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 316–330 results in New York
- 2.02%APY$202 over 1 year on $10,000intro rate
Requirements
Product: New money only
Offer: New money only
Promotional rate · 2.00% interest rate
Rate checked
More details - 2.02%APY$100 over 6 months on $10,000
2.00% interest rate · Effective Apr 1, 2026
Rate checked
More details - Niagara Falls Teachers Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 1 branch
2.00%APY$200 over 1 year on $10,000intro rateRequirements
Product: Certain penalties apply if funds are withdrawn prior to account maturity. Please refer to the "Truth-in-Savings Disclosure" for Share Certificate Accounts for details.
Promotional rate · Balance cap $50,000 · Effective Oct 16, 2026
Rate checked
More details - Academic Federal Credit UnionFLEX Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
2.00%APY$200 over 1 year on $10,000Requirements
Product: Deposit money into the account whenever you want without extending maturity date; can set up direct paycheck dispersion.
1.98% 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 - 2.00%APY$404 over 24 months on $10,000intro rate
Requirements
Product: Available In Branch or through banking teams. Automatically renews at maturity to Regular 24 Month CD.
Offer: Fixed rate paid for 2 years. Minimum balance to earn APY is $500.00. Interest compounded and credited monthly.
Promotional rate · 1.98% interest rate · Effective Sep 17, 2026
Rate checked
More details - 2.00%APY$612 over 36 months on $10,000
Requirements
Product: When a Share Certificate matures, it will automatically renew for the same term as the original term, with a 7-day grace period after maturity to withdraw funds without penalty or change renewal terms. Minimum balance is the entire deposit.
Offer: Fixed at 36 months. Minimum balance is entire deposit.
Rate checked
More details - 1.99%APY$199 over 1 year on $10,000
Requirements
Product: A Lucky Savers Account is a 12 month Building Share Certificate for PAFCU Members 18 years and older. Fixed rate certificate.
1.97% interest rate · Effective Oct 10, 2026
Rate checked
More details - People's Alliance Federal Credit UnionBuilding Share Certificate AccountCD · 12 months
Credit union · 7 branches
1.99%APY$199 over 1 year on $10,000Requirements
Product: Fixed rate. Dividends compounded and credited monthly. Penalty of 30 days' dividends for early withdrawal of funds before maturity. Renews automatically at maturity with a 7 calendar day grace period.
1.97% interest rate · Effective Sep 26, 2026
Rate checked
More details - People's Alliance Federal Credit UnionEducation Share CertificateCD · 12 months
Credit union · 7 branches
1.99%APY$199 over 1 year on $10,000Requirements
Product: Fixed rate certificate.
1.97% interest rate · Effective Sep 26, 2026
Rate checked
More details - 1.97%APY$197 over 1 year on $10,000
1.95% interest rate
Rate checked
More details - 1.90%APY$174 over 11 months on $10,000
Requirements
Product: $10,000 minimum deposit required to open and maintain. Subject to a $25.00 monthly minimum balance fee if the daily balance requirement is not maintained.
Offer: Assessed $25.00 per month if minimum daily balance requirement of $10,000.00 is not maintained.
1.88% interest rate · $25 monthly fee
Rate checked
More details - Academic Federal Credit UnionLiquid Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
1.90%APY$190 over 1 year on $10,000Requirements
Product: Deposit additional funds at any time for no fee; withdraw money once a month for no fee.
1.89% interest rate
Rate checked
More details - 1.81%APY$459 over 30 months on $10,000
Requirements
Product: With terms between six (6) and thirty (30) months (also offering 42 months on rate schedule) and a low minimum balance of $1,000. Interest compounded daily and credited monthly or quarterly depending upon preference. Early withdrawal penalty applies; automatic renewal with 7 calendar day grace period.
Offer: Term is 30 months. Early withdrawal penalty of 6 months interest.
1.80% interest rate · Compounded daily · Effective Jan 2, 2026
Rate checked
More details - 1.76%APY$355 over 24 months on $10,000
Requirements
Product: Restricts access to funds until maturity date is reached. Dividends are compounded and paid quarterly. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Minimum balance to earn dividends is $1,000. Dividends compounded and paid quarterly.
1.75% interest rate · Effective May 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
* 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