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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 331–345 results in New York

  1. First Federal MiddletownCertificates of DepositCD · 30 months · $1,000 min

    Bank · 1 branch

    1.81%APY$459 over 30 months on $10,000
  2. RT Federal Credit UnionTerm Share CertificatesCD · 24 months · $1,000 min

    Credit union · 3 branches

    1.76%APY$355 over 24 months on $10,000
  3. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 87 branches

    1.76%APYwith conditions
  4. EmpireONE Federal Credit UnionCDCD · 36 months · $1,000 min

    Credit union · 2 branches

    1.76%APY$537 over 36 months on $10,000
  5. Top Carrot, Carrot Score 87
    Peoples Security Bank & TrustCertificates of DepositCD · 9 months · $1,000 min · 1.75%–2.90% by balance

    Bank · 2 branches

    1.75%APY$131 over 9 months on $10,000
  6. Customers Bank18 Month Promo CDCD · 18 months · $500 min

    Bank · 1 branch

    1.75%APY$264 over 18 months on $10,000
  7. Top Carrot, Carrot Score 88
    Fox Federal Credit UnionCertificatesCD · 48 months · $2,500 min

    Credit union · 1 branch

    1.71%APY$702 over 48 months on $10,000
  8. Top Carrot, Carrot Score 88
    Finger Lakes Federal Credit UnionCertificates (Term Share Accounts)CD · 36 months · $500 min

    Credit union · 4 branches

    1.66%APY$506 over 36 months on $10,000
  9. Division 726 Federal Credit UnionCertificatesCD · 24 months

    Credit union · 1 branch

    1.61%APY$325 over 24 months on $10,000
  10. Orange Bank & TrustCertificates of DepositCD · 6 months · $2,500 min

    Bank · 16 branches

    1.51%APY$75 over 6 months on $10,000
  11. The Heart Center FCUCertificateCD · 12 months · $2,500 min

    Credit union · 1 branch

    1.51%APY$151 over 1 year on $10,000
  12. The Bank of PrincetonCertificate of DepositCD · 3 months · $500 min

    Bank · 2 branches

    1.50%APY$37 over 3 months on $10,000
  13. 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
  14. SeaComm Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min

    Credit union · 7 branches

    1.40%APY$720 over 60 months on $10,000
  15. Niagara Falls Air Force Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min

    Credit union · 1 branch

    1.20%APY$364 over 36 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

What CDs pay in New York

2,156 CDs at 282 banks and credit unions · checked Oct 22–23

Typical
3.00%
Top 10% from
4.08%
Banks, typical
2.50%
Credit unions, typical
3.10%

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New York

Top Carrot institutions

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

  1. Quorum Federal Credit UnionCredit union · 1 branch
  2. Utica Gas & Electric Federal Credit UnionCredit union · 1 branch
  3. Salt City Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate