New York Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
New York CD rates range from 2.02% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current New York CD rates include Cornerstone Community Federal Credit UnionCornerstone Community Federal Credit Union55 Stevens St, Lockport, NY 14094 4229B+4.8 ★Texas Ratio: 17.18%Real return: +3.20%APY minus CPI (February 2026) offering 6 Month Youth Share Certificate at 6.00% APY, Italo American Credit UnionItalo American Credit Union6652 Myrtle Ave, Glendale, NY 11385 7057A+5.0 ★Texas Ratio: 0.00%Real return: +2.45%APY minus CPI (February 2026) offering Regular IRA And Roth IRA - 5 years at 5.25% APY, Syracuse Fire Department Employees Federal Credit UnionSyracuse Fire Department Employees Federal Credit Union211 Wilkinson St, Syracuse, NY 13204A+5.0 ★Texas Ratio: 3.25%Real return: +2.20%APY minus CPI (February 2026) offering 6-month TSC at 5.00% APY, Popular DirectPopular Direct285 Madison Ave, New York, NY 10017A+5.0 ★Texas Ratio: 2.12%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month Certificate at 5.00% APY, and Massena Savings and LoanMassena Savings and Loan255 Main St, Massena, NY 13662A5.0 ★Texas Ratio: 9.00%Real return: +2.10%APY minus CPI (February 2026) offering 36 Month CD at 4.90% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in New York side-by-side. New York CD rates currently reach as high as 6.00% APY from Cornerstone Community Federal Credit Union at 55 Stevens St, Lockport, NY 14094 4229. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in New York
New York 3 Month CD Rates
MonitorBankRates New York Average · 3 Month CD2.07% APY▲ 0.01% from last weekNational 2.09%
The average 3-month CD rate in New York is 2.07% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
1916 Black River Blvd N, Rome, NY 13440 2430
3 Month Share Certificates
$50
4.50%
▲ 2.43% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.07%▲ 2.43% above avgNationally 2.09%
Details
Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. 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. Membership eligibility required. Insured by NCUA.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
3 Month Certificate
$0
4.30%
▲ 2.23% above New York avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.07%▲ 2.23% above avgNationally 2.09%
Details
Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
3 Month Certificate of Deposits
$100,000
4.10%
▲ 2.03% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 2.03% above avgNationally 2.09%
Details
Minimum $100,000 required to open an account.
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 4 times
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
127 Main St, Canton, NY 13617
3 Month Three Month Business CD
$1,000
4.07%
▲ 2.00% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.07%▲ 2.00% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 4 times
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 3 Month
$0
4.00%
▲ 1.93% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 1.93% above avgNationally 2.09%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
NY
Share Certificates - 3 Months
$0
4.00%
▲ 1.93% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.07%▲ 1.93% above avgNationally 2.09%
Details
Balance: $10,000+; Basic*: 2.90% APY; Better**: 3.40% APY; Best***: 4.00% APY; ****: $10,000+
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 3 Months
$0
3.92%
▲ 1.85% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 1.85% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 9 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
4160 Main St Ste 103, Flushing, NY 11355
3-Month CD
$0
3.80%
▲ 1.73% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.73% above avgNationally 2.09%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
3-Month CD Special
$500
3.80%
▲ 1.73% above New York avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.73% above avgNationally 2.09%
Details
Additional terms and conditions apply. Annual Percentage Yield (APY) is accurate as of February 18, 2026. Minimum opening deposit is $500; maximum deposit is $1,000,000. Offer good for a limited time only and may be withdrawn at any time without notice. Rates subject to change without notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity. CD special is available at any Adirondack Trust Company retail branch location.
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
3 Month Certificate
$0
3.75%
▲ 1.68% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.68% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
4142 Hylan Blvd, Staten Island, NY 10308
3 Month Certificate
$0
3.75%
▲ 1.68% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.07%▲ 1.68% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
4142 Hylan Blvd, Staten Island, NY 10308
3 Month IRA Certificate
$0
3.75%
▲ 1.68% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.07%▲ 1.68% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
3 Month Certificate of Deposit
$1,000
3.75%
▲ 1.68% above New York avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 1.68% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 1.68% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 1.68% above avgNationally 2.09%
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
330 5th Ave, New York, NY 10001
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.63% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
3 months up to 6 (Apply Online)
$10,000
3.70%
▲ 1.63% above New York avg
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.63% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1441 South Ave, Staten Island, NY 10314
3 Month IRA CD
$1,000
3.70%
▲ 1.63% above New York avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.07%▲ 1.63% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
150 East 45th Street, New York, NY 10017
3 Month Certificate
$0
3.65%
▲ 1.58% above New York avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.58% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
- Oct 7, 20263.65%▼ from 4.50%
- Sep 14, 20264.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
3 Month Share Certificate
$0
3.61%
▲ 1.54% above New York avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 1.54% above avgNationally 2.09%
Details
Credit Monthly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 2 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1377 Motor Pkwy, Islandia, NY 11749
3 Month Performance CD
$0
3.60%
▲ 1.53% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.53% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 Broadway, New York, NY 10013
3-Month Certificate of Deposit
$500
3.55%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.48% above avgNationally 2.09%
Details
Earn 3.55% APY on balances of $500 or more.
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
13629 38th Ave, Flushing, NY 11354
3 Month CD
$2,500
3.50%
▲ 1.43% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.43% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
495 Central Park Ave, Scarsdale, NY 10583
3 Month Star Relationship CD
$500
3.50%
▲ 1.43% above New York avg
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.43% above avgNationally 2.09%
Details
Early Withdrawal Penalties May Apply; Rates are subject to change at any time
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
109 Bowery, New York, NY 10002
3 Month CD
$500
3.40%
▲ 1.33% above New York avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 1.33% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
3-Month Share Certificate
$1,000
3.35%
▲ 1.28% above New York avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 1.28% above avgNationally 2.09%
Details
Early withdrawal penalty: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
Bank of Baroda
Institution Rating:
A+5.0 ★
1 Park Ave, New York, NY 10016
3 Month Certificates of Deposit
$0
3.30%
▲ 1.23% above New York avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
New York Average2.07%▲ 1.23% above avgNationally 2.09%
Details
Term: 3 Months and above to less than 6 Months
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 3 times
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
90 Day Certificate of Deposit
$250
3.25%
▲ 1.18% above New York avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 1.18% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
90 Day Certificate
$500
3.25%
▲ 1.18% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 1.18% above avgNationally 2.09%
Details
Youth Minimum Balance: $50
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3301 Country Club Rd, Endwell, NY 13760 3401
Share Certificate - 3-Month
$500
3.25%
▲ 1.18% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 1.18% above avgNationally 2.09%
Details
Rate Type: Fixed
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
- Oct 5, 20263.25%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus Certificate
$100,000
3.25%
▲ 1.18% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.07%▲ 1.18% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Sep 18, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus Certificate
$25,000
3.10%
▲ 1.03% above New York avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.07%▲ 1.03% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Sep 18, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
125 N Fulton St, Ithaca, NY 14850 3301
Certificate Shares - 3 months
$0
3.04%
▲ 0.97% above New York avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 0.97% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.56%
30 Brunswick Rd, Depew, NY 14043
CDs - 3 Months
$0
3.03%
▲ 0.96% above New York avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 0.96% above avgNationally 2.09%
Details
Yield: 3.03%; CD Rates effective 6/5/2026 and subject to change without notice; penalty for early withdrawal
Rate History
No change since Oct 9, 2026 · 3.03% APY · checked 2 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
495 Central Park Ave, Scarsdale, NY 10583
3 Month Certificate of Deposit (CD)
$500
3.00%
▲ 0.93% above New York avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 0.93% above avgNationally 2.09%
Details
Early Withdrawal Penalties May Apply; Rates are subject to change at any time
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
183 Centre St, New York, NY 10013
3 Month Certificate
$2,500
3.00%
▲ 0.93% above New York avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 0.93% above avgNationally 2.09%
Details
Rate History
No change since Sep 9, 2026 · 3.00% APY · checked 2 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
3 Month Certificate
$500
3.00%
▲ 0.93% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 0.93% above avgNationally 2.09%
Details
Online
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
Business 3 Months
$500
3.00%
▲ 0.93% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 0.93% above avgNationally 2.09%
Details
Available In-Branch
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY 12043 1263
3 Month Share Certificate
$500
3.00%
▲ 0.93% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 0.93% above avgNationally 2.09%
Details
Not eligible for IRAs
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus Certificate
$0
3.00%
▲ 0.93% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.07%▲ 0.93% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
256 Hoosick St, Troy, NY 12180
3 Month Certificate
$500
3.00%
▲ 0.93% above New York avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.07%▲ 0.93% above avgNationally 2.09%
Details
Rate History
No change since Oct 10, 2026 · 3.00% APY
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
325 Washington Avenue Ext, Albany, NY 12205 5581
3, 12, 15, 18, or 3 Month SHARE CERTIFICATE
$0
3.00%
▲ 0.93% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.07%▲ 0.93% above avgNationally 2.09%
Details
Term: 3, 12, 15, 18, or 30-MONTH
Rate History
No change since Oct 6, 2026 · 3.00% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
444 Madison Ave Fl 9, New York, NY 10022
3 Month Certificate
$0
2.94%
▲ 0.87% above New York avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.07%▲ 0.87% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
215 2nd Ave, New York, NY 10003
Share Certificate 3 month SC
$1,000
2.88%
▲ 0.81% above New York avg
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 0.81% above avgNationally 2.09%
Details
Early withdrawal penalty may apply
Rate History
No change since Oct 13, 2026 · 2.88% APY
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
8900 VAN WYCK EXPY, JAMAICA, NY 11418
3 Month Certificate
$500
2.78%
▲ 0.71% above New York avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 0.71% above avgNationally 2.09%
Details
Early withdrawal penalty: 3 months worth of dividends (Up to 12 months Certificates)
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 4 times
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
420 Lexington Ave Rm 850, New York, NY 10170 0033
3 Month GU Certificates
$100
2.78%
▲ 0.71% above New York avg
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.07%▲ 0.71% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 8 times
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12 Westchester Sq, Bronx, NY 10461
3 Month Certificate
$0
2.75%
▲ 0.68% above New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 0.68% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
28 Church St, Hoosick Falls, NY 12090
3 Month Term Share Certificate
$1,000
2.75%
▲ 0.68% above New York avg
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 0.68% above avgNationally 2.09%
Details
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 7 times
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
28 Church St, Hoosick Falls, NY 12090
IRA Term Share Certificates - 3 Month
$0
2.75%
▲ 0.68% above New York avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.07%▲ 0.68% above avgNationally 2.09%
Details
Account type: IRA Term Share Certificate; Rate column shown as 2.72%; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
Metropolitan Bank and Trust Company
Institution Rating:
A+5.0 ★
10 E 53rd St, New York, NY 10022
3 Month Three Month CD
$0
2.63%
▲ 0.56% above New York avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.07%▲ 0.56% above avgNationally 2.09%
Details
Rate History
1 change since Sep 11, 2026 · 2.32% → 2.63% ▲ 0.31 pts · high 2.63% / low 2.32%
- Sep 24, 20262.63%▲ from 2.32%
- Sep 11, 20262.32%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Month Jumbo Certificate
$0
2.60%
▲ 0.53% above New York avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.07%▲ 0.53% above avgNationally 2.09%
Details
Jumbo
Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
New York 6 Month CD Rates
MonitorBankRates New York Average · 6 Month CD2.79% APY▲ 0.04% from last weekNational 2.78%
The average 6-month CD rate in New York is 2.79% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
6 Month Youth Share Certificate
$0
6.00%
▲ 3.21% above New York avg
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 3.21% above avgNationally 2.78%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 3 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
6-month TSC
$1,000
5.00%
▲ 2.21% above New York avg
▼
Rate4.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 2.21% above avgNationally 2.78%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
- Oct 12, 20265.00%▲ from 4.00%
- Sep 12, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
6 Month Certificate
$1,000
4.50%
▲ 1.71% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.71% above avgNationally 2.78%
Details
Account 34; Interest Monthly; Min. $1,000; Requires $5,000 New Money for 4.50% APY, otherwise 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.71% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.71% above avgNationally 2.78%
Details
Code 89; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate - 6 Month
$0
4.50%
▲ 1.71% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.71% above avgNationally 2.78%
Details
Interest paid monthly; JUMBO; account code 54
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.71% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.71% above avgNationally 2.78%
Details
Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.50% APY
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
1916 Black River Blvd N, Rome, NY 13440 2430
6 Month Share Certificates
$50
4.50%
▲ 1.71% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.71% above avgNationally 2.78%
Details
Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. 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. Membership eligibility required. Insured by NCUA.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
6 Month High-Yield CD
$500
4.40%
▲ 1.61% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.61% above avgNationally 2.78%
Details
10-Day CD Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
6 Month Certificate of Deposit
$1,000
4.40%
▲ 1.61% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.61% above avgNationally 2.78%
Details
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
6-Month Certificate
$100
4.40%
▲ 1.61% above New York avg
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.61% above avgNationally 2.78%
Details
Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 5, 20264.40%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
6-Month Term/IRA - Single - 6 MONTH TERM ACCOUNT
$0
4.40%
▲ 1.61% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.61% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.40% APY
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
6-Month Term/IRA Term - Single 6 Month Term Account
$0
4.40%
▲ 1.61% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.61% above avgNationally 2.78%
Details
Open now
Rate History
No change since Oct 13, 2026 · 4.40% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
6 Month Certificate
$0
4.35%
▲ 1.56% above New York avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.56% above avgNationally 2.78%
Details
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
6-month CD
$10,000
4.35%
▲ 1.56% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.56% above avgNationally 2.78%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
6 Month 360 CDs
$0
4.30%
▲ 1.51% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.51% above avgNationally 2.78%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
6 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.46% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.46% above avgNationally 2.78%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
1616 Broadway, Schenectady, NY 12306
6 Month Commercial Share Certificate
$500
4.25%
▲ 1.46% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.46% above avgNationally 2.78%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
1616 Broadway, Schenectady, NY 12306
6 Month Certificate
$500
4.25%
▲ 1.46% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.46% above avgNationally 2.78%
Details
Additional deposits are not allowed. Certificate will automatically renew at the time of maturity. Sunmark will provide 30 days notice prior to the maturity date. If you do not contact Sunmark on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Rate is accurate as of August 3, 2026. Speak with a Sunmark representative for current rate information as well as applicable fees and terms. Rates subject to change.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
6 Month Certificates of Deposit
$0
4.20%
▲ 1.41% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.41% above avgNationally 2.78%
Details
Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
6 Months Bank CD
$0
4.20%
▲ 1.41% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.41% above avgNationally 2.78%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 12, 2026 · 4.20% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit - 6 Months
$0
4.20%
▲ 1.41% above New York avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.41% above avgNationally 2.78%
Details
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
6 Month Certificate of Deposits
$100,000
4.15%
▲ 1.36% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.36% above avgNationally 2.78%
Details
Minimum $100,000 required to open an account.
Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 4 times
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
215 Old Campion Rd, New Hartford, NY 13413 4953
6 Month Certificate
$500
4.15%
▲ 1.36% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.36% above avgNationally 2.78%
Details
Compounded/Credited: Monthly/Monthly
Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 6 Months
$0
4.15%
▲ 1.36% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.36% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1490 Franklin Ave, Mineola, NY 11501 4801
6 Month Certificate
$0
4.15%
▲ 1.36% above New York avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.36% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 22, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 6 Months
$0
4.10%
▲ 1.31% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.31% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 5, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
6-MONTH CD
$2,500
4.10%
▲ 1.31% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.31% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
6 Month CD
$1,000
4.05%
▲ 1.26% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.26% above avgNationally 2.78%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
6 Month New Money CD
$1,000
4.05%
▲ 1.26% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.26% above avgNationally 2.78%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
6 Month CD
$1,000
4.00%
▲ 1.21% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
6 Month Online CD
$1,000
4.00%
▲ 1.21% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
13629 38th Ave, Flushing, NY 11354
6 Month CD
$2,500
4.00%
▲ 1.21% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
400 Park Ave, New York, NY 10022
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
6 months up to 1 year (Apply Online)
$1,000
4.00%
▲ 1.21% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1537 Milton Ave, Solvay, NY 13209
6 Month Certificate of Deposit Special
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
6 Month Share & IRA Share Certificate
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Rate History
1 change since Oct 8, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 12, 20264.00%▲ from 3.60%
- Oct 8, 20263.60%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
6 Month Super Share & IRA Certificate
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY 13413 6207
6 Month Business Term Share Certificates
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
minimum balance to earn dividends
Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 2 times
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY 13413 6207
6 Month IRA Certificate
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
minimum balance to earn dividends
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY 13413 6207
6 Month Share Certificate
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
minimum balance to earn dividends
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY 13413 6207
6 Month Youth Share Certificate
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
minimum balance to earn dividends
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
390 W Seneca St, Sherrill, NY 13461
6 Month Share Certificates
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Balance: $1,000.00 & over; Share Certificate Minimum Balance: $1,000.00
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Dulles State Office Building, WATERTOWN, NY 13601
6 Month Share Certificate
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Dividend Rate: 3.9285%
Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
6-Month Share Certificate
$1,000
4.00%
▲ 1.21% above New York avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Early withdrawal penalty: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
- Sep 18, 20264.00%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 6 Months
$50
4.00%
▲ 1.21% above New York avg
▼
Rate4.00%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 9, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month IRA Share Certificate
$500
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
$500 minimum to open; penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month Share Certificate
$500
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
$500 minimum to open; penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month Youth Share Certificate
$100
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
$100 minimum to open; penalty may apply for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
4311 Middle Settlement Rd, New Hartford, NY 13413
6 Month Term Share Certificate
$0
4.00%
▲ 1.21% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Minimum balance of $500 on 6 month term; dividends compounded and posted monthly; early withdrawal dividend penalties apply
Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 3 times
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
NY
Share Certificates - 6 Months
$0
4.00%
▲ 1.21% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.79%▲ 1.21% above avgNationally 2.78%
Details
Balance: $10,000+; Basic*: 2.90% APY; Better**: 3.40% APY; Best***: 4.00% APY; ****: $10,000+
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
New York 12 Month CD Rates
MonitorBankRates New York Average · 12 Month CD3.02% APY▲ 0.03% from last weekNational 2.99%
The average 12-month CD rate in New York is 3.02% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
1 Year Youth Share Certificate
$0
5.50%
▲ 2.48% above New York avg
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 2.48% above avgNationally 2.99%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 3 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
12 Month Certificates of Deposit
$0
4.75%
▲ 1.73% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.73% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 20, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Oct 12, 20264.75%▲ from 4.40%
- Oct 4, 20264.40%▲ from 4.35%
- Sep 20, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit - 12 Months
$0
4.75%
▲ 1.73% above New York avg
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.73% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.75% APY · checked 2 times
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
1 Year Certificate
$500
4.58%
▲ 1.56% above New York avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.56% above avgNationally 2.99%
Details
Certificate Type: 1 Year (12 months); Required On Deposit: $500.00
Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 2 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
1-year IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Traditional IRA; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth Conversion IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Roth Conversion IRA; Dividend Rate 4.41%, APY 4.50%
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Roth IRA term share certificate; Dividend Rate 4.41%; minimum opening deposit $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
1-year TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
12-Month Certificate
$100
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 5, 20264.50%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
12-Month Term/IRA Term - Single 12 Month Term Account
$0
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Balance: $100.00 minimum to open and earn APY; fixed-rate certificate; dividends compounded and paid monthly; penalty if funds withdrawn before maturity
Rate History
No change since Oct 13, 2026 · 4.50% APY
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 12 MONTH TERM ACCOUNT
$0
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Certificate/Term Account (like a CD)
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 5, 20264.50%▲ from 4.35%
- Sep 18, 20264.35%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
1916 Black River Blvd N, Rome, NY 13440 2430
12 Month Share Certificates
$50
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. 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. Membership eligibility required. Insured by NCUA.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 1 year
$0
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
411 Theodore Fremd Ave, Rye, NY 10580
12 Month Certificate
$0
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Special Rate
Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
- Oct 1, 20264.50%▲ from 4.36%
- Sep 14, 20264.36%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
12 Month Certificate
$0
4.50%
▲ 1.48% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
12-month CD
$10,000
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
12 months High-Yield CD
$500
4.40%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 6, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
12 Month Certificate of Deposit
$1,000
4.40%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
12 Month CD
$1,000
4.35%
▲ 1.33% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
12 Month New Money CD
$1,000
4.35%
▲ 1.33% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.33% above New York avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
12 Month 360 CDs
$0
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
12 Month CD
$1,000
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
12 Month Online CD
$1,000
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
12-MONTH CD
$500
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
12 Month Certificate of Deposit
$0
4.27%
▲ 1.25% above New York avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.25% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Oct 7, 20264.27%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Seneca Savings
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
35 Oswego St, Baldwinsville, NY 13027
6-12 Month Certificate of Deposit
$25,000
4.25%
▲ 1.23% above New York avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
Must be a new CD funded of at least $25000 to qualify. No new money needed. APY effective for new CDs opened. Rates may change at any time. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Rate is effective 8/25/2026.
Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 4 times
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1441 South Ave, Staten Island, NY 10314
12 Month IRA CD
$1,000
4.25%
▲ 1.23% above New York avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 12 Month Certificate
$500
4.25%
▲ 1.23% above New York avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 3, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY 12883 3106
Trailblazer - 12 Months
$0
4.25%
▲ 1.23% above New York avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
Effective Date: 08/01/2025
Rate History
No change since Oct 12, 2026 · 4.25% APY
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
12 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.23% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 9, 20264.25%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 12 Months
$50
4.25%
▲ 1.23% above New York avg
▼
Rate4.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
NY
Share/IRA Certificate Special - 12 months
$2,500
4.25%
▲ 1.23% above New York avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
Minimum: $2,500 new money or open qualifying account
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1490 Franklin Ave, Mineola, NY 11501 4801
12 Month Certificate
$0
4.25%
▲ 1.23% above New York avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Sep 22, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
12 Month Certificate of Deposit
$0
4.22%
▲ 1.20% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.20% above avgNationally 2.99%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
- Oct 7, 20264.22%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
12 Month Certificate of Deposits
$100,000
4.20%
▲ 1.18% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.18% above avgNationally 2.99%
Details
Minimum $100,000 required to open an account.
Rate History
No change since Sep 27, 2026 · 4.20% APY · checked 4 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
12 Month Certificate
$500
4.15%
▲ 1.13% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.13% above avgNationally 2.99%
Details
Youth Minimum Balance: $50
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 12, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
400 Park Ave, New York, NY 10022
Special 12-Month Fixed Rate
$0
4.11%
▲ 1.09% above New York avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.09% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
4142 Hylan Blvd, Staten Island, NY 10308
12 Month Certificate
$0
4.10%
▲ 1.08% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
4142 Hylan Blvd, Staten Island, NY 10308
12 Month IRA Certificate
$0
4.10%
▲ 1.08% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 12 Month
$0
4.10%
▲ 1.08% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
1-Year Share Certificate
$1,000
4.10%
▲ 1.08% above New York avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Early withdrawal penalty: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Sep 18, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2520 Browncroft Blvd, Rochester, NY 14625
12 Month Youth Certificate
$50
4.10%
▲ 1.08% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Youth certificate must be opened in a Youth Account with a minimum deposit of $50 to earn APY; deposits capped at $10,000; auto-renews at current market rate if not moved
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 3 times
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2520 Browncroft Blvd, Rochester, NY 14625
Youth 12 Months
$50
4.10%
▲ 1.08% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details
Featured youth certificate; must be opened in a Youth Account with minimum deposit of $50 to earn APY; deposits capped at $10,000; renews at current market rate at maturity if not moved
Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 3 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
1 Year Share Certificate
$0
4.08%
▲ 1.06% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.06% above avgNationally 2.99%
Details
Credit at Maturity; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
- Oct 5, 20264.08%▲ from 3.77%
- Sep 14, 20263.77%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
IRA 1 Year Certificate
$500
4.08%
▲ 1.06% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.06% above avgNationally 2.99%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.08% APY
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
755 Co Op City Blvd, Bronx, NY 10475
12-Month Bonus Rate K New Money
$5,000
4.07%
▲ 1.05% above New York avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average3.02%▲ 1.05% above avgNationally 2.99%
Details
$5; You may be eligible for a 0.50% increase on the current Dividend Rate on the 12 Months Share Certificate account if you meet certain eligibility requirements. To be eligible, you must open a 12 Month Share Certificate account or renew an existing 12 Month Share Certificate account in-person at one of our branches, through our Digital Banking platform, or through our mail-in renewal process. You must also deposit a minimum of $5,000 of New Money into the Share Certificate account at the time of opening or renewing. Any funds that you want to deposit in addition to the $5,000 of New Money may come from accounts you currently have with us and those additional funds will earn the stated APY. The account will automatically renew into the 12 Month Share Certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 12 Month Share Certificate in effect at the time of renewal unless the account is closed prior to maturity or during the ten (10) day renewal grace period or the eligibility requirements of the 12 Months - $5K New Money at satisfied during the ten (10) day renewal grace period. An early withdrawal penalty will apply if the account is closed prior to maturity. "New Money" is defined as funds that are not on deposit in any MCU account at the time the account with the New Money requirement is opened. The New Money requirement may be satisfied by: (1) making a deposit of New Money directly into an account bearing a New Money requirement; or (2) making a deposit of New Money into a savings or checking account and transferring the New Money into the account bearing the New Money requirement within seven (7) days of the date of deposit. Funds transferred into an account bearing a New Money requirement from any MCU account after seven (7) days from the date of deposit will not be eligible to satisfy the New Money requirement.
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
755 Co Op City Blvd, Bronx, NY 10475
12-Month Certificate
$500
4.07%
▲ 1.05% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average3.02%▲ 1.05% above avgNationally 2.99%
Details
New Money promotional rules require funds not currently on deposit with MCU or transferred within seven (7) days.
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
2812 GENESEE ST, UTICA, NY 13502
Share Certificate - 12 Months
$1,000
4.06%
▲ 1.04% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.04% above avgNationally 2.99%
Details
Compounded/Credited: Quarterly/Quarterly
Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
12 Month Certificate of Deposit
$0
4.06%
▲ 1.04% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.04% above avgNationally 2.99%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
- Oct 7, 20264.06%▲ from 3.85%
- Sep 18, 20263.85%first recorded
New York 18 Month CD Rates
MonitorBankRates New York Average · 18 Month CD2.98% APY▲ 0.01% from last weekNational 2.87%
The average 18-month CD rate in New York is 2.98% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
18 Month Certificate
$0
4.65%
▲ 1.67% above New York avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.98%▲ 1.67% above avgNationally 2.87%
Details
Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
18-month CD
$10,000
4.65%
▲ 1.67% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.98%▲ 1.67% above avgNationally 2.87%
Details
Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
- Sep 24, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
18-Month Promo Certificate
$100,000
4.50%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.52% above avgNationally 2.87%
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 8, 20264.50%▲ from 4.35%
- Oct 4, 20264.35%▼ from 4.50%
- Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
18-Month Promotional Certificate
$0
4.50%
▲ 1.52% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.52% above avgNationally 2.87%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
18-month IRA TSC
$1,000
4.50%
▲ 1.52% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.52% above avgNationally 2.87%
Details
Traditional IRA; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
18-month Roth IRA TSC
$1,000
4.50%
▲ 1.52% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.52% above avgNationally 2.87%
Details
Roth IRA term share certificate; Dividend Rate 4.41%; minimum opening deposit $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
18-month TSC
$1,000
4.50%
▲ 1.52% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.52% above avgNationally 2.87%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
7921 Metropolitan Ave, Middle Village, NY 11379
18 Month Variable Rate IRA
$100
4.46%
▲ 1.48% above New York avg
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.48% above avgNationally 2.87%
Details
Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
- Oct 7, 20264.46%▲ from 4.15%
- Sep 19, 20264.15%first recorded
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
128 E 4th St, Dunkirk, NY 14048
18 Month Certificate
$0
4.44%
▲ 1.46% above New York avg
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.46% above avgNationally 2.87%
Details
Rate History
No change since Oct 3, 2026 · 4.44% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
18 Month CD
$500
4.40%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.98%▲ 1.42% above avgNationally 2.87%
Details
10-Day CD Rate Guarantee
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 10, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
18 months High-Yield CD
$500
4.40%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.98%▲ 1.42% above avgNationally 2.87%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
1 1/2 Years (18 Months) Certificate of Deposit
$250
4.40%
▲ 1.42% above New York avg
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.42% above avgNationally 2.87%
Details
Term: 1 1/2 Years (18 Months)
Rate History
1 change since Sep 20, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
- Oct 3, 20264.40%▲ from 3.75%
- Sep 20, 20263.75%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
18 Month Certificates of Deposit
$0
4.40%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.42% above avgNationally 2.87%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
18 Months Bank CD
$0
4.40%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.42% above avgNationally 2.87%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 12, 2026 · 4.40% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit - 18 Months
$0
4.40%
▲ 1.42% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.42% above avgNationally 2.87%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
18 Month Certificate of Deposit
$0
4.37%
▲ 1.39% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.39% above avgNationally 2.87%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 7, 20264.37%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
18-Month Promo Certificate
$100
4.35%
▲ 1.37% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.37% above avgNationally 2.87%
Details
Or, 4.35% APY* with $100 min.
Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 12, 20264.35%▼ from 4.50%
- Oct 4, 20264.50%▲ from 4.35%
- Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
18-Month Promotional Certificate
$0
4.35%
▲ 1.37% above New York avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.37% above avgNationally 2.87%
Details
Regular
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Business 18-Month Promotional Certificate
$0
4.35%
▲ 1.37% above New York avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.37% above avgNationally 2.87%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 12, 2026 · 4.35% APY
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
18 Month Certificate of Deposit
$0
4.32%
▲ 1.34% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.34% above avgNationally 2.87%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 7, 20264.32%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
18 Month 360 CDs
$0
4.30%
▲ 1.32% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.32% above avgNationally 2.87%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
18-Month CD - Promo
$2,000
4.30%
▲ 1.32% above New York avg
▼
Rate4.22%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.98%▲ 1.32% above avgNationally 2.87%
Details
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 3 times
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 18 Months
$50
4.25%
▲ 1.27% above New York avg
▼
Rate4.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.27% above avgNationally 2.87%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
18-MONTH CD
$500
4.25%
▲ 1.27% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.98%▲ 1.27% above avgNationally 2.87%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Business 18-Month Promotional Certificate
$0
4.20%
▲ 1.22% above New York avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.22% above avgNationally 2.87%
Details
Regular
Rate History
No change since Oct 12, 2026 · 4.20% APY
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
18 Month Share Certificate
$0
4.18%
▲ 1.20% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.20% above avgNationally 2.87%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
18 Month Certificate of Deposit
$0
4.16%
▲ 1.18% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.18% above avgNationally 2.87%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
- Oct 7, 20264.16%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
6611 Manlius Center Rd, East Syracuse, NY 13057
18 Month CD Special with Active Account
$0
4.15%
▲ 1.17% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.17% above avgNationally 2.87%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 8, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Sep 18, 20264.15%▲ from 4.05%
- Sep 8, 20264.05%first recorded
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY 12883 3106
Trailblazer - 18 Months
$0
4.15%
▲ 1.17% above New York avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.17% above avgNationally 2.87%
Details
Effective Date: 08/01/2025
Rate History
No change since Oct 12, 2026 · 4.15% APY
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificates - 18 Month Jumbo
$0
4.10%
▲ 1.12% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.12% above avgNationally 2.87%
Details
Jumbo
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Sep 29, 20264.10%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
2525 Military Rd, Niagara Falls, NY 14304
18 Month KIDS Account Certificate
$0
4.10%
▲ 1.12% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.98%▲ 1.12% above avgNationally 2.87%
Details
Rate History
1 change since Sep 18, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
- Sep 29, 20264.10%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
Certificate - 18 Month
$500
4.08%
▲ 1.10% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.10% above avgNationally 2.87%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
IRA Certificate - 18 Month
$500
4.08%
▲ 1.10% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.10% above avgNationally 2.87%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
207 Genesee St, Utica, NY 13501
18-Month Certificate IRA
$1,000
4.07%
▲ 1.09% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.09% above avgNationally 2.87%
Details
Individual Retirement Account (IRA) Rates
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
18 Month Traditional Share Certificate
$1,000
4.07%
▲ 1.09% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.09% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 5, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
18 Month Certificate of Deposits
$100,000
4.05%
▲ 1.07% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.07% above avgNationally 2.87%
Details
Minimum $100,000 required to open an account.
Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
6611 Manlius Center Rd, East Syracuse, NY 13057
18 Month CD Special with Active Account
$0
4.05%
▲ 1.07% above New York avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.07% above avgNationally 2.87%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
264 E Merrick Rd, Valley Stream, NY 11580 6034
18-Month Certificate
$100
4.00%
▲ 1.02% above New York avg
▼
Rate3.87%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
81 Water St, Staten Island, NY 10304
18-Month CD
$500
4.00%
▲ 1.02% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7 Edward J Lempka Dr, Florida, NY 10921
Private 18 Month
$0
4.00%
▲ 1.02% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Balance: $500+
Rate History
1 change since Sep 18, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 7, 20264.00%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7 Edward J Lempka Dr, Florida, NY 10921
Private 18-Month CD
$500
4.00%
▲ 1.02% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
for existing or new Private Checking account holders. Enjoy the flexibility of a short-term CD. Earn guaranteed returns.
Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 2, 20264.00%▲ from 0.02%
- Sep 9, 20260.02%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1026 Conklin Rd, Conklin, NY 13748
Account 18 Month Pick Your Term
$5,000
4.00%
▲ 1.02% above New York avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Balance: $5,000 or more
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
112 State St, Albany, NY 12207
18 Months CD
$0
4.00%
▲ 1.02% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Sep 24, 20264.00%▲ from 3.60%
- Sep 19, 20263.60%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
18 Month Share & IRA Share Certificate
$0
4.00%
▲ 1.02% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Rate History
1 change since Oct 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 12, 20264.00%▲ from 3.75%
- Oct 8, 20263.75%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
18 Month Super Share & IRA Certificate
$0
4.00%
▲ 1.02% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
215 Old Campion Rd, New Hartford, NY 13413 4953
18 Month Certificate
$500
4.00%
▲ 1.02% above New York avg
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Compounded/Credited: Qrtly/Qrtly
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY 10278 1300
Certificate - 18 Months
$500
4.00%
▲ 1.02% above New York avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
New Deposits Only; Minimum deposit of $500 required to open and earn the stated APY
Rate History
No change since Oct 13, 2026 · 4.00% APY
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY 10278 1300
Certificates / IRA Certificates - 18 Months
$500
4.00%
▲ 1.02% above New York avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
New Deposits Only; Minimum deposit of $500 required to open and earn the stated APY
Rate History
No change since Oct 13, 2026 · 4.00% APY
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificates - 18 Month
$0
4.00%
▲ 1.02% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Sep 29, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Metro Realtors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
535 Broadhollow Rd Ste A4, Melville, NY 11747
18 Month CD for New Member
$0
4.00%
▲ 1.02% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.98%▲ 1.02% above avgNationally 2.87%
Details
Maximum deposit: $10,000
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
New York 24 Month CD Rates
MonitorBankRates New York Average · 24 Month CD2.96% APY▲ 0.10% from last weekNational 2.88%
The average 24-month CD rate in New York is 2.96% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
2 Year Youth Share Certificate
$0
5.00%
▲ 2.04% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 2.04% above avgNationally 2.88%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 3 times
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 2 year
$0
4.75%
▲ 1.79% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.79% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
24 Month Certificate
$0
4.70%
▲ 1.74% above New York avg
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.74% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
7102 Forest Ave, Ridgewood, NY 11385
2-YEAR TREASURY INDEXED CD
$0
4.59%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.63% above avgNationally 2.88%
Details
TOP THE TREASURY; variable yield account with no cap today!
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 5 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
2 Year Certificate of Deposit
$1,000
4.55%
▲ 1.59% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.59% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
2 Year Certificate
$500
4.53%
▲ 1.57% above New York avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.57% above avgNationally 2.88%
Details
Certificate Type: 2 Year (24 months); Required On Deposit: $500.00
Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
24 Month CD
$1,000
4.45%
▲ 1.49% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.49% above avgNationally 2.88%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
24 Month New Money CD
$1,000
4.45%
▲ 1.49% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.49% above avgNationally 2.88%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
24 Month Certificate of Deposit
$0
4.42%
▲ 1.46% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.46% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 7, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
2 years High-Yield CD
$500
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
24 Month CD
$1,000
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
24 Month Online CD
$1,000
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
2-Year CD - Promo
$2,000
4.40%
▲ 1.44% above New York avg
▼
Rate4.31%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 3 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
24 Month Certificates of Deposit
$0
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
24 Months Bank CD
$0
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit - 24 Months
$0
4.40%
▲ 1.44% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
24 Month Certificate of Deposit
$1,000
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 12, 20264.40%▲ from 4.20%
- Sep 25, 20264.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
24 Month Certificate of Deposit
$0
4.37%
▲ 1.41% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.41% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 7, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1377 Motor Pkwy, Islandia, NY 11749
24 Month Performance CD
$0
4.35%
▲ 1.39% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1490 Franklin Ave, Mineola, NY 11501 4801
24 Month Certificate
$0
4.35%
▲ 1.39% above New York avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
- Sep 22, 20264.35%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
2 Year Share Certificate
$0
4.34%
▲ 1.38% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.34% ▲ 0.47 pts · high 4.34% / low 3.87%
- Oct 5, 20264.34%▲ from 3.87%
- Sep 14, 20263.87%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
IRA 2 Year Certificate
$500
4.34%
▲ 1.38% above New York avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.34% APY
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
420 Lexington Ave Rm 850, New York, NY 10170 0033
24 Month Long-Term Certificates
$50,000
4.34%
▲ 1.38% above New York avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 8 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
24 Month 360 CDs
$0
4.30%
▲ 1.34% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.34% above avgNationally 2.88%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
24 Month Certificate
$500
4.30%
▲ 1.34% above New York avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.34% above avgNationally 2.88%
Details
Online
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
Business 24 Months
$500
4.30%
▲ 1.34% above New York avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.34% above avgNationally 2.88%
Details
Available In-Branch
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
805 Ridge Rd, Webster, NY 14580
24-month CD
$1,000
4.25%
▲ 1.29% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
24 Month CD
$500
4.25%
▲ 1.29% above New York avg
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 3 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
24 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.29% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 24 Months
$50
4.25%
▲ 1.29% above New York avg
▼
Rate4.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
225 W Broad St, Rochester, NY 14608
7 - 24 Month Share Certificate
$0
4.25%
▲ 1.29% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Choose Your Own Term! 7 to 24 months!
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
24-MONTH CD
$500
4.25%
▲ 1.29% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
24 Month Certificate of Deposit
$0
4.22%
▲ 1.26% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.26% above avgNationally 2.88%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
- Oct 7, 20264.22%▲ from 4.01%
- Sep 18, 20264.01%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
24 Month Jumbo Certificate
$0
4.16%
▲ 1.20% above New York avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.20% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 4.16% APY
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
24 Month Super Share & IRA Certificate
$0
4.15%
▲ 1.19% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 4.15% APY
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4720 Baker St, Lakewood, NY 14750 9772
24 Month Share Certificate
$100,000
4.15%
▲ 1.19% above New York avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details
Minimum Deposit: $500; Dividend: 3.93%; APY: 4.00%
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4720 Baker St, Lakewood, NY 14750 9772
Business 24 Month Share Certificate
$100,000
4.15%
▲ 1.19% above New York avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details
Balance: $500 - $100,000
Rate History
1 change since Sep 22, 2026 · 1.90% → 4.15% ▲ 2.25 pts · high 4.15% / low 1.90%
- Oct 10, 20264.15%▲ from 1.90%
- Sep 22, 20261.90%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
24-Month Certificate
$500
4.15%
▲ 1.19% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 6, 20264.15%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates - 24 months
$0
4.15%
▲ 1.19% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 4.15% APY · checked 2 times
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
2 Year Share Certificate
$0
4.11%
▲ 1.15% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.15% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.11% ▲ 0.41 pts · high 4.11% / low 3.70%
- Oct 5, 20264.11%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
Certificate - 24 Month
$500
4.08%
▲ 1.12% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.12% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
1 change since Sep 14, 2026 · 3.61% → 4.08% ▲ 0.47 pts · high 4.08% / low 3.61%
- Sep 20, 20264.08%▲ from 3.61%
- Sep 14, 20263.61%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
IRA Certificate - 24 Month
$500
4.08%
▲ 1.12% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.12% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
423 E 23rd St, New York, NY 10010 5011
Share & IRA Certificate - 24 Months
$0
4.08%
▲ 1.12% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.12% above avgNationally 2.88%
Details
Rates effective 10/1/2026; Nominal Rate 4.00%
Rate History
1 change since Sep 14, 2026 · 3.30% → 4.08% ▲ 0.78 pts · high 4.08% / low 3.30%
- Oct 13, 20264.08%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
24 Month Traditional Share Certificate
$1,000
4.07%
▲ 1.11% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.11% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 5, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
24 Month Share & IRA Share Certificate
$0
4.05%
▲ 1.09% above New York avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.09% above avgNationally 2.88%
Details
Rate History
1 change since Oct 8, 2026 · 3.50% → 4.05% ▲ 0.55 pts · high 4.05% / low 3.50%
- Oct 12, 20264.05%▲ from 3.50%
- Oct 8, 20263.50%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1026 Conklin Rd, Conklin, NY 13748
Account 24 Month Pick Your Term
$5,000
4.00%
▲ 1.04% above New York avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details
Balance: $5,000 or more
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
2 years up to 3 (Apply Online)
$1,000
4.00%
▲ 1.04% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) - 2 years up to 3
$1,000
4.00%
▲ 1.04% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Sawyer Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.69%
87 Market St, Saugerties, NY 12477
24 Month Certificate of Deposit
$500
4.00%
▲ 1.04% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 3 times
Sawyer Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.69%
87 Market St, Saugerties, NY 12477
Business 24 Month Certificate of Deposit
$0
4.00%
▲ 1.04% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
New York 36 Month CD Rates
MonitorBankRates New York Average · 36 Month CD2.76% APY▲ 0.03% from last weekNational 2.81%
The average 36-month CD rate in New York is 2.76% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
36 Month CD
$0
4.90%
▲ 2.14% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.76%▲ 2.14% above avgNationally 2.81%
Details
Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
- Oct 3, 20264.90%▲ from 3.18%
- Sep 19, 20263.18%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
IRA 36 Month CD
$1,000
4.90%
▲ 2.14% above New York avg
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.76%▲ 2.14% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.90% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Traditional 36 Month CD
$0
4.90%
▲ 2.14% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.76%▲ 2.14% above avgNationally 2.81%
Details
Traditional/Roth IRA Accounts
Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
- Oct 3, 20264.90%▲ from 3.18%
- Sep 19, 20263.18%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
36 Month Certificate
$0
4.85%
▲ 2.09% above New York avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.76%▲ 2.09% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
3 Year Certificate of Deposit
$1,000
4.55%
▲ 1.79% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.79% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month Certificate of Deposit
$0
4.52%
▲ 1.76% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.76% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
- Oct 7, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month IRA CD
$0
4.52%
▲ 1.76% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.76% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
- Oct 2, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 36 Months
$50
4.50%
▲ 1.74% above New York avg
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.74% above avgNationally 2.81%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month Certificate of Deposit
$0
4.47%
▲ 1.71% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.71% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
- Oct 7, 20264.47%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month IRA CD
$0
4.47%
▲ 1.71% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.71% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
- Oct 2, 20264.47%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
3 years High-Yield CD
$500
4.40%
▲ 1.64% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.76%▲ 1.64% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
36 Month Certificates of Deposit
$0
4.40%
▲ 1.64% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.64% above avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
36 Months Bank CD
$0
4.40%
▲ 1.64% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.64% above avgNationally 2.81%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 12, 2026 · 4.40% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit - 36 Months
$0
4.40%
▲ 1.64% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.64% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
36 Month Certificate of Deposit
$1,000
4.40%
▲ 1.64% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.64% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 12, 20264.40%▲ from 4.25%
- Sep 25, 20264.25%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
36-Month Certificate
$500
4.35%
▲ 1.59% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.76%▲ 1.59% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 6, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates - 36 months
$0
4.35%
▲ 1.59% above New York avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.76%▲ 1.59% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month Certificate of Deposit
$0
4.32%
▲ 1.56% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.56% above avgNationally 2.81%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 7, 20264.32%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month IRA CD
$0
4.32%
▲ 1.56% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.56% above avgNationally 2.81%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 2, 20264.32%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
36 Month 360 CDs
$0
4.30%
▲ 1.54% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.54% above avgNationally 2.81%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
3 Year Share Certificate
$0
4.29%
▲ 1.53% above New York avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.53% above avgNationally 2.81%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 3.72% → 4.29% ▲ 0.57 pts · high 4.29% / low 3.72%
- Oct 5, 20264.29%▲ from 3.72%
- Sep 14, 20263.72%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
IRA 3 Year Certificate
$500
4.29%
▲ 1.53% above New York avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.53% above avgNationally 2.81%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.29% APY
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
36 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.49% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.49% above avgNationally 2.81%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
3 Year Share Certificate
$0
4.22%
▲ 1.46% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.46% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 14, 2026 · 3.59% → 4.22% ▲ 0.63 pts · high 4.22% / low 3.59%
- Oct 5, 20264.22%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.59%
- Sep 14, 20263.59%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
36 Month Super Share & IRA Certificate
$0
4.20%
▲ 1.44% above New York avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.44% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 4.20% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
3 Year ESA Long-Term Certificate
$100,000
4.15%
▲ 1.39% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.76%▲ 1.39% above avgNationally 2.81%
Details
Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
3 Year ESA Long-Term Certificate
$1,000
4.10%
▲ 1.34% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.76%▲ 1.34% above avgNationally 2.81%
Details
Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
3 years up to 4 (Apply Online)
$1,000
4.10%
▲ 1.34% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.34% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) - 3 years up to 4
$1,000
4.10%
▲ 1.34% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.34% above avgNationally 2.81%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 2, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
36 Month Share & IRA Share Certificate
$0
4.10%
▲ 1.34% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.34% above avgNationally 2.81%
Details
Rate History
1 change since Oct 8, 2026 · 3.50% → 4.10% ▲ 0.60 pts · high 4.10% / low 3.50%
- Oct 12, 20264.10%▲ from 3.50%
- Oct 8, 20263.50%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
36 Month Traditional Share Certificate
$5,000
4.07%
▲ 1.31% above New York avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.31% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 5, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
IRA Term Share Accounts - 36 Months
$500
4.07%
▲ 1.31% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.31% above avgNationally 2.81%
Details
Rate History
No change since Oct 5, 2026 · 4.07% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month Certificate of Deposit
$0
4.01%
▲ 1.25% above New York avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.25% above avgNationally 2.81%
Details
Balance: $10,000.00 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
- Oct 7, 20264.01%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month IRA CD
$0
4.01%
▲ 1.25% above New York avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.25% above avgNationally 2.81%
Details
Balance: $10,000.00 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
- Oct 2, 20264.01%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
3 Years (36 Months) Certificate of Deposit
$250
4.00%
▲ 1.24% above New York avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 3, 20264.00%▲ from 3.50%
- Sep 20, 20263.50%first recorded
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
65 WRIGHT CIR, AUBURN, NY 13021 3135
3 Year Certificate
$0
4.00%
▲ 1.24% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.24% above avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
36 Month Term Account
$0
4.00%
▲ 1.24% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.24% above avgNationally 2.81%
Details
Single account
Rate History
No change since Oct 13, 2026 · 4.00% APY
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 36 MONTH TERM ACCOUNT
$0
4.00%
▲ 1.24% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.24% above avgNationally 2.81%
Details
Single account
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
36 Month Certificate
$500
4.00%
▲ 1.24% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.76%▲ 1.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Sep 27, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
Business 36-Month Certificate
$500
4.00%
▲ 1.24% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.76%▲ 1.24% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Sep 27, 20264.00%▲ from 3.60%
- Sep 14, 20263.60%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
3-Year Share Certificate
$1,000
3.98%
▲ 1.22% above New York avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.22% above avgNationally 2.81%
Details
Early withdrawal penalty: 9 Months Dividends
Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 8 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
36 Month Jumbo Certificate
$0
3.96%
▲ 1.20% above New York avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.20% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.96% APY
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9823 Science Center Dr, Painted Post, NY 14870
36 month IRA certificate jumbo
$0
3.96%
▲ 1.20% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.20% above avgNationally 2.81%
Details
IRA certificate; Jumbo Share Certificate ($100,000 or more); Early withdrawal penalty may be imposed; Rates subject to change without notice
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
- Oct 13, 20263.96%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5 Murray St, Glens Falls, NY 12801
Certificate of Deposit - 36 Month
$0
3.95%
▲ 1.19% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.76%▲ 1.19% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 5, 20263.95%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
3 Year IRA Share Certificate Accounts
$0
3.93%
▲ 1.17% above New York avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.17% above avgNationally 2.81%
Details
Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 4, 2026 · 3.93% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month Certificate of Deposit
$0
3.85%
▲ 1.09% above New York avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.09% above avgNationally 2.81%
Details
Balance: $1,000.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Oct 7, 20263.85%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
36 Month IRA CD
$0
3.85%
▲ 1.09% above New York avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.76%▲ 1.09% above avgNationally 2.81%
Details
Balance: $1,000.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
- Oct 2, 20263.85%▲ from 3.60%
- Sep 18, 20263.60%first recorded
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
755 Co Op City Blvd, Bronx, NY 10475
36-month IRA Share Certificate
$0
3.82%
▲ 1.06% above New York avg
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.76%▲ 1.06% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
755 Co Op City Blvd, Bronx, NY 10475
36-Month Share Certificate
$500
3.82%
▲ 1.06% above New York avg
▼
Rate3.82%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.76%▲ 1.06% above avgNationally 2.81%
Details
The 36-Month Share Certificate Account is a fixed rate account and the rate may change after the account is opened. A penalty may be imposed for early withdrawals. Upon maturity, the 36 Month Share Certificate will roll over into a 36-month Share Certificate.
Rate History
No change since Sep 29, 2026 · 3.82% APY · checked 4 times
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
3 Year IRA Share Certificate Accounts
$0
3.80%
▲ 1.04% above New York avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.76%▲ 1.04% above avgNationally 2.81%
Details
Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
New York 48 Month CD Rates
MonitorBankRates New York Average · 48 Month CD2.69% APY▲ 0.06% from last weekNational 2.80%
The average 48-month CD rate in New York is 2.69% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 3 and 4 year
$0
5.00%
▲ 2.31% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 2.31% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
48 Month Certificate
$0
4.95%
▲ 2.26% above New York avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 2.26% above avgNationally 2.80%
Details
Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month Certificate of Deposit
$0
4.58%
▲ 1.89% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.89% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 7, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month IRA CD
$0
4.58%
▲ 1.89% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.89% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 2, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
4 Year Certificate of Deposit
$1,000
4.55%
▲ 1.86% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.86% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month Certificate of Deposit
$0
4.52%
▲ 1.83% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.83% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
- Oct 7, 20264.52%▲ from 4.32%
- Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month IRA CD
$0
4.52%
▲ 1.83% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.83% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
- Oct 2, 20264.52%▲ from 4.32%
- Sep 18, 20264.32%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 48 Months
$50
4.50%
▲ 1.81% above New York avg
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.81% above avgNationally 2.80%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
4 years High-Yield CD
$500
4.40%
▲ 1.71% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
48 Month Certificate of Deposit
$1,000
4.40%
▲ 1.71% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details
Rate History
1 change since Sep 25, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 12, 20264.40%▲ from 4.30%
- Sep 25, 20264.30%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
4 Year Share Certificate
$0
4.39%
▲ 1.70% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.70% above avgNationally 2.80%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
No change since Oct 9, 2026 · 4.39% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
48 Month CD
$0
4.38%
▲ 1.69% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details
Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
- Oct 3, 20264.38%▲ from 3.08%
- Sep 19, 20263.08%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
IRA 48 Month CD
$1,000
4.38%
▲ 1.69% above New York avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.38% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Traditional 48 Month CD
$0
4.38%
▲ 1.69% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details
Traditional/Roth IRA Accounts
Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
- Oct 3, 20264.38%▲ from 3.08%
- Sep 19, 20263.08%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month Certificate of Deposit
$0
4.37%
▲ 1.68% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.68% above avgNationally 2.80%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 7, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month IRA CD
$0
4.37%
▲ 1.68% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.68% above avgNationally 2.80%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 2, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
4 Year Certificate
$0
4.34%
▲ 1.65% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.65% above avgNationally 2.80%
Details
Credit Quarterly; Compound Daily
Rate History
No change since Oct 9, 2026 · 4.34% APY · checked 2 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
IRA 4 Year Certificate
$500
4.34%
▲ 1.65% above New York avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.65% above avgNationally 2.80%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.34% APY
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
4 Year Share Certificate
$0
4.32%
▲ 1.63% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.63% above avgNationally 2.80%
Details
Rate History
2 changes since Sep 14, 2026 · 3.49% → 4.32% ▲ 0.83 pts · high 4.32% / low 3.49%
- Oct 5, 20264.32%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
48 Month 360 CDs
$0
4.30%
▲ 1.61% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.61% above avgNationally 2.80%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
48 Month Super Share & IRA Certificate
$0
4.25%
▲ 1.56% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.56% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 4.25% APY
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
48 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.56% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.56% above avgNationally 2.80%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
4 years up to 5 (Apply Online)
$1,000
4.20%
▲ 1.51% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) - 4 years up to 5
$1,000
4.20%
▲ 1.51% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 2, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
48 Month Share & IRA Share Certificate
$0
4.15%
▲ 1.46% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details
Rate History
1 change since Oct 8, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55%
- Oct 12, 20264.15%▲ from 3.55%
- Oct 8, 20263.55%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
48-Month Certificate
$100
4.15%
▲ 1.46% above New York avg
▼
Rate4.07%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details
Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
48-Month Term/IRA Term
$0
4.15%
▲ 1.46% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details
Single - 48 MONTH TERM ACCOUNT; Certificate Account; fixed rate; dividends compounded and paid monthly; penalty for withdrawal before maturity
Rate History
No change since Sep 21, 2026 · 4.15% APY · checked 6 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 48 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.46% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details
Certificate Accounts; 48-Month Term/IRA
Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month Certificate of Deposit
$0
4.06%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details
Balance: $10,000.00 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
- Oct 7, 20264.06%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month IRA CD
$0
4.06%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details
Balance: $10,000.00 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
- Oct 2, 20264.06%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
4 Year IRA Share Certificate Accounts
$0
4.06%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details
Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 2 times
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
48 Month Certificate
$500
4.05%
▲ 1.36% above New York avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.36% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 27, 20264.05%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
Business 48-Month Certificate
$500
4.05%
▲ 1.36% above New York avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.36% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 27, 20264.05%▲ from 3.60%
- Sep 14, 20263.60%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
4.03%
▲ 1.34% above New York avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.34% above avgNationally 2.80%
Details
Early withdrawal penalty: 9 Months Dividends
Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 8 times
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
48 Month CD
$0
4.00%
▲ 1.31% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.31% above avgNationally 2.80%
Details
Rate History
1 change since Sep 19, 2026 · 1.91% → 4.00% ▲ 2.09 pts · high 4.00% / low 1.91%
- Oct 3, 20264.00%▲ from 1.91%
- Sep 19, 20261.91%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
4 Years (48 Months) Certificate of Deposit
$250
4.00%
▲ 1.31% above New York avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.31% above avgNationally 2.80%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 3, 20264.00%▲ from 3.50%
- Sep 20, 20263.50%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
48 Month Jumbo Certificate
$0
4.00%
▲ 1.31% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.31% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5 Murray St, Glens Falls, NY 12801
Certificate of Deposit - 48 Month
$0
4.00%
▲ 1.31% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.31% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 5, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
4 Year IRA Share Certificate Accounts
$0
3.93%
▲ 1.24% above New York avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.24% above avgNationally 2.80%
Details
Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 4, 2026 · 3.93% APY · checked 2 times
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
325 Washington Avenue Ext, Albany, NY 12205 5581
48 Month Certificate (with step up option)
$0
3.92%
▲ 1.23% above New York avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.23% above avgNationally 2.80%
Details
Rate History
No change since Oct 6, 2026 · 3.92% APY · checked 2 times
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
325 Washington Avenue Ext, Albany, NY 12205 5581
48-MONTH SHARE CERTIFICATE
$0
3.92%
▲ 1.23% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.23% above avgNationally 2.80%
Details
FEATURED
Rate History
No change since Oct 1, 2026 · 3.92% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month Certificate of Deposit
$0
3.91%
▲ 1.22% above New York avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.22% above avgNationally 2.80%
Details
Balance: $1,000.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
- Oct 7, 20263.91%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
48 Month IRA CD
$0
3.91%
▲ 1.22% above New York avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.22% above avgNationally 2.80%
Details
Balance: $1,000.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
- Oct 2, 20263.91%▲ from 3.70%
- Sep 18, 20263.70%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
48 Month Certificate
$0
3.85%
▲ 1.16% above New York avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.16% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 3.85% APY
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
2525 Military Rd, Niagara Falls, NY 14304
4 Year KIDS Account Certificate
$0
3.85%
▲ 1.16% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.69%▲ 1.16% above avgNationally 2.80%
Details
JUMBO Minimum Balance: $50,000
Rate History
1 change since Sep 21, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 29, 20263.85%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
423 E 23rd St, New York, NY 10010 5011
Share & IRA Certificate - 48 Months
$0
3.82%
▲ 1.13% above New York avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.13% above avgNationally 2.80%
Details
Rates effective 10/1/2026; Nominal Rate 3.75%
Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
- Oct 13, 20263.82%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
4 Year IRA Share Certificate Accounts
$0
3.80%
▲ 1.11% above New York avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.11% above avgNationally 2.80%
Details
Balance: $1,000 - $49,999.99; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2401 44th Rd, Long Island City, NY 11101
48 Month Standard Share Certificate
$500
3.75%
▲ 1.06% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details
Rate History
1 change since Sep 25, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
- Oct 12, 20263.75%▲ from 3.35%
- Sep 25, 20263.35%first recorded
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
2787 Niagara Falls Blvd, Amherst, NY 14228
48 Month Share Certificate
$0
3.75%
▲ 1.06% above New York avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
2787 Niagara Falls Blvd, Amherst, NY 14228
Regular IRA and Roth IRA 48 Month Share Certificate
$0
3.75%
▲ 1.06% above New York avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 3.75% APY
New York 60 Month CD Rates
MonitorBankRates New York Average · 60 Month CD2.86% APY▲ 0.04% from last weekNational 2.90%
The average 60-month CD rate in New York is 2.86% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA - 5 years
$0
5.25%
▲ 2.39% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.86%▲ 2.39% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 5.25% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
60 Month Certificate
$0
5.00%
▲ 2.14% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.86%▲ 2.14% above avgNationally 2.90%
Details
Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
60 Month CD
$0
4.64%
▲ 1.78% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.86%▲ 1.78% above avgNationally 2.90%
Details
Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
- Oct 3, 20264.64%▲ from 3.23%
- Sep 19, 20263.23%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
IRA 60 Month CD
$1,000
4.64%
▲ 1.78% above New York avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.86%▲ 1.78% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 4.64% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Traditional 60 Month CD
$0
4.64%
▲ 1.78% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.86%▲ 1.78% above avgNationally 2.90%
Details
Traditional/Roth IRA Accounts
Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
- Oct 3, 20264.64%▲ from 3.23%
- Sep 19, 20263.23%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month Certificate of Deposit
$0
4.63%
▲ 1.77% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.77% above avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
- Oct 7, 20264.63%▲ from 4.42%
- Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month IRA CD
$0
4.63%
▲ 1.77% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.77% above avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
- Oct 2, 20264.63%▲ from 4.42%
- Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month Certificate of Deposit
$0
4.58%
▲ 1.72% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.72% above avgNationally 2.90%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 7, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month IRA CD
$0
4.58%
▲ 1.72% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.72% above avgNationally 2.90%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 2, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
5 Year Certificate of Deposit
$1,000
4.55%
▲ 1.69% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.69% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month Certificate of Deposit
$0
4.42%
▲ 1.56% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.56% above avgNationally 2.90%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 7, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month IRA CD
$0
4.42%
▲ 1.56% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.56% above avgNationally 2.90%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 2, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
5 years High-Yield CD
$500
4.40%
▲ 1.54% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.86%▲ 1.54% above avgNationally 2.90%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
60 Month Certificates of Deposit
$0
4.40%
▲ 1.54% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.54% above avgNationally 2.90%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
60 Months Bank CD
$0
4.40%
▲ 1.54% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.54% above avgNationally 2.90%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit - 60 Months
$0
4.40%
▲ 1.54% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.54% above avgNationally 2.90%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
60 Month Certificate of Deposit
$1,000
4.40%
▲ 1.54% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.54% above avgNationally 2.90%
Details
Rate History
1 change since Sep 25, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 25, 20264.35%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
5 Year Share Certificate
$0
4.39%
▲ 1.53% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.86%▲ 1.53% above avgNationally 2.90%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.39% ▲ 0.31 pts · high 4.39% / low 4.08%
- Oct 5, 20264.39%▲ from 4.08%
- Sep 14, 20264.08%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
IRA 5 Year Certificate
$500
4.39%
▲ 1.53% above New York avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.86%▲ 1.53% above avgNationally 2.90%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.39% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
60 Month 360 CDs
$0
4.30%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.44% above avgNationally 2.90%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
5 Year Certificate (Apply Online)
$1,000
4.30%
▲ 1.44% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.44% above avgNationally 2.90%
Details
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) - 5 years
$1,000
4.30%
▲ 1.44% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.44% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 2, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
60 Month Super Share & IRA Certificate
$0
4.30%
▲ 1.44% above New York avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.44% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 4.30% APY
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
5 Years (60 Months) Certificate of Deposit
$250
4.25%
▲ 1.39% above New York avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.39% above avgNationally 2.90%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 3, 20264.25%▲ from 3.50%
- Sep 20, 20263.50%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
5 Year Certificate
$500
4.22%
▲ 1.36% above New York avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.86%▲ 1.36% above avgNationally 2.90%
Details
Certificate Type: 5 Year (60 months); Required On Deposit: $500.00
Rate History
No change since Oct 5, 2026 · 4.22% APY · checked 2 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
60 Month Share & IRA Share Certificate
$0
4.20%
▲ 1.34% above New York avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.34% above avgNationally 2.90%
Details
Rate History
1 change since Oct 8, 2026 · 3.55% → 4.20% ▲ 0.65 pts · high 4.20% / low 3.55%
- Oct 12, 20264.20%▲ from 3.55%
- Oct 8, 20263.55%first recorded
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
591 E Main St, Bay Shore, NY 11706 8505
60 Month Business Certificate Account
$0
4.15%
▲ 1.29% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.29% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
591 E Main St, Bay Shore, NY 11706 8505
60 Month Certificate
$0
4.15%
▲ 1.29% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.29% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
591 E Main St, Bay Shore, NY 11706 8505
60 Month IRA Certificate
$0
4.15%
▲ 1.29% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.29% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 60 MONTH TERM ACCOUNT
$100
4.15%
▲ 1.29% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.86%▲ 1.29% above avgNationally 2.90%
Details
Certificate Accounts (60-Month Term/IRA); Minimum deposit of $100 required to open and earn the APY; penalty for withdrawal before maturity
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month Certificate of Deposit
$0
4.11%
▲ 1.25% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.25% above avgNationally 2.90%
Details
Balance: $10,000.00 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
- Oct 7, 20264.11%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month IRA CD
$0
4.11%
▲ 1.25% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.25% above avgNationally 2.90%
Details
Balance: $10,000.00 - $24,999.99
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
- Oct 2, 20264.11%▲ from 3.91%
- Sep 18, 20263.91%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
60 Month Jumbo Certificate
$0
4.11%
▲ 1.25% above New York avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.25% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 4.11% APY
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
2525 Military Rd, Niagara Falls, NY 14304
5 Year KIDS Account Certificate
$0
4.10%
▲ 1.24% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.86%▲ 1.24% above avgNationally 2.90%
Details
JUMBO Minimum Balance: $50,000
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Sep 29, 20264.10%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
60 Month Certificate
$500
4.10%
▲ 1.24% above New York avg
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.86%▲ 1.24% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Sep 27, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
Business 60-Month Certificate
$500
4.10%
▲ 1.24% above New York avg
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.86%▲ 1.24% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Sep 27, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
5-Year Share Certificate
$1,000
4.08%
▲ 1.22% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.86%▲ 1.22% above avgNationally 2.90%
Details
Early withdrawal penalty: 9 Months Dividends
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
IRA Term Share Accounts - 60 Months
$500
4.07%
▲ 1.21% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.86%▲ 1.21% above avgNationally 2.90%
Details
Rate History
No change since Oct 5, 2026 · 4.07% APY · checked 2 times
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
5 Year IRA Share Certificate Accounts
$0
4.06%
▲ 1.20% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.20% above avgNationally 2.90%
Details
Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 2 times
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
425 Main St, Catskill, NY 12414
5 Year 5-STAR CD
$0
4.00%
▲ 1.14% above New York avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.14% above avgNationally 2.90%
Details
Relationship CD-with active checking account*
Rate History
1 change since Sep 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 7, 20264.00%▲ from 3.50%
- Sep 19, 20263.50%first recorded
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
5 Year 5-Star CD - Relationship
$0
4.00%
▲ 1.14% above New York avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.86%▲ 1.14% above avgNationally 2.90%
Details
Relationship CD-with active checking account*
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
5 Year Relationship CD
$0
4.00%
▲ 1.14% above New York avg
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.86%▲ 1.14% above avgNationally 2.90%
Details
with active checking account*
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2401 44th Rd, Long Island City, NY 11101
60 Month Standard Share Certificate
$500
4.00%
▲ 1.14% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.14% above avgNationally 2.90%
Details
Rate History
1 change since Sep 25, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 8, 20264.00%▲ from 3.35%
- Sep 25, 20263.35%first recorded
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5 Murray St, Glens Falls, NY 12801
Certificate of Deposit - 60 Month
$0
4.00%
▲ 1.14% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.86%▲ 1.14% above avgNationally 2.90%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 5, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month Certificate of Deposit
$0
3.96%
▲ 1.10% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.10% above avgNationally 2.90%
Details
Balance: $1,000.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
- Oct 7, 20263.96%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
60 Month IRA CD
$0
3.96%
▲ 1.10% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.86%▲ 1.10% above avgNationally 2.90%
Details
Balance: $1,000.00 - $9,999.99
Rate History
1 change since Sep 18, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
- Oct 2, 20263.96%▲ from 3.75%
- Sep 18, 20263.75%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
60 Month Certificate
$0
3.95%
▲ 1.09% above New York avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.09% above avgNationally 2.90%
Details
Rate History
No change since Oct 12, 2026 · 3.95% APY
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
5 Year IRA Share Certificate Accounts
$0
3.93%
▲ 1.07% above New York avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.07% above avgNationally 2.90%
Details
Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 4, 2026 · 3.93% APY · checked 2 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
Certificate - 60 Month
$500
3.92%
▲ 1.06% above New York avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.06% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 6 month interest
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
IRA Certificate - 60 Month
$500
3.92%
▲ 1.06% above New York avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.86%▲ 1.06% above avgNationally 2.90%
Details
Early Withdrawal Penalty: 6 month interest
Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
New York CD Rate Trends
Compare local New York CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NY Avg
3.020%
▲ 0.025 vs 7 days ago
New York 12-month CD rates rose 0.025 points over the past 7 days to 3.020% APY.
6-Month CD NY Avg
2.787%
▲ 0.044 vs 7 days ago
New York 6-month CD rates rose 0.044 points over the past 7 days to 2.787% APY.
As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions
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NY CD Rate Forecast, Next 12 Months
Where are New York CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
3.020%
6-Month Forecast
3.020%
Range: 2.82%, 3.17%
12-Month Forecast
3.270%
Range: 3.07%, 3.42%
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What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.069% | $103.46 | $206.91 | $517.28 | $1,034.55 |
| 6-Month CD | 2.787% | $139.36 | $278.71 | $696.78 | $1,393.55 |
| 12-Month CD | 3.020% | $150.98 | $301.97 | $754.93 | $1,509.85 |
| 18-Month CD | 2.985% | $149.24 | $298.48 | $746.20 | $1,492.40 |
| 24-Month CD | 2.962% | $148.11 | $296.21 | $740.53 | $1,481.05 |
| 36-Month CD | 2.764% | $138.20 | $276.40 | $691.00 | $1,382.00 |
| 48-Month CD | 2.693% | $134.65 | $269.31 | $673.27 | $1,346.55 |
| 60-Month CD | 2.864% | $143.21 | $286.41 | $716.03 | $1,432.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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Sample CD Ladder for New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.069% | $103.46 |
| 2 | 6-Month CD | $5,000 | 2.787% | $139.36 |
| 3 | 12-Month CD | $5,000 | 3.020% | $150.98 |
| 4 | 24-Month CD | $5,000 | 2.962% | $148.11 |
| 5 | 36-Month CD | $5,000 | 2.764% | $138.20 |
| Total ($25,000 invested) | $25,000 | 2.720% blended | $680.11/yr | |
Ladder example uses equal $5,000 rungs and New York average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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2,127
CD Rates
Tracked in New York
Tracked in New York
61 Banks
102 Credit Unions
About Our New York CD Rate Database
MonitorBankRates tracks 2,127 CD rates from 61 banks and 102 credit unions with locations in New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Cornerstone Community Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in New York.
How to Find the Best CD Rates in New York
What to compare when shopping for a CD in New York
To find the best APYs in New York, start with credit unions and online-only banks: New York has 102 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in New York
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in New York: 163 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare New York savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare New York money market rates
New York Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$50,891
National avg: $47,340
Poverty Rate
14.0%
National avg: 11.1%
Unemployment Rate
6.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$154/yr
At NY 12-mo avg 3.020% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 3.020%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $154 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in New York
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in New York
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New York typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in New York as everywhere in the U.S.
Choosing a CD Term in New York
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New York savers easier access to their funds. For example, Cornerstone Community Federal Credit Union is offering its 6 Month Youth Share Certificate at 6.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Italo American Credit Union is offering its Regular IRA And Roth IRA - 5 years at 5.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for New York Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a New York saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in New York
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the New York CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a New York depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in New York
Are CD rates in New York FDIC insured?
Yes, most established banks in New York are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in New York?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in New York.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in New York may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in New York?
Here are recent top rates found for this area:
- Cornerstone Community Federal Credit Union: 6.00% APY (6 Month Youth Share Certificate)
- Italo American Credit Union: 5.25% APY (Regular IRA And Roth IRA - 5 years)
- Syracuse Fire Department Employees Federal Credit Union: 5.00% APY (6-month TSC)
- Popular Direct: 5.00% APY (60 Month Certificate)
- Massena Savings and Loan: 4.90% APY (36 Month CD)
- Morgan Stanley E-Trade: 4.75% APY (12 Month Certificates of Deposit)
- Citizens & Northern Bank C&N: 4.63% APY (60 Month Certificate of Deposit)
- Ridgewood Savings Bank: 4.59% APY (2-YEAR TREASURY INDEXED CD)
- Consumers Federal Credit Union: 4.58% APY (1 Year Certificate)
- Global Bank: 4.55% APY (2 Year Certificate of Deposit)
Rates reflect recent verified offers available in New York. Last Updated: October 13, 2026
New York CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New York rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for New York
New York CD Calculator
At today’s NY top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.
New York CD LadderNY CD rates currently range from 2.069% (3-month) to 2.764% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New York CD at 6.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew York’s average 12-month CD is 3.020% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New York CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in New York. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026
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