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 106–120 results in New York
- 4.05%APY$405 over 1 year on $10,000intro rate
Requirements
Product: Minimum balance to open account and obtain the APY is $500. Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties. Dividends compounded monthly, credited monthly. Choose from a wide range of terms, from 3 months to 5 years. Membership eligibility required. Special promotional certificate products (7-Month, 12-Month, 18-Month) are not eligible for IRA certificates.
Offer: Upon maturity, the 12-month certificate will automatically roll into a 12-month Share Certificate at the prevailing rate unless alternate instructions are provided. Membership eligibility required. Not eligible for IRA certificates.
Promotional rate · 3.98% interest rate · Compounded monthly · Effective Oct 22, 2026
Rate checked
More details - Pathfinder BankCertificates of DepositCD · 18 months · $1,000 min · 4.05%–4.15% by balance
Bank · 12 branches
4.05%APY$614 over 18 months on $10,000with conditionsRequirements
Product: Penalty for early withdrawal. Terms from 30 days to 7 years. Minimum deposit for CDs may vary based on CD product.
Offer: 18 Month CD Special with Active Account. Customer must have a checking or savings account that they actively use (is not dormant) to qualify for this product. Early withdrawal is subject to penalty.
Qualified rate · 3.98% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 4.05% $100,000 and up 4.15% Rate checked
More details - 4.03%APY$233 over 7 months on $10,000intro rate
Requirements
Product: Can only be opened online at www.amalgamatedbank.com. Cannot be opened at an Amalgamated Bank branch. Opening deposits must be new money only (deposits not previously held by the bank). Maximum opening deposit of $249,999.99 if opened online.
Offer: Must be opened online. Opening deposits must be new money only. Maximum opening deposit of $249,999.99 if opened online.
Promotional rate · 4.00% interest rate · Balance cap $249,999.99 · Effective Sep 25, 2026
Rate checked
More details - Oswego County Federal Credit UnionShare Certificates for Platinum Plus MembersCD · 9 months · $500 min
Credit union · 5 branches
4.01%APY$299 over 9 months on $10,000intro rateRequirements
Product: Available to Platinum Plus Members.
Offer: New Money
Promotional rate · 3.95% interest rate · Effective Oct 16, 2026
Rate checked
More details - Oswego County Federal Credit UnionShare CertificatesCD · 9 months · $500 min
Credit union · 5 branches
4.01%APY$299 over 9 months on $10,000 - 4.00%APY$132 over 4 months on $10,000intro rate
Requirements
Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.
Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.
Promotional rate · 3.93% interest rate · Effective Jan 5, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
Promotional rate · 3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Offer: Certificates of Deposit require a minimum deposit of $500.00 to open the account and a minimum daily balance requirement of $0.01 to obtain the APY listed. Rates are subject to change without notice. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.92% interest rate
Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: To be a member of the credit union, a minimum balance of $5.00 must be maintained in a share (savings) account. Penalty incurred by early withdrawal of funds may affect actual APY.
Rate checked
More details - State CS Employees Federal Credit UnionTraditional CertificateCD · 6 months · $500 min
Credit union · 2 branches
4.00%APY$198 over 6 months on $10,000Requirements
Product: Early withdrawal penalty may reduce earnings on term Certificate accounts. Dividends compounded and credited monthly based on average daily balance.
3.93% interest rate · Effective Aug 27, 2026
Rate checked
More details - First Source Federal Credit UnionShare CertificateCD · 6 months · $1,000 min
Credit union · 6 branches
4.00%APY$198 over 6 months on $10,000Requirements
Offer: $1,000.00 minimum balance to earn dividends
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - Rome Federal Credit UnionShare Certificate AccountsCD · 6 months · $1,000 min
Credit union · 1 branch
4.00%APY$198 over 6 months on $10,000Requirements
Product: Minimum deposit of $1,000.00 required. Additional deposits not permitted after opening. 90-day early withdrawal penalty applies. Terms available from 6 months to 5 years (60 months).
3.93% interest rate · Effective Apr 21, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Applies to new deposits only (funds previously not within another Ponce Bank account.) A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings. Offer and rates may change without prior notice.
Offer: The minimum balance to open and obtain this promotional APY is $1,000 for 7 month CD. Applies to new deposits only (funds previously not within another Ponce Bank account.) A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings. Offer and rates may change without prior notice.
Promotional rate · 3.92% interest rate · Effective Sep 17, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: $500 minimum balance. Dividends and principal assumed to remain on deposit until maturity; early withdrawal subject to penalty. No monthly maintenance fee.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.00%APY$265 over 8 months on $10,000
Requirements
Product: Assumes dividends remain in certificate until maturity. Withdrawals and fees could reduce earnings. Penalties may be imposed for early withdrawal; penalty-free withdrawals for tuition and home purchases only. Rate-increase feature applies if rate rises within 5 calendar days of opening (only once). At renewal, certificate earns the rate on the day of maturity.
3.87% interest rate · Effective Oct 16, 2026
Rate checked
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
2,153 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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Find your bank or credit union to see all its rates and how they compare near you.
New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch