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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 Massena, NY metro

  1. Massena Savings & Loan AssociationFixed Rate CertificatesCD · 36 months · $1,000 min

    Bank · 2 branches

    4.90%APY$1,543 over 36 months on $10,000
  2. Northern Credit UnionShare CertificatesCD · 10 months · $10,000 min

    Credit union · 2 branches

    4.25%APY$353 over 10 months on $10,000with conditions
  3. NBT BankPortland Bayside: Exclusive CD Rate PromoCD · 4 months · $1,000 min

    Bank · 4 branches

    4.00%APY$132 over 4 months on $10,000intro rate
  4. Ed-Med FCUTerm Share CertificatesCD · 36 months · $1,000 min

    Credit union · 1 branch

    3.80%APY$1,184 over 36 months on $10,000
  5. KeyBankKey Tiered CD With Relationship RewardsCD · 12 months · $2,500 min

    Bank · 4 branches

    3.75%APY$375 over 1 year on $10,000with conditions
  6. Upstate National BankCertificates of DepositsCD · 24 months · $1,000 min · 3.60%–3.85% by balance

    Bank · 1 branch

    3.60%APY$733 over 24 months on $10,000
  7. St. Lawrence FCUShare CertificatesCD · 13 months · $1,000 min

    Credit union · 6 branches

    3.56%APY$386 over 13 months on $10,000
  8. North Country Savings BankCD SpecialsCD · 13 months · $1,000 min

    Bank · 4 branches

    3.56%APY$386 over 13 months on $10,000with conditions
  9. Gouverneur Savings & Loan AssociationCertificates of DepositCD · 12 months · $1,000 min

    Bank · 1 branch

    3.41%APY$341 over 1 year on $10,000
  10. North Country Savings BankFixed Rate CDCD · 60 months · $1,000 min

    Bank · 4 branches

    3.04%APY$1,615 over 60 months on $10,000
  11. Adirondack Federal Credit UnionNew Money Share Certificate SpecialCD · 12 months · $5,000 min

    Credit union · 1 branch

    3.00%APY$300 over 1 year on $10,000intro rate
  12. Twin Rivers Federal Credit UnionShare CertificatesCD · 36 months · $1,000 min

    Credit union · 1 branch

    2.78%APY$857 over 36 months on $10,000
  13. Adirondack Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    2.50%APY$250 over 1 year on $10,000
  14. SeaComm Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min

    Credit union · 4 branches

    1.40%APY$720 over 60 months on $10,000
  15. North Country Savings BankStep-Up CDCD · 48 months · $1,000 min

    Bank · 4 branches

    0.25%APY$100 over 48 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

What CDs pay in Massena, NY metro

85 CDs at 12 banks and credit unions · checked Oct 16

Typical
2.25%
Top 10% from
3.78%
Banks, typical
3.09%
Credit unions, typical
1.71%

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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