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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 Utica, NY metro

  1. Top Carrot, Carrot Score 95
    Utica Gas & Electric Federal Credit Union10 Month Certificate SpecialCD · 10 months · $500 min · 4.50%–4.60% by balance

    Credit union · 1 branch

    4.60%APY$382 over 10 months on $10,000intro rate
  2. Top Carrot, Carrot Score 91
    AmeriCU Credit UnionShare CertificatesCD · 3 months · $50 min

    Credit union · 5 branches

    4.50%APY$111 over 3 months on $10,000
  3. Top Carrot, Carrot Score 94
    G.P.O. Federal Credit UnionTerm Share CertificatesCD · 11 months · $1,000 min

    Credit union · 7 branches

    4.50%APY$412 over 11 months on $10,000intro rate
  4. Top Carrot, Carrot Score 90
    Bank of UticaCertificates of Deposit (CD)CD · 60–Unknown months · $1,000 min

    Bank · 1 branch

    4.30%APY
  5. Woodforest National BankCertificates of DepositCD · 9 months · $500 min

    Bank · 2 branches

    4.25%APY$317 over 9 months on $10,000
  6. Top Carrot, Carrot Score 95
    Utica Gas & Electric Federal Credit UnionShare CertificatesCD · 6 months · $500 min

    Credit union · 1 branch

    4.15%APY$205 over 6 months on $10,000
  7. Utica District Telephone Employees Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.06%APY$406 over 1 year on $10,000
  8. NBT BankPortland Bayside: Exclusive CD Rate PromoCD · 4 months · $1,000 min

    Bank · 7 branches

    4.00%APY$132 over 4 months on $10,000intro rate
  9. Top Carrot, Carrot Score 89
    First Source Federal Credit UnionShare CertificateCD · 6 months · $1,000 min

    Credit union · 6 branches

    4.00%APY$198 over 6 months on $10,000
  10. Rome Federal Credit UnionShare Certificate AccountsCD · 6 months · $1,000 min

    Credit union · 1 branch

    4.00%APY$198 over 6 months on $10,000
  11. Top Carrot, Carrot Score 91
    AmeriCU Credit UnionShare Certificate SpecialCD · 18 months · $500 min

    Credit union · 5 branches

    4.00%APY$606 over 18 months on $10,000intro rate
  12. Mohawk Valley Federal Credit UnionShare Certificates (CDs)CD · 6 months · $1,000 min

    Credit union · 2 branches

    3.90%APY$193 over 6 months on $10,000
  13. M&T BankM&T Select Certificate of DepositCD · 18 months · $1,000 min

    Bank · 10 branches

    3.85%APY$583 over 18 months on $10,000with conditions
  14. KeyBankKey Tiered CD With Relationship RewardsCD · 12 months · $2,500 min

    Bank · 6 branches

    3.75%APY$375 over 1 year on $10,000with conditions
  15. Top Carrot, Carrot Score 95
    Remington Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    3.65%APY$365 over 1 year 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 Utica, NY metro

73 CDs at 15 banks and credit unions · checked Oct 6–17

Typical
3.70%
Top 10% from
4.19%
Banks, typical
3.63%
Credit unions, typical
3.75%

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Utica, NY metro

Top Carrot institutions

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

  1. Utica Gas & Electric Federal Credit UnionCredit union · 1 branch
  2. Remington Federal Credit UnionCredit union · 1 branch
  3. G.P.O. Federal Credit UnionCredit union · 7 branches
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