certificate of DepositCD · 6 months · $1,000 min · 3.60%–3.80% by balance
Bank · 20 branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Exclusive to Popular Private Client customers. Minimum deposit of $1,000 required to open. Early withdrawal penalty applies. Daily compound interest credited monthly, quarterly, semi-annually, annually, or at maturity.
Offer: Must visit a branch location to open a 6-month CD.
3.54% interest rate · Effective May 26, 2026
Rate by balance
Rate by balance for Popular Private Client Certificate of Deposit Balance APY $1,000 – $25,000Your amount 3.60% $25,000 – $100,000 3.65% $100,000 – $250,000 3.70% $250,000 – $1,000,000 3.75% $1,000,000 and up 3.80% Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
Rate checked
More details - Upstate National BankCertificates of DepositsCD · 24 months · $1,000 min · 3.60%–3.85% by balance
Bank · 3 branches
3.60%APY$733 over 24 months on $10,0003.54% interest rate · Effective Jun 12, 2026
Rate by balance
Rate by balance for Certificates of Deposits Balance APY $1,000 and upYour amount 3.60% $50,000 and up 3.85% Rate checked
More details - CrossRoads Community Federal Credit UnionTerm Share CertificateCD · 60 months · $1,000 min
Credit union · 1 branch
3.60%APY$1,934 over 60 months on $10,000Requirements
Product: Dividends are compounded and credited to account quarterly. APY assumes all dividends remain in the certificate until maturity; withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. Rates may change daily due to market conditions.
3.55% interest rate · Effective Feb 27, 2026
Rate checked
More details - Greece Community Federal Credit UnionShare CertificatesCD · 6 months · $500 min
Credit union · 1 branch
3.56%APY$176 over 6 months on $10,000Requirements
Product: Rates are subject to change and are dependent upon credit rating. Minimum deposit is $500. The dividend is paid at maturity. Early withdrawal penalties apply.
3.50% interest rate · Effective Oct 16, 2026
Rate checked
More details - The Finest Federal Credit UnionShare Certificates (CDs)CD · 12 months · $500 min
Credit union · 1 branch
3.56%APY$356 over 1 year on $10,000Requirements
Product: Membership eligibility includes NYS (City, State, Federal) Law Enforcement personnel, retirees, and family members. $500 minimum deposit. Fixed rate. Dividends compound daily and are paid monthly. Automatically renews upon maturity with a 7 business day grace period. Penalty for early withdrawal is 90 days of simple interest at the certificate rate. Insured up to $250,000 by NCUA.
Effective Mar 29, 2024
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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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch