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 Syracuse, NY metro
- Syracuse Fire Department Credit UnionTerm Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
5.00%APY$247 over 6 months on $10,000Requirements
Product: Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal.
Offer: Penalties may be imposed for early withdrawal.
4.89% interest rate · Effective Oct 9, 2026
Rate checked
More details - Crouse Federal Credit UnionCertificatesCD · 6 months · $1,000 min · 4.60%–4.86% by balance
Credit union · 1 branch
4.75%APY$235 over 6 months on $10,000Requirements
Product: Maximum Certificate per member: $250,000.00. Early withdrawal penalty applies.
4.50% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and up 4.60% $10,000 and upYour amount 4.75% $25,000 and up 4.86% Rate checked
More details - Sidney FCURegular CertificatesCD · 15 months · $500 min · 4.75%–5.00% by balance
Credit union · 2 branches
4.75%APY$597 over 15 months on $10,000Requirements
Product: Effective as of October 16, 2026. Dividends calculated by average daily balance. Variable Rate Certificates: rates only change upon written request (1 change for 12-month, 2 changes for 24/36-month). Terms of 9 months or less subject to 90-day dividend penalty; terms of 10 months or more subject to 180-day dividend penalty. Withdrawals, deposits, or change of terms penalty-free within 5 business days after maturity. $5 minimum deposit in primary savings required for membership.
Offer: Fixed Rate - Special. Minimum balance to open $500.
4.65% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $500 and upYour amount 4.75% $250,000 and up 5.00% Rate checked
More details - Geddes Federal Savings and Loan AssociationCertificate of DepositCD · 13 months · $500 min
Bank · 1 branch
4.60%APY$499 over 13 months on $10,000Requirements
Product: $500 Minimum Balance. Minimum deposit of $500 to open a CD account. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Deposit accounts are only opened for consumers residing or businesses that are located within 150 miles of our Syracuse, New York location. Interest is compounded daily and posted quarterly.
Offer: Special rate. $500 Minimum Balance. Minimum deposit $500 to open. Penalty may apply for early withdrawal. Fees may reduce earnings. Rates and promotion(s) subject to change at any time. Maximum $1,000,000.00 New Money per tax ID number. Interest compounded daily, posted quarterly. Deposit accounts only opened for consumers residing or businesses located within 150 miles of Syracuse, NY.
4.50% interest rate · Compounded daily · Effective Oct 9, 2026
Rate checked
More details - 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 - 4.50%APY$223 over 6 months on $10,000
Requirements
Product: Membership requires purchase and maintenance of one share ($5.00 par value). Dividends compounded and credited monthly, or at maturity for 30 Day & 3 Month certificates. Automatically renews with a 10-day grace period. Substantial penalty for early withdrawal.
Offer: Fall into Savings Special. Must add $5,000 in New Money for 4.50% APY. New Money is considered funds from another financial institution or non-SECNY account. Dividends compounded and credited monthly. Account # 34.
4.41% interest rate · Effective Oct 8, 2026
Rate checked
More details - G.P.O. Federal Credit UnionTerm Share CertificatesCD · 11 months · $1,000 min
Credit union · 1 branch
4.50%APY$412 over 11 months on $10,000intro rateRequirements
Product: Membership eligibility required. Dividends are compounded and credited/posted monthly. Fixed rates. Early withdrawal penalty applies. Automatic renewal with a 10-day grace period. Minimum balance of $1,000.00 required ($500 on 6 month term).
Offer: 11-Month Term Share Certificate Special. Minimum deposit to open and minimum balance to earn advertised APY is $1,000. Maximum deposit is $25,000. Limit one per member during promotional period. Early withdrawal penalties apply. Additional deposits not allowed. Automatically renews into 12-month Term Share Certificate at prevailing rate.
Promotional rate · 4.41% interest rate · Balance cap $25,000 · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$412 over 11 months on $10,000
Requirements
Product: Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Offer: Special 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts).
4.41% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - 4.50%APY$683 over 18 months on $10,000intro rate
Requirements
Product: New money only, non-transferable. A penalty may be imposed for early withdrawal. Cannot be combined with any other offer. Subject to cancellation without prior notice.
Offer: New money only, non-transferable. Cannot be combined with any other offer. Subject to cancellation without prior notice. Early withdrawal penalty may apply.
Promotional rate · Effective Nov 16, 2023
Rate checked
More details - 4.50%APY$1,412 over 36 months on $10,000
Requirements
Product: Minimum deposit is $500. Membership subject to eligibility. Early withdrawal penalty applies to principal; dividends earned may be withdrawn at any time without penalty. Dividends are compounded and credited quarterly.
Offer: Includes 1x Bump Up feature.
4.43% interest rate · Effective Oct 9, 2026
Rate checked
More details - Broadview Federal Credit UnionFixed Rate CertificatesCD · 7 months · $500 min
Credit union · 4 branches
4.40%APY$254 over 7 months on $10,000with conditionsRequirements
Product: Broadview Membership is required. Dividends accrue daily and are paid the last day of the month. Minimum balance to open and obtain APY is $500 ($100 for 12-month add-on certificate).
Offer: Special promotional offer valid through 11/06/2026. Once the 7-month certificate matures, the funds will roll into a 6-month certificate and all terms and conditions of the new certificate will apply.
Qualified rate · 4.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000
Requirements
Product: Must be a member of The Summit FCU. Share certificate accounts automatically renew at maturity. 7-calendar-day grace period after maturity. Early withdrawal penalty applies (terms of 1 year or less: 90 days dividends; terms of more than 1 year: 180 days dividends).
Offer: 12 Months term. Penalty applies for early withdrawal. Additional deposits not allowed.
4.26% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Must be opened online.
Offer: Must be opened online. Auto renewal term: 6-month CNSaver Online CD.
Effective Oct 14, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000with conditions
Requirements
Offer: Ownership of an Optimum Checking account is required to obtain the APY.
Qualified rate · Effective Oct 14, 2026
Rate checked
More details - 4.25%APY$353 over 10 months on $10,000with conditions
Requirements
Product: Federally insured by NCUA up to $250,000. $500 minimum balance required to open a certificate of deposit ($10,000 minimum for 3-Month, 6-Month, and 10-Month certificates). Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account.
Offer: Best tier. Requires all requirements of Better tier, with combined balances >$25,000.
Qualified rate · Effective Oct 13, 2026
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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 Syracuse, NY metro
323 CDs at 31 banks and credit unions · checked Oct 16–22
- Typical
- 3.00%
- Top 10% from
- 4.01%
- Banks, typical
- 1.13%
- Credit unions, typical
- 3.40%
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Syracuse, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- G.P.O. Federal Credit UnionCredit union · 1 branch
- AmeriCU Credit UnionCredit union · 9 branches
- Auburn Community Federal Credit UnionCredit union · 1 branch