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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 46–60 results in New York

  1. Top Carrot, Carrot Score 95
    Affinity Federal Credit Union22-Month Promotional CertificateCD · 22 months · $500 min · 4.35%–4.45% by balance

    Credit union · 3 branches

    4.35%APY$812 over 22 months on $10,000intro rate
  2. TEG Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · 9 branches

    4.35%APY$1,363 over 36 months on $10,000
  3. The Bank of Princeton12-Month 4.25% Cranbury CD PromotionCD · 12 months

    Bank · 2 branches

    4.34%APY$434 over 1 year on $10,000intro rate
  4. Top Carrot, Carrot Score 87
    Actors Federal Credit UnionCertificate AccountCD · 11 months · $500 min

    Credit union · 1 branch

    4.33%APY$396 over 11 months on $10,000intro rate
  5. Top Carrot, Carrot Score 94
    Town of Cheektowaga Federal Credit UnionShare CertificatesCD · 48 months · $500 min

    Credit union · 1 branch

    4.32%APY$1,843 over 48 months on $10,000
  6. Top Carrot, Carrot Score 89
    Flagstar BankCertificates of Deposit (CD)CD · 12 months · $500 min

    Bank · 107 branches

    4.30%APY$430 over 1 year on $10,000intro rate
  7. Top Carrot, Carrot Score 90
    Bank of UticaCertificates of Deposit (CD)CD · 60–Unknown months · $1,000 min

    Bank · 1 branch

    4.30%APY
  8. Heritage Financial Credit UnionShare CertificateCD · 4 months · $500 min · 4.00%–4.25% by balance

    Credit union · 12 branches

    4.25%APY$140 over 4 months on $10,000
  9. Family First Federal Credit UnionCertificate AccountsCD · 5 months · $10,000 min

    Credit union · 5 branches

    4.25%APY$175 over 5 months on $10,000
  10. Top Carrot, Carrot Score 95
    Leatherstocking Credit UnionShare CertificatesCD · 6 months · $500 min

    Credit union · 1 branch

    4.25%APY$210 over 6 months on $10,000
  11. Top Carrot, Carrot Score 89
    Canandaigua National BankCNSaver Online CDCD · 6 months · $1,000 min

    Bank · 28 branches

    4.25%APY$210 over 6 months on $10,000
  12. Top Carrot, Carrot Score 99
    Ontario Shores FCUShare CertificatesCD · 6 months · $1,000 min

    Credit union · 5 branches

    4.25%APY$210 over 6 months on $10,000
  13. Amherst Federal Credit UnionTerm Share CertificatesCD · 6 months · $2,500 min

    Credit union · 1 branch

    4.25%APY$210 over 6 months on $10,000
  14. Top Carrot, Carrot Score 89
    Sunmark Credit UnionRegular Share CertificateCD · 6 months · $500 min

    Credit union · 16 branches

    4.25%APY$210 over 6 months on $10,000intro rate
  15. Top Carrot, Carrot Score 89
    Canandaigua National BankCD SpecialsCD · 7 months · $500 min

    Bank · 28 branches

    4.25%APY$246 over 7 months on $10,000with conditions

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 16–22

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