New York Best CD Rates September 2026

Apply Online

Balance: $1,000.00

Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.

Early Withdrawal Penalties May Apply

Penalty for early withdrawal: 3 Months Dividends

Funding Limit*: $12M

Rates are effective as of 6/30/2026

In-Branch

Available: Online

Additional 10 basis points (.10%) for deposits of $50,000 or more

Term: 3 months (90 to 179 days)

Interest penalties for early withdrawal - Up to 12 months Certificates, 3 months worth of dividends

Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.

Rates and Terms shown are for CDs opened or renewed online only.

Additional Deposits Permitted

Additional Deposits Permitted

Penalty for early withdrawal: 3 Months Dividends

Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate.

Rates effective as of 3/02/2026. Offers may be for limited time only. $5 minimum deposit required for Share Account prior to opening a Certificate.

Rates effective as of 3/02/2026. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate.

Annual Percentage Yields (APYs) current as of 18th September 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.

Balance: $10,000+; Basic: 2.90% APY; Better: 3.40% APY

Regular IRA And Roth IRA

Early Withdrawal Penalty: 1 month interest

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.

Term: 6 Month Pick Your Term; Balance: $5,000 or more

Early redemption fee applies.

For 6 months Term. Longer terms Earn Higher Interests; No service fee

Balance: $100,000.00 and over

Rates are effective as of 6/30/2026

APY = Annual Percentage Yield. APY is accurate as of 7/29/2026. Subject to early withdrawal penalties. Fees could reduce earnings on the account.

Compounded: Simple

Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.

Promotional Rate

Interest is not compounded. Interest will be credited to your account at maturity.

Balance: $50,000.00

Term: 18 Month Pick Your Term; Balance: $5,000 or more

3 | New Deposits Only

New Member; $10,000 max

Annual Percentage Yields (APYs) current as of 18th September 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. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.

Annual Percentage Yields (APYs) current as of 18th September 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.

The 7-month, 13-month, and 18-month CDs are promotional products and can be discontinued at any time.

In-Branch

Available: Online

Requires a qualifying checking account.

Balance: $100,000 and over

Term: 1 1/2 Years (18 Months)

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 8/25/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.

Balance: $10,000.00

Penalty for early withdrawal: 60 days loss of dividends