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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 New York

  1. Syracuse Fire Department Credit UnionTerm Share CertificateCD · 6 months · $1,000 min

    Credit union · 1 branch

    5.00%APY$247 over 6 months on $10,000
  2. Top Carrot, Carrot Score 88
    Palisades Credit UnionFixed-Rate CertificatesCD · 11 months · $500 min

    Credit union · 3 branches

    5.00%APY$457 over 11 months on $10,000
  3. Massena Savings & Loan AssociationFixed Rate CertificatesCD · 36 months · $1,000 min

    Bank · 2 branches

    4.90%APY$1,543 over 36 months on $10,000
  4. 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 $10,000
  5. Top Carrot, Carrot Score 95
    E*TRADE from Morgan StanleyCertificates of DepositCD · 12 months · $0 min

    Bank · 1 branch

    4.75%APY$475 over 1 year on $10,000intro rate
  6. Sidney FCURegular CertificatesCD · 15 months · $500 min · 4.75%–5.00% by balance

    Credit union · 13 branches

    4.75%APY$597 over 15 months on $10,000
  7. Genesee Regional BankCertificates of Deposit (CDs)CD · 24 months · $500 min

    Bank · 3 branches

    4.75%APY$973 over 24 months on $10,000with conditions
  8. Top Carrot, Carrot Score 98
    BTG Pactual Bank, National AssociationOnline CDCD · 36 months · $500 min

    Bank · 1 branch

    4.70%APY$1,477 over 36 months on $10,000intro rate
  9. 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
  10. Geddes Federal Savings and Loan AssociationCertificate of DepositCD · 13 months · $500 min

    Bank · 1 branch

    4.60%APY$499 over 13 months on $10,000
  11. The First Bank of GreenwichPlatinum Time DepositsCD · 13 months · $1,000 min

    Bank · 1 branch

    4.60%APY$499 over 13 months on $10,000intro rate
  12. HSBC USANew Money Certificate of Deposit (CD)CD · 24 months · $1,000 min

    Bank · 8 branches

    4.60%APY$941 over 24 months on $10,000with conditions
  13. Top Carrot, Carrot Score 95
    Ridgewood Savings Bank2-Year Treasury Indexed CDCD · 24 months · $100 min

    Bank · 37 branches

    4.59%APY$939 over 24 months on $10,000
  14. Top Carrot, Carrot Score 95
    Global Bank NYPersonal Certificate of DepositCD · 24 months · $1,000 min

    Bank · 3 branches

    4.55%APY$931 over 24 months on $10,000
  15. Top Carrot, Carrot Score 91
    AmeriCU Credit UnionShare CertificatesCD · 3 months · $50 min

    Credit union · 23 branches

    4.50%APY$111 over 3 months 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 New York

2,153 CDs at 282 banks and credit unions · checked Oct 16–22

Typical
3.00%
Top 10% from
4.05%
Banks, typical
2.50%
Credit unions, typical
3.05%

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New York

Top Carrot institutions

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

  1. Ontario Shores FCUCredit union · 5 branches
  2. Quorum Federal Credit UnionCredit union · 1 branch
  3. SJP Federal Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate