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 211–225 results in New York
- Griffith Institute Employees Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.56%APY$356 over 1 year on $10,000intro rateRequirements
Product: Must be an employee of Griffith Institute or eligible family member (spouse, child, parent) and purchase a $5.00 share plus pay a one-time $1.00 fee to maintain membership. Minimum opening deposit of $1,000.00.
Offer: Certificate special
Promotional rate · 3.50% interest rate
Rate checked
More details - 3.56%APY$386 over 13 months on $10,000
Requirements
Product: Minimum deposit is $1,000.00. Early withdrawal penalty may apply. Dividends can be transferred to other SLFCU shares each month without penalty.
Offer: 13 Month SPECIAL
3.50% interest rate · Effective Jun 1, 2026
Rate checked
More details - 3.56%APY$386 over 13 months on $10,000with conditions
Requirements
Product: Special certificate of deposit offerings. Interest compounded monthly and credited at month-end and at maturity.
Offer: Relationship rate. Must maintain both a Rewards Checking Account and a Rewards Savings Account relationship to open this account.
Qualified rate · 3.50% interest rate · Compounded monthly · Effective Sep 29, 2026
Rate checked
More details - 3.55%APY$88 over 3 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - Great Erie Federal Credit UnionTerm Share Certificate AccountsCD · 6 months · $1,000 min
Credit union · 3 branches
3.55%APY$176 over 6 months on $10,0003.50% interest rate
Rate checked
More details - 3.55%APY$355 over 1 year on $10,000
3.48% interest rate · Effective Oct 16, 2026
Rate checked
More details - First Citizens Community BankCertificates of Deposit (CDs)CD · 12–23 months · $10,000 min · 3.55%–4.06% by balance
Bank · 1 branch
3.55%APYRequirements
Product: A penalty may be imposed for early withdrawal. A withdrawal will reduce earnings. Interest compounded quarterly.
3.50% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY $10,000 – $24,999Your amount 3.55% $100,000 and up 4.06% Rate checked
More details - 3.55%APY$723 over 24 months on $10,000
Requirements
Product: Minimum balance of $500 required. Early withdrawal penalties apply (up to 12 months: 3 months worth of dividends; 24 months: 6 months worth of dividends).
3.50% interest rate · Effective Oct 1, 2025
Rate checked
More details - 3.55%APY$1,103 over 36 months on $10,000
Requirements
Product: Guaranteed fixed quarterly dividends. Substantial penalty for early withdrawal. Fees may reduce earnings on account. Membership required (enrolled member or employee of Seneca Nation of Indians or affiliates, or immediate family/household).
3.50% interest rate
Rate checked
More details - 3.51%APY$714 over 24 months on $10,000
Requirements
Product: Dividend Rate and APY are fixed for the term. Fixed APY assumes dividends remain on deposit until maturity. Compounded daily, credited monthly. Additional deposits not permitted after opening. Automatically renewable with a 7-day grace period. Early withdrawal penalty applies.
Offer: 24-Month term. Early withdrawal penalty is 6 months' dividends.
3.45% interest rate · Compounded daily · Effective Aug 17, 2026
Rate checked
More details - 3.50%APY$86 over 3 months on $10,000
Requirements
Product: The minimum balance to open and obtain the APY for Certificates of Deposits (CDs) 1-6 months is $500. The minimum balance to open and obtain the APY for CDs 12-60months is $1,000. A penalty may be imposed for withdrawals before maturity on CDs. Fees may reduce earnings. Offer and rates may change without prior notice.
3.44% interest rate · Effective Sep 17, 2026
Rate checked
More details - Genesee Valley FCUCertificatesCD · 5 months · $500 min · 3.50%–3.60% by balance
Credit union · 4 branches
3.50%APY$144 over 5 months on $10,000Requirements
Product: Minimum deposit $500.00. Jumbo CD's ($75,000 or greater) add 0.10% to APY.
Offer: Must have a Premium Checking account to be eligible.
3.45% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificates Balance APY Up to $75,000Your amount 3.50% $75,000 and upJumbo CD ($75,000 or greater) adds 0.10% to APY. 3.60% Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
Offer: $500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY.
Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: All share certificates have a fixed term, ranging from 6 months to 48 months. Benefits include: $500 minimum balance, federally insured, early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed. Membership restrictions apply.
Offer: Early withdrawal penalty may apply. Dividends are based on Credit Union earnings and cannot be guaranteed.
Effective Jul 1, 2026
Rate checked
More details - 3.50%APY$173 over 6 months on $10,000intro rate
Requirements
Product: Limit $249,999.99 per client. Penalty for early withdrawal/closing.
Promotional rate · Balance cap $249,999.99 · Effective Jul 13, 2025
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
* 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%
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