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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 Rochester, NY

  1. Top Carrot, Carrot Score 88
    The Summit Federal Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 1 branch

    4.35%APY$435 over 1 year on $10,000
  2. Top Carrot, Carrot Score 89
    Canandaigua National BankCNSaver Online CDCD · 6 months · $1,000 min

    Bank · 3 branches

    4.25%APY$210 over 6 months on $10,000
  3. Top Carrot, Carrot Score 89
    Canandaigua National BankCD SpecialsCD · 7 months · $500 min

    Bank · 3 branches

    4.25%APY$246 over 7 months on $10,000with conditions
  4. Woodforest National BankCertificates of DepositCD · 9 months · $500 min

    Bank · 1 branch

    4.25%APY$317 over 9 months on $10,000
  5. Rochester & Monroe County Employees Federal Credit UnionSavings CertificatesCD · 11 months · $500 min

    Credit union · 2 branches

    4.06%APY$372 over 11 months on $10,000
  6. NexTier BankCertificates of DepositCD · 9 months · $5,000 min

    Bank · 1 branch

    4.00%APY$299 over 9 months on $10,000intro rate
  7. Advantage Federal Credit UnionTerm Share CertificatesCD · 18–23 months

    Credit union · 4 branches

    3.90%APY
  8. M&T BankM&T Select Certificate of DepositCD · 18 months · $1,000 min

    Bank · 5 branches

    3.85%APY$583 over 18 months on $10,000with conditions
  9. ESL Federal Credit UnionCertificate – Fixed RateCD · 7 months · $500 min

    Credit union · 5 branches

    3.75%APY$217 over 7 months on $10,000
  10. Bank of AmericaFeatured CDCD · 7 months · $1,000 min · 3.75%–4.11% by balance

    Bank · 4 branches

    3.75%APY$217 over 7 months on $10,000
  11. Five Star BankSpecial CDCD · 11 months · $500 min

    Bank · 2 branches

    3.75%APY$343 over 11 months on $10,000
  12. KeyBankKey Tiered CD With Relationship RewardsCD · 12 months · $2,500 min

    Bank · 3 branches

    3.75%APY$375 over 1 year on $10,000with conditions
  13. Upstate National BankCertificates of DepositsCD · 24 months · $1,000 min · 3.60%–3.85% by balance

    Bank · 1 branch

    3.60%APY$733 over 24 months on $10,000
  14. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 4 branches

    3.30%APY$219 over 8 months on $10,000with conditions
  15. Bank of AmericaFlexible CDCD · 12 months · $1,000 min · 3.15%–3.65% by balance

    Bank · 4 branches

    3.15%APY$315 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 Rochester, NY

170 CDs at 14 banks and credit unions · checked Oct 6–16

Typical
0.40%
Top 10% from
3.75%
Banks, typical
0.38%
Credit unions, typical
1.33%

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Rochester, NY metro

Top Carrot institutions

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

  1. Ontario Shores FCUCredit union · 1 branch
  2. Pittsford Federal Credit UnionCredit union · 2 branches
  3. Canandaigua National BankBank · 26 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate