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 376–384 results in New York
- Alternatives Federal Credit UnionLucky Savers CertificateCD · 12 months · $25 min
Credit union · 2 branches
0.15%APY$15 over 1 year on $10,000Requirements
Product: 12-month certificate term. Restricted to one withdrawal in the 12-month period subject to a $25 early withdrawal penalty; more than one withdrawal closes account and forfeits prize entries/future prizes. If closed before maturity, all earned dividends will be forfeited. Each $25 deposit earns entry into prize drawings (up to 10 entries/month). Membership eligibility applies.
0.15% interest rate · Effective Oct 23, 2026
Rate checked
More details - Cooper's Cave Federal Credit UnionCertificate of Deposit (CD)CD · 24 months · $1,000 min
Credit union · 1 branch
0.15%APY$30 over 24 months on $10,000Requirements
Product: Minimum $1,000 certificate deposit. Rates on Average Daily Balance for the month. Annual Percentage Yield (APY*) assumes that the principal and interest are on deposit for one year at the same rate. All rates are subject to change without advance notice.
Offer: Early Withdrawal Penalty: 120 Days of Dividend. Minimum $1,000 certificate deposit.
0.15% interest rate · Effective Mar 1, 2021
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More details - 0.15%APY$30 over 24 months on $10,000
Requirements
Product: Any amount of money, anytime!
Offer: Full
0.15% interest rate
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More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Maturity terms from 1-60 months. Interest compounded annually on CDs over one year. Automatic renewal. Penalty for early withdrawal. $1,000 minimum opening deposit.
Compounded annually · Effective Apr 1, 2024
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More details - 0.10%APY$25 over 30 months on $10,000intro rate
Requirements
Offer: Months 21-30
Promotional rate · 0.15% interest rate · Effective Oct 22, 2026
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More details - 0.09%APY$9 over 1 year on $10,000
Requirements
Product: Earns a monthly dividend.
0.09% interest rate · Effective Jan 1, 2023
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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More details - USAA Federal Savings BankAdjustable Rate Certificate of DepositCD · 36 months · $1,000 min
Bank · 1 branch
0.01%APY$3 over 36 months on $10,000Requirements
Product: Allows a one-time adjustment to the new rate, up to 2% higher, if interest rates rise. Exclusively for USAA members. Early withdrawal penalty applies. Minimum initial deposit: $1,000 for Standard, $95,000 for Jumbo, $175,000 for Super Jumbo.
Offer: Standard CD, 3 years term.
0.01% interest rate · Effective Oct 3, 2026
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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
2,156 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
- Quorum Federal Credit UnionCredit union · 1 branch
- Ontario Shores FCUCredit union · 5 branches
- SJP Federal Credit UnionCredit union · 1 branch