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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 76–90 results in New York

  1. Sawyer Savings BankCertificates of DepositCD · 16 months · $500 min

    Bank · 4 branches

    4.25%APY$571 over 16 months on $10,000
  2. Rondout Savings BankCertificates of DepositCD · 30 months · $500 min

    Bank · 5 branches

    4.25%APY$1,097 over 30 months on $10,000
  3. Top Carrot, Carrot Score 90
    SUMA Federal Credit UnionShare CertificateCD · 60 months · $1,000 min

    Credit union · 2 branches

    4.25%APY$2,313 over 60 months on $10,000
  4. Top Carrot, Carrot Score 95
    Self Reliance Financial Federal Credit UnionCertificateCD · 12 months · $500 min

    Credit union · 5 branches

    4.24%APY$424 over 1 year on $10,000
  5. First Citizens Community BankCertificate of Deposit SpecialsCD · 17 months · $10,000 min · 4.22%–4.32% by balance

    Bank · 1 branch

    4.22%APY$603 over 17 months on $10,000with conditions
  6. Spencerport Federal Credit UnionShare CertificatesCD · 12 months · $500 min

    Credit union · 1 branch

    4.21%APY$421 over 1 year on $10,000
  7. Hanover BankCertificate of DepositsCD · 13 months · $500 min

    Bank · 9 branches

    4.20%APY$456 over 13 months on $10,000
  8. OceanFirst Bank9 Month CD SpecialCD · 9 months · $5,000 min

    Bank · 36 branches

    4.18%APY$312 over 9 months on $10,000with conditions
  9. Encompass Niagara Federal Credit UnionRegular CertificateCD · 18 months · $1,000 min

    Credit union · 1 branch

    4.18%APY$634 over 18 months on $10,000
  10. Western Division Federal Credit UnionSavings CertificatesCD · 10 months · $5,000 min

    Credit union · 2 branches

    4.16%APY$345 over 10 months on $10,000intro rate
  11. Top Carrot, Carrot Score 95
    Utica Gas & Electric Federal Credit UnionShare CertificatesCD · 6 months · $500 min

    Credit union · 1 branch

    4.15%APY$205 over 6 months on $10,000
  12. Justice Federal Credit UnionSpecial 10-Month Share CertificateCD · 10 months · $500 min

    Credit union · 1 branch

    4.15%APY$345 over 10 months on $10,000with conditions
  13. Mid-Hudson Valley Federal Credit UnionCertificatesCD · 15 months · $500 min

    Credit union · 12 branches

    4.15%APY$521 over 15 months on $10,000
  14. Popular BankPopular CDCD · 25 months · $1,000 min · 4.15%–4.35% by balance

    Bank · 20 branches

    4.15%APY$884 over 25 months on $10,000
  15. FourLeaf Federal Credit UnionFourLeaf Certificate AccountCD · 60 months · $50 min

    Credit union · 37 branches

    4.15%APY$2,255 over 60 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

* 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