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 1–9 results in Olean, NY metro
- 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
Rate checked
More details - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: For CDs up to $250,000.00. A $500 minimum deposit is required. Municipal customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. Penalty may be imposed for early withdrawal.
3.68% interest rate
Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.
Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.
Qualified rate · Compounded daily · Balance cap $99,999.99 · Effective Sep 26, 2026
Rate checked
More details - 3.55%APY$1,103 over 36 months on $10,000
Requirements
Product: Guaranteed fixed quarterly dividends. Substantial penalty for early withdrawal. Fees may reduce earnings on account. Membership required (enrolled member or employee of Seneca Nation of Indians or affiliates, or immediate family/household).
3.50% interest rate
Rate checked
More details - Cattaraugus County BankCertificate of DepositCD · 6 months · $1,000 min · 3.30%–3.60% by balance
Bank · 4 branches
3.40%APY$169 over 6 months on $10,000intro rateRequirements
Product: Available in terms from 6 months to 4 years. Early withdrawal penalties apply. Fixed rates during length of term. CD Specials automatically renew into standard CDs at maturity.
Offer: 6 Month CD Special. Limited time offer. At maturity renews into standard CD of same term. Penalty for early withdrawal.
Promotional rate · 3.25% interest rate · Effective Feb 9, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 – $10,000 3.30% $10,000 – $50,000Your amount 3.40% $50,000 – $100,000 3.50% $100,000 – $250,000 3.60% Rate checked
More details - CCSE Federal Credit UnionShare Certificate (Certificate of Deposit)CD · 24 months · $1,000 min
Credit union · 1 branch
3.30%APY$671 over 24 months on $10,000Requirements
Product: $1,000 minimum balance to earn interest. 12, 24, 36, 48, and 60 month terms are available. 90-365 Days interest penalty for early withdrawal (depending on term). All rates subject to change without notice.
Offer: Early withdrawal penalty: 90 days interest.
3.25% interest rate · Effective Jul 1, 2026
Rate checked
More details - 3.00%APY$99 over 4 months on $10,000
2.96% interest rate · Effective Sep 1, 2026
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More details - 0.40%APY$161 over 48 months on $10,000
Requirements
Product: Compounded daily on a 365 day basis. Fees or withdrawals could reduce earnings. Penalty may be imposed for early withdrawal. Municipal and Commercial customers are not eligible. Cannot be combined with any other offer. Subject to cancellation without notice. For balances over $250,000, contact local branch.
0.40% interest rate · Compounded daily
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 Olean, NY metro
48 CDs at 8 banks and credit unions · checked Oct 6–17
- Typical
- 2.00%
- Top 10% from
- 3.61%
- Banks, typical
- 1.70%
- Credit unions, typical
- 2.75%
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Olean, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CCSE Federal Credit UnionCredit union · 1 branch