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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 New York, NY-NJ metro

  1. Liberty Bank of New Jersey4-Month CD SpecialCD · 4 months · $1,000 min

    Bank · 1 branch

    5.00%APY$164 over 4 months on $10,000intro rate
  2. Top Carrot, Carrot Score 88
    Palisades Credit UnionFixed-Rate CertificatesCD · 11 months · $500 min

    Credit union · 3 branches

    5.00%APY$457 over 11 months on $10,000
  3. Top Carrot, Carrot Score 95
    E*TRADE from Morgan StanleyCertificates of DepositCD · 12 months · $0 min

    Bank · 1 branch

    4.75%APY$475 over 1 year on $10,000intro rate
  4. Top Carrot, Carrot Score 98
    BTG Pactual Bank, National AssociationOnline CDCD · 36 months · $500 min

    Bank · 1 branch

    4.70%APY$1,477 over 36 months on $10,000intro rate
  5. The First Bank of GreenwichPlatinum Time DepositsCD · 13 months · $1,000 min

    Bank · 1 branch

    4.60%APY$499 over 13 months on $10,000intro rate
  6. HSBC USANew Money Certificate of Deposit (CD)CD · 24 months · $1,000 min

    Bank · 8 branches

    4.60%APY$941 over 24 months on $10,000with conditions
  7. Top Carrot, Carrot Score 95
    Ridgewood Savings Bank2-Year Treasury Indexed CDCD · 24 months · $100 min

    Bank · 37 branches

    4.59%APY$939 over 24 months on $10,000
  8. Top Carrot, Carrot Score 95
    Global Bank NYPersonal Certificate of DepositCD · 24 months · $1,000 min

    Bank · 3 branches

    4.55%APY$931 over 24 months on $10,000
  9. Top Carrot, Carrot Score 90
    First Atlantic Federal Credit UnionCertificates of Deposit (CDs)CD · 6 months · $500 min

    Credit union · 3 branches

    4.50%APY$223 over 6 months on $10,000intro rate
  10. HAB BankCertificate of DepositCD · 11 months · $1,500 min

    Bank · 4 branches

    4.50%APY$412 over 11 months on $10,000
  11. Top Carrot, Carrot Score 97
    USALLIANCE FinancialFixed Rate Certificate AccountsCD · 12 months · $500 min

    Credit union · 3 branches

    4.50%APY$450 over 1 year on $10,000intro rate
  12. Top Carrot, Carrot Score 99
    Quorum Federal Credit UnionCertificate AccountCD · 12 months · $100 min

    Credit union · 1 branch

    4.50%APY$450 over 1 year on $10,000
  13. URSB BankCertificate of DepositCD · 15 months · $500 min

    Bank · 2 branches

    4.50%APY$566 over 15 months on $10,000
  14. First Commerce BankCDsCD · 17 months · $1,000 min

    Bank · 9 branches

    4.50%APY$643 over 17 months on $10,000
  15. Teachers Federal Credit UnionCertificate AccountsCD · 22 months · $1,000 min

    Credit union · 31 branches

    4.50%APY$840 over 22 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 New York, NY-NJ metro

1,481 CDs at 167 banks and credit unions · checked Oct 16–22

Typical
3.00%
Top 10% from
4.05%
Banks, typical
3.00%
Credit unions, typical
3.04%

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New York, NY-NJ metro

Top Carrot institutions

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

  1. Quorum Federal Credit UnionCredit union · 1 branch
  2. BTG Pactual Bank, National AssociationBank · 1 branch
  3. USALLIANCE FinancialCredit union · 3 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate