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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 91–105 results in New York

  1. Valley6-Month CD PromotionCD · 6 months · $500 min

    Bank · 41 branches

    4.10%APY$203 over 6 months on $10,000intro rate
  2. Top Carrot, Carrot Score 89
    Salt City Federal Credit UnionShare CertificatesCD · 6 months · $1,000 min

    Credit union · 2 branches

    4.10%APY$203 over 6 months on $10,000intro rate
  3. Top Carrot, Carrot Score 91
    GHS FCUShare CertificateCD · 12 months · $500 min

    Credit union · 2 branches

    4.10%APY$410 over 1 year on $10,000
  4. Top Carrot, Carrot Score 88
    Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance

    Credit union · 4 branches

    4.10%APY$621 over 18 months on $10,000
  5. Italo American FCUCdsCD · 6 months

    Credit union · 1 branch

    4.08%APY$202 over 6 months on $10,000
  6. Generations United Federal Credit Union7-Month CertificateCD · 7 months · $100 min

    Credit union · 1 branch

    4.08%APY$236 over 7 months on $10,000intro rate
  7. The Bank of Princeton11-Month CD PromotionCD · 11 months

    Bank · 2 branches

    4.08%APY$373 over 11 months on $10,000intro rate
  8. Top Carrot, Carrot Score 89
    Municipal Credit Union12 Month Share Certificate - $5K New MoneyCD · 12 months · $5,000 min

    Credit union · 15 branches

    4.07%APY$407 over 1 year on $10,000intro rate
  9. Top Carrot, Carrot Score 94
    American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min

    Credit union · 4 branches

    4.07%APY$2,208 over 60 months on $10,000
  10. O&R Utilities Employees Federal Credit UnionCertificate of DepositCD · 60 months · $500 min

    Credit union · 1 branch

    4.07%APY$2,208 over 60 months on $10,000
  11. Utica District Telephone Employees Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.06%APY$406 over 1 year on $10,000
  12. Adirondack Trust CompanyCertificate of DepositCD · 3 months · $500 min

    Bank · 13 branches

    4.06%APY$100 over 3 months on $10,000intro rate
  13. Rochester & Monroe County Employees Federal Credit UnionSavings CertificatesCD · 11 months · $500 min

    Credit union · 2 branches

    4.06%APY$372 over 11 months on $10,000
  14. Top Carrot, Carrot Score 94
    American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min

    Credit union · 4 branches

    4.05%APY$200 over 6 months on $10,000
  15. People's Alliance Federal Credit UnionShare CertificateCD · 10 months · $1,000 min

    Credit union · 7 branches

    4.05%APY$336 over 10 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