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 1–15 results in Plattsburgh, NY metro
- 4.50%APY$111 over 3 months on $10,000
Requirements
Product: Rates are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date. Please refer to the account opening disclosure for the amount of penalty. The minimum balance to earn APY is the same as the minimum opening deposit.
Offer: The minimum balance to earn APY is the same as the minimum opening deposit. An early withdrawal penalty may be imposed if funds are withdrawn from your account before the maturity date.
4.40% interest rate · Effective Oct 16, 2026
Rate checked
More details - 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
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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 - 4.00%APY$606 over 18 months on $10,000intro rate
Requirements
Product: Fixed dividend rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required. Insured by the NCUA. Withdrawals of principal are subject to early withdrawal penalties.
Offer: Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. Membership eligibility is required.
Promotional rate · 3.92% interest rate · Effective Oct 16, 2026
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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
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More details - 3.56%APY$386 over 13 months on $10,000with conditions
Requirements
Product: Special certificate of deposit offerings. Interest compounded monthly and credited at month-end and at maturity.
Offer: Relationship rate. Must maintain both a Rewards Checking Account and a Rewards Savings Account relationship to open this account.
Qualified rate · 3.50% interest rate · Compounded monthly · Effective Sep 29, 2026
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More details - 3.50%APY$173 over 6 months on $10,000intro rate
Requirements
Product: Limit $249,999.99 per client. Penalty for early withdrawal/closing.
Promotional rate · Balance cap $249,999.99 · Effective Jul 13, 2025
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More details - 3.04%APY$1,615 over 60 months on $10,000
Requirements
Product: Interest is compounded monthly and credited at month-end and at maturity. Early withdrawal penalty may apply. Quarterly statements provided.
3.00% interest rate · Compounded monthly · Effective Sep 29, 2026
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More details - 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 rateRequirements
Product: Valid for new funds not currently held at AFCU. $5,000 minimum balance requirement. Penalties may apply for early withdrawals. Existing share balances cannot be used. Rollovers occur at the one-year share certificate rate in effect as of the rollover date. Membership eligibility required. Offer ends 11/31/26.
Offer: Valid for new funds only. Offer ends 11/31/26.
Promotional rate · Effective Oct 1, 2026
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More details - 2.50%APY$250 over 1 year on $10,000
2.50% interest rate · Effective Oct 1, 2026
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More details - Plattsburgh City School District Federal Credit UnionShare CertificateCD · 10 months · $10,000 min
Credit union · 1 branch
2.02%APY$168 over 10 months on $10,000Requirements
Product: Rates subject to change. Please call 518-561-4510 for current rates.
2.00% interest rate · Effective January 2025
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More details - 1.40%APY$720 over 60 months on $10,000
Requirements
Product: Dividends calculated daily and credited monthly based on daily balance. Rate may increase utilizing Enhanced Loyalty Rewards.
Offer: With Enhanced Loyalty Rewards (w/ELR) APY is up to 3.50%.
Effective Apr 14, 2025
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More details - 1.00%APY$303 over 36 months on $10,000with conditions
Requirements
Product: Limit $99,999.99 per client. Penalty for early withdrawal/closing. Contact us for terms and rates on CDs $100,000.00 or greater.
Offer: Additional deposit relationship required.
Qualified rate · Balance cap $99,999.99 · Effective Jul 13, 2025
Rate checked
More details - Dannemora Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 5 branches
1.00%APY$510 over 60 months on $10,000Requirements
Product: DFCU Savings required to become a member. No setup or maintenance fees. Early withdrawals subject to penalty.
Effective Sep 19, 2025
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More details - UFirst Federal Credit UnionUFirst Certificate Share AccountCD · 48 months · $500 min · 0.60%–0.70% by balance
Credit union · 3 branches
0.65%APY$263 over 48 months on $10,000with conditionsRequirements
Product: No maintenance fees. $500 minimum deposit to open ($100 minimum for members 18 or younger). Maximum dollar amount is $90,000. Early withdrawal penalty applies. Dividends compound monthly. Eligible members may receive a Certificate Loyalty Perk rate bonus on regular certificates (does not apply to specials).
Offer: With draft (checking account).
Qualified rate · 0.60% interest rate
Rate by balance
Rate by balance for UFirst Certificate Share Account Balance APY $500 – $5,000 0.60% $5,000 – $10,000Your amount 0.65% $10,000 – $90,000 0.70% Rate checked
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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 Plattsburgh, NY metro
75 CDs at 11 banks and credit unions · checked Oct 16–22
- Typical
- 1.01%
- Top 10% from
- 3.78%
- Banks, typical
- 2.66%
- Credit unions, typical
- 1.00%
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Plattsburgh, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- NorthCountry Federal Credit UnionCredit union · 1 branch
- AmeriCU Credit UnionCredit union · 2 branches