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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 1–15 results in Buffalo, NY metro

  1. HSBC USANew Money Certificate of Deposit (CD)CD · 24 months · $1,000 min

    Bank · 1 branch

    4.60%APY$941 over 24 months on $10,000with conditions
  2. Top Carrot, Carrot Score 89
    Ukrainian Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · 2 branches

    4.50%APY$1,412 over 36 months on $10,000
  3. Lake Shore BankSelect Certificate of Deposit (CD)CD · 18 months · $500 min

    Bank · 6 branches

    4.44%APY$673 over 18 months on $10,000intro rate
  4. Top Carrot, Carrot Score 98
    SJP Federal Credit UnionCertificate of DepositCD · 6 months · $1,000 min

    Credit union · 1 branch

    4.40%APY$218 over 6 months on $10,000
  5. Top Carrot, Carrot Score 87
    Broadview Federal Credit UnionFixed Rate CertificatesCD · 7 months · $500 min

    Credit union · 4 branches

    4.40%APY$254 over 7 months on $10,000with conditions
  6. HSBC USAOnline Certificate of Deposit (CD)CD · 24 months · $1,000 min

    Bank · 1 branch

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

    Bank · 1 branch

    4.40%APY$899 over 24 months on $10,000
  8. Top Carrot, Carrot Score 88
    The Summit Federal Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 2 branches

    4.35%APY$435 over 1 year on $10,000
  9. 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
  10. Top Carrot, Carrot Score 99
    Ontario Shores FCUShare CertificatesCD · 6 months · $1,000 min

    Credit union · 4 branches

    4.25%APY$210 over 6 months on $10,000
  11. 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
  12. Woodforest National BankCertificates of DepositCD · 9 months · $500 min

    Bank · 2 branches

    4.25%APY$317 over 9 months on $10,000
  13. Top Carrot, Carrot Score 99
    Ontario Shores FCUShare Certificate SpecialCD · 15 months · $1,000 min

    Credit union · 4 branches

    4.25%APY$534 over 15 months on $10,000intro rate
  14. 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
  15. Western Division Federal Credit UnionSavings CertificatesCD · 10 months · $5,000 min

    Credit union · 1 branch

    4.16%APY$345 over 10 months on $10,000intro rate

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 Buffalo, NY metro

359 CDs at 52 banks and credit unions · checked Oct 16–22

Typical
2.87%
Top 10% from
4.00%
Banks, typical
0.50%
Credit unions, typical
3.25%

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Buffalo, NY metro

Top Carrot institutions

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

  1. Ontario Shores FCUCredit union · 4 branches
  2. SJP Federal Credit UnionCredit union · 1 branch
  3. Niagara's ChoiceCredit union · 5 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate