New York Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
Current New York CD rates include 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 5 years at 5.25% APY, Habib American HAB BankHabib American HAB Bank150 East 45th Street, New York, NY 10017A+5.0 ★Texas Ratio: 0.00%Real return: +1.70%APY minus CPI (February 2026) offering 12 Months at 4.50% APY, Morgan Stanley E-TradeMorgan Stanley E-Trade2000 Westchester Ave, Purchase, NY 10577A+5.0 ★Texas Ratio: 1.34%Real return: +1.55%APY minus CPI (February 2026) offering 36 Months at 4.35% APY, Quorum Federal Credit UnionQuorum Federal Credit Union2500 Westchester Ave, Purchase, NY 10577 2587A5.0 ★Texas Ratio: 11.63%Real return: +1.55%APY minus CPI (February 2026) offering 12-Month Certificate at 4.35% APY, and Crescent BankCrescent Bank805 Ridge Rd, Webster, NY 14580C4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY. CD rates as of September 1, 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 5.25% APY from Italo American Credit Union at 6652 Myrtle Ave, Glendale, NY 11385 7057. Rates are continually updated — 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: September 1, 2026
Compare Best CD Rates in New York
New York 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 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
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 East 45th Street, New York, NY 10017
3 Months
$0
4.50%
▲ 2.54% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 2.54% above avg
Details
Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
4160 Main St Ste 103, Flushing, NY 11355
3-Month CD
$0
3.80%
▲ 1.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
3 months up to 6
$10,000
3.80%
▲ 1.84% above national avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.84% above avg
Details
Apply Online
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
3 Month
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
4142 Hylan Blvd, Staten Island, NY 10308
3 month
$0
3.75%
▲ 1.79% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 1.79% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
(Fixed Rate)
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA Certificates of Deposit - 3 Month
$0
3.70%
▲ 1.74% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.74% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
3-Month CD
$500
3.55%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Account matures in 3 months.
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
3-Month CD Special
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Compounded: Simple
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
3 Month
$0
3.55%
▲ 1.59% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
3 Month CD
$0
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Star Relationship CD - 3 Month
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Star Relationship CD
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
3 Months CD
$0
3.50%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
3 Month CD
$500
3.40%
▲ 1.44% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.44% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3301 Country Club Rd, Endwell, NY 13760 3401
3 month to 5 month
$0
3.30%
▲ 1.34% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.34% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
3-Month Share Certificate
$1,000
3.26%
▲ 1.30% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.30% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
90 Day
$250
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 1, 2026
National Average1.96%▲ 1.29% above avg
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY 14626 5104
90 Days
$0
3.25%
▲ 1.29% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus
$0
3.25%
▲ 1.29% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.29% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus
$0
3.10%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.14% above avg
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
3 Month
$0
3.00%
▲ 1.04% above national avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
3 Months
$0
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 3 Months
$0
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
In-Branch
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus
$0
3.00%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
3 Month
$500
3.00%
▲ 1.04% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
400 Park Ave, New York, NY 10022
3 months
$0
2.78%
▲ 0.82% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.82% above avg
Details
(90 to 179 days)
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
8900 VAN WYCK EXPY, JAMAICA, NY 11418
3 months
$500
2.78%
▲ 0.82% above national avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.82% above avg
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
3-month
$100
2.78%
▲ 0.82% above national avg
▼
Rate2.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.82% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
3-Month CD
$1,000
2.75%
▲ 0.79% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Visit your nearest branch to open an account
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2401 44th Rd, Long Island City, NY 11101
3-month
$0
2.75%
▲ 0.79% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.79% above avg
Details
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
128 E 4th St, Dunkirk, NY 14048
3-Month
$0
2.45%
▲ 0.49% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.49% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
3 Month Certificate
$0
2.27%
▲ 0.31% above national avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.31% above avg
Details
Early Withdrawal Penalty: 1 month interest
The Berkshire Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2 S Church St, Goshen, NY 10924
3 Month CD
$10,000
2.02%
▲ 0.06% above national avg
▼
Rate2.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
3 Months
$0
2.02%
▲ 0.06% above national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
3 Month CD
$500
1.90%
▼ 0.06% below national avg
▼
Rate1.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.06% below avg
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
3 Month IRA
$500
1.90%
▼ 0.06% below national avg
▼
Rate1.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.06% below avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
3-Month Term/IRA Term
$0
1.75%
▼ 0.21% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.21% below avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 3 MONTH TERM ACCOUNT
$0
1.75%
▼ 0.21% below national avg
▼
Rate1.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.21% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
3 Month Relationship
$1,000
1.74%
▼ 0.22% below national avg
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.22% below avg
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month
$0
1.70%
▼ 0.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.26% below avg
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month
$0
1.65%
▼ 0.31% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.31% below avg
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
125 Wireless Blvd, Hauppauge, NY 11788 3971
3 Months
$1,000
1.64%
▼ 0.32% below national avg
▼
Rate1.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.32% below avg
Details
New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month
$0
1.55%
▼ 0.41% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.41% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
3 Month Relationship
$1,000
1.50%
▼ 0.46% below national avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15408 Northern Blvd, Flushing, NY 11354
3 Month CD
$500
1.50%
▼ 0.46% below national avg
▼
Rate1.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
120 Motor Pkwy, Hauppauge, NY 11788 5152
3 Month Certificate
$0
1.50%
▼ 0.46% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month
$0
1.50%
▼ 0.46% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.46% below avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
3 Month Relationship
$1,000
1.25%
▼ 0.71% below national avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
3 Month
$0
1.25%
▼ 0.71% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
Credit Frequency: Quarterly
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
3 Months
$1,000
1.24%
▼ 0.72% below national avg
▼
Rate1.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.72% below avg
Details
New York 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 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
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 East 45th Street, New York, NY 10017
6 Months
$0
4.50%
▲ 1.83% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.83% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
6 MONTH TERM ACCOUNT
$0
4.30%
▲ 1.63% above national avg
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.63% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
6-Month Certificate
$100
4.30%
▲ 1.63% above national avg
▼
Rate4.22%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.63% above avg
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
1616 Broadway, Schenectady, NY 12306
6 Month Certificate
$500
4.25%
▲ 1.58% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.58% above avg
Details
Early withdrawal penalties apply. Fees may reduce earnings. 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.
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
6 Month CD and IRA
$0
4.15%
▲ 1.48% above national avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.48% above avg
Details
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
6 Months
$0
4.05%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.38% above avg
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
400 Park Ave, New York, NY 10022
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
1
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
400 Park Ave, New York, NY 10022
Special 6-Month Fixed Rate CD
$10,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
6 months up to 1 year
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Apply Online
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
6 Month Certificate of Deposit Special
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.29%
937 Seneca St, Rome, NY 13440
6 Month Term
$1,000
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY 13413 6207
6 Months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
4451 Commercial Dr, New Hartford, NY 13413 6207
Business 6 Month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
minimum balance to earn dividends
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY 13461
Share Certificates 6 Months
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
6-month TSC
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Dulles State Office Building, WATERTOWN, NY 13601
6 Month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates.
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month IRA Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. $500 minimum balance to open a new Certificate. Penalty may apply for early withdrawals from Certificates.
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month Youth Certificate
$100
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate, $100 minimum deposit required to open Certificate. Penalty may apply for early withdrawals from Certificates.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
6 Month
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
6 months
$0
4.00%
▲ 1.33% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Regular IRA And Roth IRA
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1490 Franklin Ave, Mineola, NY 11501 4801
6 Month Certificate
$0
4.00%
▲ 1.33% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
6 Month Certificate
$0
3.92%
▲ 1.25% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.25% above avg
Details
Early Withdrawal Penalty: 1 month interest
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
6-Month Share Certificate
$1,000
3.87%
▲ 1.20% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.20% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
6 Month CD
$5,000
3.85%
▲ 1.18% above national avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. 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.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
6 Month Pick Your Term
$5,000
3.85%
▲ 1.18% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.18% above avg
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CD 6 months
$1,000
3.80%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
6 Months
$0
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
125 Wireless Blvd, Hauppauge, NY 11788 3971
6 Months
$1,000
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.09% above avg
Details
New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
445 Broadhollow Rd, Melville, NY 11747
6-Month CD
$1,000
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Promotional Rates
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
6 Months
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 6 Month Certificate
$500
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
(Fixed Rate)
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
6 months
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.08% above avg
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
6 Months Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificates 6 months
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
6 Month Plus
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
Spencerport Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
2775 Spencerport rd, Spencerport, NY 14559
6 Month Certificate
$500
3.71%
▲ 1.04% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.04% above avg
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
6 Month CD Special with Active Account
$1,000
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA Certificates of Deposit - 6 Month
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY 14626 5104
6 Months
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
180 Day (6 months)
$250
3.67%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.67%▲ 1.00% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
6 Month CD
$500
3.65%
▲ 0.98% above national avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
6 Month
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
6 Months
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
CASHBACK 6 MONTH CERTIFICATE
$0
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
6 month
$0
3.61%
▲ 0.94% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
6-MONTH
$0
3.61%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.94% above avg
Details
FEATURED SHARE CERTIFICATE
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
6 Months
$0
3.60%
▲ 0.93% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
6 Month CD Special with Active Account
$1,000
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
Details
New York 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 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
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 East 45th Street, New York, NY 10017
12 Months
$0
4.50%
▲ 1.67% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.67% above avg
Details
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
1 year
$0
4.50%
▲ 1.67% above national avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.67% above avg
Details
Regular IRA And Roth IRA
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
12-Month Certificate
$100
4.35%
▲ 1.52% above national avg
▼
Rate4.27%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.52% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 12 MONTH TERM ACCOUNT
$0
4.35%
▲ 1.52% above national avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.52% above avg
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1178 NYS Route 9N, Ticonderoga, NY 12883 3106
12 Months
$0
4.25%
▲ 1.42% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.42% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 12 Month Certificate
$500
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
(Fixed Rate)
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
12 Month CD
$0
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
2520 Browncroft Blvd, Rochester, NY 14625
Youth 12 Months
$0
4.10%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
2812 GENESEE ST, UTICA, NY 13502
12 Months
$1,000
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.23% above avg
Details
Compounded/Credited: Quarterly/Quarterly
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
1 Year IRA Certificate
$0
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.23% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
12 Months
$0
4.05%
▲ 1.22% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.22% above avg
Details
2
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
1 year up to 2
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) 1 year up to 2
$1,000
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
4142 Hylan Blvd, Staten Island, NY 10308
12 month
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Millennium Club Account - 1 Year Term
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY 14626 5104
12 Months
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY 13461
Share Certificates 12 Months
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
1-year IRA TSC
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth Conversion IRA TSC
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth IRA TSC
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
1-year TSC
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
12 Months Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
12 Month IRA Term Share Certificate
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.83%
25 Rykowski Ln, Middletown, NY 10941 4019
Share/IRA Certificate Special - 12 months
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
12 Month IRA
$500
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
12 Months
$0
3.96%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.13% above avg
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CD 12 months
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
445 Broadhollow Rd, Melville, NY 11747
12-Month CD
$1,000
3.95%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.12% above avg
Details
Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
12 Month (IRA Certificate)
$0
3.91%
▲ 1.08% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.08% above avg
Details
IRA Certificate
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
12 Month CD and IRA
$0
3.90%
▲ 1.07% above national avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
12-Month Jumbo Promo Certificate
$100,000
3.90%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.07% above avg
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
12 Month Certificate
$0
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.04% above avg
Details
Early Withdrawal Penalty: 3 month interest
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
1-Year Share Certificate
$1,000
3.87%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.04% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
12 Month Pick Your Term
$5,000
3.85%
▲ 1.02% above national avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
12 Month CD Special with Active Account
$1,000
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
12 Month
$0
3.81%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.98% above avg
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
1 Year
$0
3.77%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
Credit at Maturity
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
1 Year Certificate
$500
3.77%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.94% above avg
Details
Credit Quarterly Compound Daily
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
12 Months
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
12 Month CD Special with Active Account
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
1 Year (12 months)
$250
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.92% above avg
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
12-Month Jumbo Promo Certificate
$100
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Dulles State Office Building, WATERTOWN, NY 13601
12 Month
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
12 Month Plus
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
12 Month Add-on
$100
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
12 Month Add-On IRA
$500
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1490 Franklin Ave, Mineola, NY 11501 4801
12 Month Certificate
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Chen-Del-O Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
114 MAIN ST, FRANKLIN, NY 13775
12 months
$0
3.75%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Penalty for early withdrawal: 60 days loss of dividends
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA Certificates of Deposit - 12 Month
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
IRA Certificates of Deposit 12 Months
$0
3.65%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.82% above avg
Details
New York 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 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
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
18 Months
$0
4.25%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.57% above avg
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
18 Month CD Special with Active Account
$1,000
4.15%
▲ 1.47% above national avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1178 NYS Route 9N, Ticonderoga, NY 12883 3106
18 Months
$0
4.15%
▲ 1.47% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.47% above avg
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
18 Month Variable Rate IRA
$100
4.08%
▲ 1.40% above national avg
▼
Rate3.99%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.40% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
18 Month Certificate
$0
4.08%
▲ 1.40% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.40% above avg
Details
Early Withdrawal Penalty: 3 month interest
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
207 Genesee St, Utica, NY 13501
18-Month Certificate IRA
$1,000
4.07%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.39% above avg
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1178 NYS Route 9N, Ticonderoga, NY 12883 3106
18 Month Special
$0
4.07%
▲ 1.39% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.39% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
18 Months
$0
4.06%
▲ 1.38% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.38% above avg
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
18 Month CD Special with Active Account
$1,000
4.05%
▲ 1.37% above national avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
18 Months
$0
4.01%
▲ 1.33% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.33% above avg
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
264 E Merrick Rd, Valley Stream, NY 11580 6034
18-Month
$100
4.00%
▲ 1.32% above national avg
▼
Rate3.87%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
18 Month Pick Your Term
$5,000
4.00%
▲ 1.32% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
18-month IRA TSC
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
18-month Roth IRA TSC
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
18-month TSC
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
18 Months
$0
4.00%
▲ 1.32% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
3 | New Deposits Only
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
18 Months Certificate
$0
4.00%
▲ 1.32% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.32% above avg
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
18 Month CD
$0
3.95%
▲ 1.27% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.27% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
18 Month (Legacy Club)
$0
3.91%
▲ 1.23% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.23% above avg
Details
Legacy Club
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
18 Month CD
$0
3.90%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
18 Months
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 18 Months
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
In-Branch
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
1 M And T Plz, Buffalo, NY 14203
18-Month M&T Select CD
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
18 Months
$0
3.85%
▲ 1.17% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
18 Month
$0
3.81%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.13% above avg
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
18 Month CD Special without Active Account
$1,000
3.80%
▲ 1.12% above national avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.12% above avg
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
18 months
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
1 1/2 Years (18 Months)
$250
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.68%▲ 1.07% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
18 Month Bump Up
$500
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
Once your account is established, you may make a one time request within the first six (6) months your account is open to exchange your 18 Month Bump Up Share Certificate for another certificate we offer that has a higher rate (excluding another 18 Month Bump Up Share Certificate). The new certificate must have a minimum term of 12 months, and all terms and conditions of the new certificate will apply.
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
18 Month IRA
$500
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
18 Months CD
$0
3.70%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.02% above avg
Details
Chen-Del-O Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
114 MAIN ST, FRANKLIN, NY 13775
18 months
$0
3.65%
▲ 0.97% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.97% above avg
Details
Penalty for early withdrawal: 60 days loss of dividends
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
18 Month CD
$5,000
3.60%
▲ 0.92% above national avg
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.92% above avg
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. 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.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
18 Months
$0
3.56%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.88% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
18 Months
$0
3.55%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
18 Month CD Special without Active Account
$1,000
3.55%
▲ 0.87% above national avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificates 18 months
$0
3.55%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.87% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
18 Month
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
IRA Certificates of Deposit 18 Months
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
18 months
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 18 Month Certificate
$500
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
(Fixed Rate)
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
795 E Main St Ste 1, Cobleskill, NY 12043 1263
18 month Share Certificate
$500
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Offer good for the initial term only for 9, 15 and 25 month Share Certificates. 9 month Share Certificate is automatically renewed for a 9 month term. 15 month Share Certificate is automatically renewed for a 12 month term. 25 month Share Certificate is automatically renewed for a 24 month term. All other Share Certificates are automatically renewed for same length as initial term. Advertised rate and APY are offered at the credit union's discretion and may change daily.
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3031 William St, Cheektowaga, NY 14227
18 Months
$1,000
3.50%
▲ 0.82% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3301 Country Club Rd, Endwell, NY 13760 3401
18 month to 23 month
$0
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY 13790
18 months
$500
3.50%
▲ 0.82% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Penalty for early withdrawal of certificates less than 3 years: 90 days interest.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
18-month term CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
18-month term CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
18-month term IRA CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
18-month term IRA CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.30% Dividend Rate 3.25%
New York 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 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
2 year
$0
4.75%
▲ 2.04% above national avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 2.04% above avg
Details
Regular IRA And Roth IRA
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
805 Ridge Rd, Webster, NY 14580
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
411 Theodore Fremd Ave, Rye, NY 10580
24 Month Certificate
$0
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Special Rate
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
4720 Baker St, Lakewood, NY 14750 9772
24 Month
$100,000
4.15%
▲ 1.44% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
24-Month Jumbo Promo Certificate
$100,000
4.10%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.39% above avg
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
24 Months
$0
4.06%
▲ 1.35% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.35% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
24 Months
$0
4.01%
▲ 1.30% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.30% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
24 Month Pick Your Term
$5,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
2 years up to 3
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) 2 years up to 3
$1,000
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
1178 NYS Route 9N, Ticonderoga, NY 12883 3106
24 Months
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
24 Months Certificate
$0
4.00%
▲ 1.29% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
24 Month
$0
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
4720 Baker St, Lakewood, NY 14750 9772
2 Year
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
4720 Baker St, Lakewood, NY 14750 9772
24 Month
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
24-Month Jumbo Promo Certificate
$100
3.95%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.24% above avg
Details
Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
24 Months
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 24 Months
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
In-Branch
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
2 Year Certificate
$500
3.87%
▲ 1.16% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.16% above avg
Details
Credit Quarterly Compound Daily
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
24 Months
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
24 months
$0
3.85%
▲ 1.14% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business 24-Month Certificate
$500
3.85%
▲ 1.14% above national avg
▼
Rate3.77%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
24 month
$0
3.82%
▲ 1.11% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
24-MONTH
$0
3.82%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.11% above avg
Details
FEATURED SHARE CERTIFICATE
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
24 Month CD
$0
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
1425 Jefferson Rd, Rochester, NY 14623
24 months
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
100 MARINA DR, ROCHESTER, NY 14626 5104
18 and 24 Months
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
2 Year IRA Certificate
$0
3.80%
▲ 1.09% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
2-Year Share Certificate
$1,000
3.77%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.06% above avg
Details
Penalty for early withdrawal: 6 Months Dividends
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
24 Month CD
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
795 E Main St Ste 1, Cobleskill, NY 12043 1263
24 month Share Certificate
$500
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Offer good for the initial term only for 9, 15 and 25 month Share Certificates. 9 month Share Certificate is automatically renewed for a 9 month term. 15 month Share Certificate is automatically renewed for a 12 month term. 25 month Share Certificate is automatically renewed for a 24 month term. All other Share Certificates are automatically renewed for same length as initial term. Advertised rate and APY are offered at the credit union's discretion and may change daily.
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY 13461
Share Certificates 24 Months
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
2-year IRA TSC
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
2-year Roth IRA TSC
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
2-year TSC
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
24 Month Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Dulles State Office Building, WATERTOWN, NY 13601
24 Month
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3301 Country Club Rd, Endwell, NY 13760 3401
24 month to 29 month
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
24 Month IRA Term Share Certificate
$0
3.75%
▲ 1.04% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
24 Month Plus
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
24 Month CD
$0
3.65%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
24 Month Certificate
$0
3.61%
▲ 0.90% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.90% above avg
Details
Early Withdrawal Penalty: 3 month interest
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
24 months
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
24 Month Plus
$0
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Chen-Del-O Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
114 MAIN ST, FRANKLIN, NY 13775
24 months
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.89% above avg
Details
Penalty for early withdrawal: 90 days loss of dividends
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
24 Months
$0
3.56%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
24 Mo IRA Cert
$500
3.56%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
24 Mo Share Cert
$500
3.56%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
755 Co Op City Blvd, Bronx, NY 10475
24-month IRA Share Certificate
$0
3.56%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.85% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6250 County Route 64, Hornell, NY 14843
24 Months
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
New York 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 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
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
36 Months
$0
4.35%
▲ 1.69% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.69% above avg
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
36 Months Certificate
$0
4.25%
▲ 1.60% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.60% above avg
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
3 years up to 4
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) 3 years up to 4
$1,000
4.00%
▲ 1.35% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.35% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
3-Year Share Certificate
$1,000
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
755 Co Op City Blvd, Bronx, NY 10475
36-month IRA Share Certificate
$0
3.82%
▲ 1.17% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
36 Month
$0
3.81%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificate 36 Months
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificates 36 Months
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
36 Month CD
$0
3.80%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
36 Month IRA Term Share Certificate
$0
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
3 Year Certificate
$500
3.72%
▲ 1.07% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.07% above avg
Details
Credit Quarterly Compound Daily
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
36 Month CD
$0
3.70%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
3 Year IRA Certificate
$0
3.70%
▲ 1.05% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.05% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
36 Month Certificate
$0
3.66%
▲ 1.01% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.01% above avg
Details
Early Withdrawal Penalty: 3 month interest
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
36 Months
$0
3.61%
▲ 0.96% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.96% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
36 Month Plus
$0
3.60%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business 36-Month Certificate
$500
3.60%
▲ 0.95% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY 14224
Jumbo Term Share (Certificate) 36 Month
$99,000
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificates 36 months
$0
3.55%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
12837 Route 438, Irving, NY 14081
36 Month
$0
3.55%
▲ 0.90% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year Term
$0
3.52%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.87% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
36 Month
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
36 Month CD
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
Roth IRA 3-year
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
Traditional IRA 3-year
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
1APY means Annual Percentage Yield. Rates shown are for Traditional IRA accounts.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
36 Months
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 36 Months
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
In-Branch
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
3 Years (36 Months)
$250
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.85% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
3-year IRA TSC
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
3-year Roth IRA TSC
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
3-year TSC
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
824 E Ridge Rd, Rochester, NY 14621
3 years
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
1x Bump Up
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3301 Country Club Rd, Endwell, NY 13760 3401
36 month to 47 month
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY 13790
3 years
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Penalty for early withdrawal of certificates 3 years or more: 240 days interest.
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
36 Month Plus
$0
3.50%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY 14224
36 Month
$2,500
3.49%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
36 Month CD and IRA
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3031 William St, Cheektowaga, NY 14227
36 Months
$1,000
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year Term
$0
3.42%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.77% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
36 Month Plus
$0
3.40%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year Term
$0
3.37%
▲ 0.72% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.72% above avg
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY 14052 0018
36 Month Jumbo Share Certificate
$100,000
3.35%
▲ 0.70% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Dividend Paid Monthly
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
36 Months
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
36 Mo IRA Cert
$500
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
36 Mo Share Cert
$500
3.30%
▲ 0.65% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
36 Month Certificate
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY 14787
36 Month
$1,000
3.29%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Compounded Quarterly
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
36 Months IRA Share Certificate
$0
3.29%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY 13461
Share Certificates 36 Months
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
New York 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 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
3 and 4 year
$0
5.00%
▲ 2.34% above national avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 2.34% above avg
Details
Regular IRA And Roth IRA
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
48 Months Certificate
$0
4.25%
▲ 1.59% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.59% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
48-Month Certificate
$100
4.15%
▲ 1.49% above national avg
▼
Rate4.07%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
48-Month Term/IRA Term
$0
4.15%
▲ 1.49% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 48 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.49% above avg
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
4 years up to 5
$1,000
4.10%
▲ 1.44% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) 4 years up to 5
$1,000
4.10%
▲ 1.44% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.44% above avg
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
48 month (with step up option)
$0
3.92%
▲ 1.26% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details
step up option
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
48-MONTH
$0
3.92%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details
FEATURED SHARE CERTIFICATE
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
48 Month
$0
3.81%
▲ 1.15% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
3.77%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.11% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
4 Year Certificate
$500
3.77%
▲ 1.11% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.11% above avg
Details
Credit Quarterly Compound Daily
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
48 Month CD
$0
3.75%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
48 Month IRA Term Share Certificate
$0
3.75%
▲ 1.09% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.09% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
48 Months
$0
3.61%
▲ 0.95% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.95% above avg
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
48 Month
$0
3.60%
▲ 0.94% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
48 Month Plus
$0
3.60%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business 48-Month Certificate
$500
3.60%
▲ 0.94% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.94% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificates 48 months
$0
3.55%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
12837 Route 438, Irving, NY 14081
48 Month
$0
3.55%
▲ 0.89% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.89% above avg
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
Roth IRA 4-year
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
Traditional IRA 4-year
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
1APY means Annual Percentage Yield. Rates shown are for Traditional IRA accounts.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
48 Months
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 48 Months
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
In-Branch
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
4 Years (48 Months)
$250
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▲ 0.84% above avg
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3031 William St, Cheektowaga, NY 14227
48 Months
$1,000
3.50%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3301 Country Club Rd, Endwell, NY 13760 3401
48 month to 59 month
$0
3.50%
▲ 0.84% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
48 Month Plus
$0
3.50%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
48 Month Plus
$0
3.40%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
48 Months
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
48 Month Certificate
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
48 Month Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 48 Month Certificate
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
48 Month CD
$500
3.20%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
48 Month IRA
$500
3.20%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
48 Month CD
$1,000
3.17%
▲ 0.51% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.51% above avg
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
48 Month IRA CD
$1,000
3.17%
▲ 0.51% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.51% above avg
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
48 month
$500
3.11%
▲ 0.45% above national avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.45% above avg
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
48 Month CD
$0
3.08%
▲ 0.42% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.42% above avg
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
4-year Share Certificate and IRA Certificate
$0
3.07%
▲ 0.41% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.41% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
48-Month CD
$500
3.05%
▲ 0.39% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
APY is fixed for a 48-month term.
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
48 Mo IRA Cert
$500
3.04%
▲ 0.38% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
48 Mo Share Cert
$500
3.04%
▲ 0.38% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA Certificates of Deposit - 48 Month
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
497 Electronics Pkwy, Liverpool, NY 13088 6062
4 Year Certificate
$0
3.00%
▲ 0.34% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
390 W Seneca St, Sherrill, NY 13461
Share Certificates 48 Months
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
48 Month Certificate
$0
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
110 John Muir Dr, Amherst, NY 14228 1148
48 Month
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
48 Month IRA
$500
3.00%
▲ 0.34% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
48 Month Certificates and IRA
$500
2.94%
▲ 0.28% above national avg
▼
Rate2.91%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.28% above avg
Details
New York 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 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
5 years
$0
5.25%
▲ 2.49% above national avg
▼
Rate5.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 2.49% above avg
Details
Regular IRA And Roth IRA
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
60 Month Business Certificate Account
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
60 Month Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
60 Month IRA Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 60 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
5 years
$1,000
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) 5 years
$1,000
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.34% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
60 Month Certificate
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.16% above avg
Details
Early Withdrawal Penalty: 6 month interest
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificate 60 Months
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificates 60 Months
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
5-Year Share Certificate
$1,000
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.06% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
5 Year Certificate
$500
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.06% above avg
Details
Credit Quarterly Compound Daily
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
60 Month
$0
3.81%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.05% above avg
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
60 Month CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
60 Month IRA Term Share Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
60 Months
$0
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.95% above avg
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
Business 60-Month Certificate
$500
3.65%
▲ 0.89% above national avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
3031 William St, Cheektowaga, NY 14227
60 Months
$1,000
3.60%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
60 Month
$0
3.60%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
60 Month
$0
3.56%
▲ 0.80% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.80% above avg
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
5 Year IRA Certificate
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificates 60 months
$0
3.55%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
12837 Route 438, Irving, NY 14081
60 Month
$0
3.55%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.79% above avg
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
60 Month CD and IRA
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
Roth IRA 5-year
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
Traditional IRA 5-year
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
1APY means Annual Percentage Yield. Rates shown are for Traditional IRA accounts.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
60 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 60 Months
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
In-Branch
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
5 Years (60 Months)
$250
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.76%▲ 0.74% above avg
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY 13790
5 years
$500
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Penalty for early withdrawal of certificates 3 years or more: 240 days interest.
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
60 Month
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
3.5-Year Bump Rate CD
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
60 Month
$0
3.40%
▲ 0.64% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
60 Months
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
60 Month Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
824 E Ridge Rd, Rochester, NY 14621
5 years
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
Details
New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
620 8th Ave Fl 28, New York, NY 10018 1618
5 Years IRA Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
60 Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 60 Month Certificate
$0
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
60 Month CD
$0
3.23%
▲ 0.47% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.47% above avg
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
60 Month CD
$1,000
3.17%
▲ 0.41% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.41% above avg
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
60 Month IRA CD
$1,000
3.17%
▲ 0.41% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.41% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
60 Month Variable Rate Certificate
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
60 month
$500
3.11%
▲ 0.35% above national avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.35% above avg
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
60 Month CD
$500
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
60 Month IRA
$500
3.10%
▲ 0.34% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
60 Month Variable Rate Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rate may change twice during the term. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25%). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 60 Month Variable Rate Certificate
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months).
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
60-month term Standard CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
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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
2.833%
▲ 0.817 vs 7 days ago
New York 12-month CD rates rose 0.817 points over the past 7 days to 2.833% APY.
6-Month CD — NY Avg
2.672%
▲ 0.901 vs 7 days ago
New York 6-month CD rates rose 0.901 points over the past 7 days to 2.672% APY.
As of Sep 2, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NY CD Rate Forecast — Next 12 Months
Where are New York CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
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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 | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 2026. | |||||
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 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
1,225
CD Rates
Tracked in New York
Tracked in New York
55 Banks
83 Credit Unions
About Our New York CD Rate Database
MonitorBankRates tracks 1,225 CD rates from 55 banks and 83 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 (1–5), 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: Italo American Credit Union offers a CD at 5.25% 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 83 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 — 138 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
$144/yr
At NY 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $144 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 (90–180 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, Habib American HAB Bank is offering its 6 Months at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Italo American Credit Union is offering its 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:
- Italo American Credit Union: 5.25% APY (5 years)
- Habib American HAB Bank : 4.50% APY (12 Months)
- Morgan Stanley E-Trade: 4.35% APY (36 Months)
- Quorum Federal Credit Union: 4.35% APY (12-Month Certificate)
- Crescent Bank: 4.25% APY (24-month CD)
- TrailNorth Federal Credit Union: 4.25% APY (12 Months)
- Pittsford Federal Credit Union: 4.25% APY (36 Months Certificate)
- Sunmark Credit Union: 4.25% APY (6 Month Certificate)
- USALLIANCE: 4.25% APY (24 Month Certificate)
- FourLeaf Federal Credit Union: 4.15% APY (60 Month Business Certificate Account)
Rates reflect recent verified offers available in New York. Last Updated: September 1, 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
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Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 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 5.25% APY, a $10,000 deposit earns $525 in the first year. Enter your amount to see your exact return.
New York CD LadderNY CD rates currently range from 1.964% (3-month) to 2.655% (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 5.25% APY, know your exit cost. Most institutions charge 90–180 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 2.833% 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: September 1, 2026
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