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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 31–45 results in New York

  1. Top Carrot, Carrot Score 96
    Marcus by Goldman SachsHigh-Yield CDCD · 12 months · $500 min

    Bank · 1 branch

    4.40%APY$440 over 1 year on $10,000
  2. NY TEAM Federal Credit UnionCertificateCD · 15 months · $1,000 min

    Credit union · 3 branches

    4.40%APY$553 over 15 months on $10,000
  3. HSBC USAOnline Certificate of Deposit (CD)CD · 24 months · $1,000 min

    Bank · 8 branches

    4.40%APY$899 over 24 months on $10,000with conditions
  4. HSBC USAWealth Center/Telephone Deposit Account CDsCD · 24 months · $1,000 min

    Bank · 8 branches

    4.40%APY$899 over 24 months on $10,000
  5. Top Carrot, Carrot Score 88
    Rhinebeck BankCertificate of DepositCD · 24 months · $2,000 min

    Bank · 12 branches

    4.40%APY$899 over 24 months on $10,000intro rate
  6. City National BankPersonal Certificates of DepositCD · 12 months · $2,500 min

    Bank · 6 branches

    4.39%APY$439 over 1 year on $10,000intro rate
  7. Top Carrot, Carrot Score 92
    First Choice Financial Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · 3 branches

    4.39%APY$1,875 over 48 months on $10,000
  8. Centra Credit UnionShare CertificatesCD · 8 months · $500 min

    Credit union · 1 branch

    4.35%APY$288 over 8 months on $10,000
  9. Top Carrot, Carrot Score 95
    Affinity Federal Credit Union8-Month Promotional CertificateCD · 8 months · $500 min

    Credit union · 3 branches

    4.35%APY$288 over 8 months on $10,000intro rate
  10. Top Carrot, Carrot Score 88
    The Summit Federal Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 15 branches

    4.35%APY$435 over 1 year on $10,000
  11. Top Carrot, Carrot Score 89
    International Bank of ChicagoCertificate of DepositCD · 12 months · $1,000 min · 1.50%–4.35% by balance

    Bank · 1 branch

    4.35%APY$435 over 1 year on $10,000
  12. Pacific National BankCertificates of DepositCD · 12 months

    Bank · 1 branch

    4.35%APY$435 over 1 year on $10,000intro rate
  13. Top Carrot, Carrot Score 95
    Affinity Federal Credit Union14-Month Promotional CertificateCD · 14 months · $500 min · 4.35%–4.45% by balance

    Credit union · 3 branches

    4.35%APY$509 over 14 months on $10,000intro rate
  14. KinectaCertificateCD · 18 months · $100 min

    Credit union · 3 branches

    4.35%APY$660 over 18 months on $10,000intro rate
  15. Top Carrot, Carrot Score 96
    Marcus by Goldman SachsRate Bump CDCD · 20 months · $500 min

    Bank · 1 branch

    4.35%APY$735 over 20 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

2,153 CDs at 282 banks and credit unions · checked Oct 16–22

Typical
3.00%
Top 10% from
4.05%
Banks, typical
2.50%
Credit unions, typical
3.05%

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New York

Top Carrot institutions

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

  1. Ontario Shores FCUCredit union · 5 branches
  2. Quorum Federal Credit UnionCredit union · 1 branch
  3. SJP Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate