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Brooklyn, New York Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
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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 Brooklyn, New York CD rates include Ridgewood Savings BankRidgewood Savings Bank8522 3rd Ave, Brooklyn, NY 11209A5.0 ★Texas Ratio: 9.37%Real return: +1.79%APY minus CPI (February 2026) offering 2-YEAR TREASURY INDEXED CD at 4.59% APY, Capital One BankCapital One Bank315 Wyckoff Ave, Brooklyn, NY 11237A5.0 ★Texas Ratio: 7.01%Real return: +1.50%APY minus CPI (February 2026) offering 12 Month 360 CDs at 4.30% APY, Cross County Savings BankCross County Savings Bank731 Metropolitan Ave, Brooklyn, NY 11211A5.0 ★Texas Ratio: 12.84%Real return: +1.35%APY minus CPI (February 2026) offering 18 Month Variable Rate IRA at 4.15% APY, Municipal Credit UnionMunicipal Credit Union350 Jay St, Brooklyn, NY 11201A5.0 ★Texas Ratio: 6.65%Real return: +1.27%APY minus CPI (February 2026) offering Share Certificate 12-Month-Bonus Rate at 4.07% APY, and Northfield BankNorthfield Bank24 Hillel Pl, Brooklyn, NY 11210A+5.0 ★Texas Ratio: 3.19%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Certificates Of Deposit at 4.00% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Brooklyn has 267 local institutions in our database, with CD rates as high as 4.59% APY from Ridgewood Savings Bank at 8522 3rd Ave, Brooklyn, NY 11209. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New York area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026
Compare Best CD Rates in Brooklyn, New York & the Surrounding Area
Brooklyn 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch 3 Month
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.69% above avg
Details
Effective: 12/17/2025
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
3 Month Certificates Of Deposit
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.69% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
3 Month IRA Certificates
$0
3.75%
▲ 1.69% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.69% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
3 Month Certificate of Deposit
$1,000
3.75%
▲ 1.69% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.69% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
3 Month Certificate
$1,000
3.70%
▲ 1.64% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.64% above avg
Details
Balance: $1,000.00
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
3 Month IRA Certificate of Deposit
$1,000
3.70%
▲ 1.64% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.64% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
3-Month Certificate of Deposit
$500
3.55%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Earn 3.55% APY on balances of $500 or more. Account matures in 3 months.
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
5512 8th Ave, Brooklyn, NY 11220
3 Month CD
$500
3.40%
▲ 1.34% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
90 Day Certificate of Deposit
$250
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.19% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
3 Month Share Certificate
$1,000
2.88%
▲ 0.82% above national avg
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.82% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
3 Month CD
$1,000
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.69% above avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
3-Month CD
$1,000
2.75%
▲ 0.69% above national avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 0.69% above avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
3 Month Certificate of Deposit
$0
2.02%
▼ 0.04% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.04% below avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
3 Month CD
$0
1.90%
▼ 0.16% below national avg
▼
Rate1.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.16% below avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
3 Month IRA
$500
1.90%
▼ 0.16% below national avg
▼
Rate1.88%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.16% below avg
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
3 Month Certificate
$1,000
1.64%
▼ 0.42% below national avg
▼
Rate1.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.42% below avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
3-Month CD
$1,000
1.50%
▼ 0.56% below national avg
▼
Rate1.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 0.56% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1750 86th St, Brooklyn, NY 11214
3 Month Certificate
$0
1.50%
▼ 0.56% below national avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 0.56% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
3 Month CD
$250
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
3 Month Certificate
$0
1.00%
▼ 1.06% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.06% below avg
Details
Balance: $250.00 - $9,999.99
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
3 Month IRA CD
$500
0.55%
▼ 1.51% below national avg
▼
Rate0.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.51% below avg
Details
Balance: $500-$249,999.99
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 Flushing Avenue, Brooklyn, NY 11205
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 Flushing Avenue, Brooklyn, NY 11205
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
Private 3 Month
$0
0.02%
▼ 2.04% below national avg
▼
Rate0.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.04% below avg
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
3 Month CD
$500
0.01%
▼ 2.05% below national avg
▼
Rate0.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.05% below avg
Details
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
4.50%
▲ 2.44% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 2.44% above avg
Details
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
3 Month Certificate of Deposits Consumer
$100,000
4.10%
▲ 2.04% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 2.04% above avg
Details
ACMG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month Share Certificate
$0
4.05%
▲ 1.99% above national avg
▼
Rate3.99%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.99% above avg
Details
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
3 Month Certificates
$0
4.00%
▲ 1.94% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.94% above avg
Details
AmeriCU Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
3 Month Share Certificates
$50
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details
Annual Percentage Yields (APYs) current as of 22nd September 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Northern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.84%
3 Month Share Certificate
$0
4.00%
▲ 1.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.94% above avg
Details
Balance: $10,000+; Best***; 3 Months****
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
3 Month Certificates
$0
3.92%
▲ 1.86% above national avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.86% above avg
Details
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3-Month CD Special
$500
3.80%
▲ 1.74% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.74% above avg
Details
Compounded: Simple
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
3 Month Certificates of Deposit
$500
3.75%
▲ 1.69% above national avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.69% above avg
Details
Fixed Rate
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3-Months CD
$1,000
3.70%
▲ 1.64% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Interest is not compounded. Interest will be credited to your account at maturity.
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 months up to 6
$10,000
3.70%
▲ 1.64% above national avg
▼
Rate3.65%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.64% above avg
Details
Apply Online
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Performance CDs
$0
3.60%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details
Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
3 Month CD
$2,500
3.50%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
3 Month Star Relationship CD
$500
3.50%
▲ 1.44% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.44% above avg
Details
Early Withdrawal Penalties May Apply
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
3 Months CD
$0
3.40%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
3-Month Share Certificate
$1,000
3.35%
▲ 1.29% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.29% above avg
Details
Penalty for early withdrawal: 3 Months Dividends
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
90 Day Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.19% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 Month Plus Certificate
$0
3.25%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.19% above avg
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3-Month Share Certificate
$500
3.15%
▲ 1.09% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.09% above avg
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 Month Plus Certificate
$0
3.10%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.04% above avg
Details
EverBank
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month CDARS CDs
$0
3.05%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.99% above avg
Details
Funding Limit*: $12M
Alternatives Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 19.93%
3 Month Certificate Shares
$0
3.04%
▲ 0.98% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.98% above avg
Details
Good Neighbors Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.83%
3 Month CDs
$0
3.03%
▲ 0.97% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.97% above avg
Details
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate of Deposit
$2,500
3.00%
▲ 0.94% above national avg
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
Rates are effective as of 6/30/2026
Brooklyn 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
6 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
6 Month Certificate of Deposit
$1,000
3.90%
▲ 1.14% above national avg
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
6 Month Certificate of Deposit
$0
3.80%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.04% above avg
Details
For 6 months Term. Longer terms Earn Higher Interests; No service fee
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
6 Month Certificate
$1,000
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.00% above avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
252 Broadway, Brooklyn, NY 11211
6-Month CD
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.99% above avg
Details
Promotional Rate
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
6 Month Certificate
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Balance: $1,000.00
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
6 Month IRA Certificate of Deposit
$1,000
3.70%
▲ 0.94% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.94% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
8010 5th Ave, Brooklyn, NY 11209
6-MONTH CD
$500
3.70%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
180 Day (6 months) Certificate of Deposit
$250
3.67%
▲ 0.91% above national avg
▼
Rate3.60%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.91% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
5512 8th Ave, Brooklyn, NY 11220
6 Month CD
$500
3.65%
▲ 0.89% above national avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch 6 Month
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Effective: 12/17/2025
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
6-Month Certificate of Deposit
$500
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Earn 3.50% APY on balances of $500 or more. Account matures in 6 months.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
6-Month Fixed Rate CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
6 Month CD
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
5418 8th Ave, Brooklyn, NY 11220
6 Month CD
$5,000
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
350 Jay St, Brooklyn, NY 11201
6-month IRA Share Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.54% above avg
Details
APY
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
6 Month Share Certificate
$1,000
3.19%
▲ 0.43% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.43% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
6 Month CD
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.24% above avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
6-Month CD
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.24% above avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
6 Month IRA CD
$500
2.89%
▲ 0.13% above national avg
▼
Rate2.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.13% above avg
Details
Balance: $500-$249,999.99
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 6-Month CD
$500
2.87%
▲ 0.11% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.11% above avg
Details
FDIC insured; Guaranteed rate
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1750 86th St, Brooklyn, NY 11214
6 Month Certificate
$0
2.75%
▼ 0.01% below national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.01% below avg
Details
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
6 Month CD
$10,000
2.53%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.23% below avg
Details
Balances $10,000 - $499,999.99
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
6 Month CD
$0
2.05%
▼ 0.71% below national avg
▼
Rate2.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.71% below avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
6 Month IRA
$500
2.05%
▼ 0.71% below national avg
▼
Rate2.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.71% below avg
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
6 Month Regular & IRA Certificates
$500
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.74% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
6-Month CD
$1,000
1.50%
▼ 1.26% below national avg
▼
Rate1.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.26% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
6 Month CD
$250
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.76% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
6 Month Certificate
$0
1.00%
▼ 1.76% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.76% below avg
Details
Balance: $250.00 - $9,999.99
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
6 Month Certificates Of Deposit
$0
0.75%
▼ 2.01% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 2.01% below avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
6 Month IRA Certificates
$0
0.75%
▼ 2.01% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 2.01% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 Flushing Avenue, Brooklyn, NY 11205
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.70% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.70% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 Flushing Avenue, Brooklyn, NY 11205
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.71% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.71% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
Private 6 Month
$0
0.02%
▼ 2.74% below national avg
▼
Rate0.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.74% below avg
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
6 Month CD
$500
0.01%
▼ 2.75% below national avg
▼
Rate0.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 2.75% below avg
Details
Cornerstone Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
6 Month Youth Share Certificate
$0
6.00%
▲ 3.24% above national avg
▼
Rate5.83%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 3.24% above avg
Details
Balance Range: $50 - $5,000
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
6 Month Certificate
$0
4.50%
▲ 1.74% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.74% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6-Month CD
$500
4.35%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details
10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
6 MONTH TERM ACCOUNT
$0
4.30%
▲ 1.54% above national avg
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.54% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
6-Month Certificate
$100
4.30%
▲ 1.54% above national avg
▼
Rate4.22%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.54% above avg
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
6 Month Certificates
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.04%
6 Month Commercial Share Certificate
$500
4.25%
▲ 1.49% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.49% above avg
Details
Additional Deposits Permitted
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
6 Month Certificates of Deposit
$0
4.20%
▲ 1.44% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.44% above avg
Details
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
6 Month Certificate of Deposits Consumer
$100,000
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.39% above avg
Details
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
6 Month Certificate
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.39% above avg
Details
ACMG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6 Month Share Certificate
$0
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.34% above avg
Details
Newtek Bank
Institution Rating:
F1.0 ★Texas Ratio: 73.57%
6 Month CD
$2,500
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Term: Special 6-Month Fixed Rate2
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
6 months up to 1 year
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
Term: 6 months up to 1 year; Apply Online
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month Certificate of Deposit Special
$0
4.00%
▲ 1.24% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.24% above avg
Details
Brooklyn 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
12 Month 360 CDs
$0
4.30%
▲ 1.35% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.35% above avg
Details
Fixed APY | No minimum balance
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
350 Jay St, Brooklyn, NY 11201
Share Certificate 12-Month-Bonus Rate
$500
4.07%
▲ 1.12% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details
Bonus Rate
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
1-year online CDs
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
12 Month CD
$0
4.00%
▲ 1.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
12 Month Certificates Of Deposit
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
12 Month IRA Certificates
$0
4.00%
▲ 1.05% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.05% above avg
Details
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 12.74%
252 Broadway, Brooklyn, NY 11211
12-Month CD
$1,000
3.95%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.00% 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. Interest rates and APYs displayed are available only for accounts opened in a BankUnited branch. 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.
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
8010 5th Ave, Brooklyn, NY 11209
12-MONTH CD
$500
3.80%
▲ 0.85% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
12 Month Certificate of Deposit
$1,000
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.80% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
1 Year (12 months) Certificate of Deposit
$250
3.75%
▲ 0.80% above national avg
▼
Rate3.68%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.80% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
12 Month Certificate
$1,000
3.70%
▲ 0.75% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.75% above avg
Details
Balance: $1,000.00
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
12 Month IRA Certificate of Deposit
$1,000
3.70%
▲ 0.75% above national avg
▼
Rate3.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.75% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
350 Jay St, Brooklyn, NY 11201
12-month IRA Share Certificate
$0
3.56%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.61% above avg
Details
APY
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
12 Months IRA Share Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.60% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
12-Month Fixed Rate CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch 12 Month
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Effective: 12/17/2025
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
12 Month Certificate of Deposit
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
12 Month IRA Certificate of Deposit
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
12 Month CD
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.55% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
12 Month IRA
$500
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.55% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 1-year
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.55% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA - 1-year
$0
3.50%
▲ 0.55% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.55% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
12 Month CD
$2,500
3.43%
▲ 0.48% above national avg
▼
Rate3.38%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.48% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
12 Month IRA CD
$2,500
3.43%
▲ 0.48% above national avg
▼
Rate3.38%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.48% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
12 Month Share Certificate
$1,000
3.29%
▲ 0.34% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.34% above avg
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 1-Year CD
$500
3.15%
▲ 0.20% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.20% above avg
Details
FDIC insured; Guaranteed rate
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
5512 8th Ave, Brooklyn, NY 11220
12 Month CD
$500
3.00%
▲ 0.05% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.05% above avg
Details
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
5418 8th Ave, Brooklyn, NY 11220
12 Month Promo CD
$5,000
3.00%
▲ 0.05% above national avg
▼
Rate2.96%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.05% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
1 Year CD
$1,000
3.00%
▲ 0.05% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.05% above avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
1 Year Term CD
$1,000
3.00%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.05% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
1-Year CD
$1,000
3.00%
▲ 0.05% above national avg
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.05% above avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
1 Year IRA CD
$500
2.99%
▲ 0.04% above national avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.04% above avg
Details
Balance: $500-$249,999.99
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
12 Month Certificate of Deposit
$0
2.53%
▼ 0.42% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 0.42% below avg
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1750 86th St, Brooklyn, NY 11214
12 Month Certificate
$0
2.50%
▼ 0.45% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.45% below avg
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
12 Month Regular & IRA Certificates
$500
2.28%
▼ 0.67% below national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.95%▼ 0.67% below avg
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
12 Month Youth
$1,000
2.10%
▼ 0.85% below national avg
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.85% below avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
12 Month Young Adult Building
$1,000
2.10%
▼ 0.85% below national avg
▼
Rate2.08%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 0.85% below avg
Details
Term: 12 Month Young Adult Building; Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
1 Year Certificate
$1,000
1.85%
▼ 1.10% below national avg
▼
Rate1.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.10% below avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
Building 1 Year
$1,000
1.85%
▼ 1.10% below national avg
▼
Rate1.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.10% below avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
Education 1 Year
$1,000
1.85%
▼ 1.10% below national avg
▼
Rate1.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.10% below avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 Flushing Avenue, Brooklyn, NY 11205
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 Flushing Avenue, Brooklyn, NY 11205
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Relationship APY 1.51%. Early withdrawal penalties may apply.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
1-Year CD
$1,000
1.50%
▼ 1.45% below national avg
▼
Rate1.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.45% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
12 Month CD
$250
1.00%
▼ 1.95% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.95% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
12 Month Certificate
$0
1.00%
▼ 1.95% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.95% below avg
Details
Balance: $250.00 - $9,999.99
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
5418 8th Ave, Brooklyn, NY 11220
12 Month CD
$5,000
0.40%
▼ 2.55% below national avg
▼
Rate0.40%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.55% below avg
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
Private 12 Month
$0
0.02%
▼ 2.93% below national avg
▼
Rate0.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.93% below avg
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
12 Month CD
$500
0.01%
▼ 2.94% below national avg
▼
Rate0.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 2.94% below avg
Details
Cornerstone Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
1 Year Youth Share Certificate
$0
5.50%
▲ 2.55% above national avg
▼
Rate5.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 2.55% above avg
Details
Balance Range: $50 - $5,000
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
12 Month Certificate
$0
4.50%
▲ 1.55% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Brooklyn 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
18 Month 360 CDs
$0
4.30%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.49% above avg
Details
Fixed APY | No minimum balance
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
18 Month Variable Rate IRA
$100
4.15%
▲ 1.34% above national avg
▼
Rate4.06%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 1.34% above avg
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
2664 Atlantic Ave, Brooklyn, NY 11207
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.04% above avg
Details
Requires a qualifying checking account.
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
2664 Atlantic Ave, Brooklyn, NY 11207
18-Month M&T Select CD
$0
3.85%
▲ 1.04% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.04% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
18 Month Certificate of Deposit
$1,000
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.94% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
1 1/2 Years (18 Months) Certificate of Deposit
$250
3.75%
▲ 0.94% above national avg
▼
Rate3.68%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.94% above avg
Details
Term: 1 1/2 Years (18 Months)
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
18 Month CD
$0
3.60%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.79% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch 18 Month
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.69% above avg
Details
Effective: 12/17/2025
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
18 Month Certificate of Deposit
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.69% above avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
18 Month IRA Certificate of Deposit
$0
3.50%
▲ 0.69% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.69% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
18 Month HI-Rise CD
$2,500
3.43%
▲ 0.62% above national avg
▼
Rate3.38%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.62% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
18-Month CD
$2,500
3.43%
▲ 0.62% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.62% above avg
Details
Request a rate increase if our offering rises
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
18 Month CD
$0
3.40%
▲ 0.59% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.59% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
18 Month IRA
$500
3.40%
▲ 0.59% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.59% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
18 Month Share Certificate
$1,000
3.34%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.53% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
350 Jay St, Brooklyn, NY 11201
18 Month IRA Share Certificate
$0
3.30%
▲ 0.49% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.49% above avg
Details
Variable rate account and the rate may change after the account is opened.
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
18 Month CD
$1,000
3.17%
▲ 0.36% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.36% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
18 Month IRA CD
$1,000
3.17%
▲ 0.36% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.36% above avg
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
18 Month Bump Up
$1,000
3.14%
▲ 0.33% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.33% above avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
5512 8th Ave, Brooklyn, NY 11220
18 Month CD
$500
3.00%
▲ 0.19% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.19% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
18 Month Certificate
$1,000
3.00%
▲ 0.19% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.19% above avg
Details
Balance: $1,000.00
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
18 Month IRA Certificate of Deposit
$1,000
3.00%
▲ 0.19% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.19% above avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
18 Month CD
$1,000
2.50%
▼ 0.31% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▼ 0.31% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
18-Month CD
$1,000
2.50%
▼ 0.31% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▼ 0.31% below avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
18 Month Certificate of Deposit
$0
1.26%
▼ 1.55% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.81%▼ 1.55% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
18-Month CD
$1,000
1.25%
▼ 1.56% below national avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.81%▼ 1.56% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
18 Month CD
$250
1.00%
▼ 1.81% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.81% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
18 Month Certificate
$0
1.00%
▼ 1.81% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 1.81% below avg
Details
Balance: $250.00 - $9,999.99
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
Private 18 Month
$0
0.02%
▼ 2.79% below national avg
▼
Rate0.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 2.79% below avg
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
18 Month CD
$500
0.01%
▼ 2.80% below national avg
▼
Rate0.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▼ 2.80% below avg
Details
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Month Certificates of Deposit
$0
4.40%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.59% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.35%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.54% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18-Month CD
$500
4.35%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.54% above avg
Details
10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
18 Month Certificate of Deposit
$0
4.22%
▲ 1.41% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.41% above avg
Details
Balance: $100,000.00 and over
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
18 Month Certificate of Deposit
$0
4.16%
▲ 1.35% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.35% above avg
Details
Balance: $50,000.00
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.47%
18 Month CD Special with Active Account
$0
4.15%
▲ 1.34% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.34% above avg
Details
Balance: $100,000 and over
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Certificate
$0
4.15%
▲ 1.34% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.34% above avg
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
18 Month Certificate
$0
4.08%
▲ 1.27% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.27% above avg
Details
Early Withdrawal Penalty: 3 month interest
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
18-Month Certificate IRA
$1,000
4.07%
▲ 1.26% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.26% above avg
Details
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
18 Month Certificate of Deposits Consumer
$100,000
4.05%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.24% above avg
Details
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.47%
18 Month CD Special with Active Account
$0
4.05%
▲ 1.24% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.24% above avg
Details
Balance: $1,000 to $99,999
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
18 Month Certificate of Deposit
$0
4.01%
▲ 1.20% above national avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.20% above avg
Details
Balance: $25,000.00
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
18 Month Business Certificates
$100
4.00%
▲ 1.19% above national avg
▼
Rate3.87%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.14%
18 Month Certificate
$100
4.00%
▲ 1.19% above national avg
▼
Rate3.87%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Month Pick Your Term
$5,000
4.00%
▲ 1.19% above national avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Term: 18 Month Pick Your Term; Balance: $5,000 or more
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month Certificate
$1,000
4.00%
▲ 1.19% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18-month IRA TSC
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18-month Roth IRA TSC
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.67%
18-month TSC
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 1.19% above avg
Details
XCEL Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.43%
18 Month IRA Certificate
$0
4.00%
▲ 1.19% above national avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details
3 | New Deposits Only
Brooklyn 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
8522 3rd Ave, Brooklyn, NY 11209
2-YEAR TREASURY INDEXED CD
$0
4.59%
▲ 1.76% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.76% above avg
Details
Treasury Indexed CD; variable yield account with no cap
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
24 Month 360 CDs
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Fixed APY | No minimum balance
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
2 Year Certificate of Deposit
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1750 86th St, Brooklyn, NY 11214
24 Month Certificate
$0
3.70%
▲ 0.87% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.87% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
8010 5th Ave, Brooklyn, NY 11209
24-MONTH CD
$2,500
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.87% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
24 Month IRA Certificate of Deposit
$0
3.60%
▲ 0.77% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
350 Jay St, Brooklyn, NY 11201
24-month IRA Share Certificate
$0
3.56%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.73% above avg
Details
APY
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
350 Jay St, Brooklyn, NY 11201
Share Certificate 24-Month
$500
3.56%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.73% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
24 Month CD
$0
3.50%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch 24 Month
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Effective: 12/17/2025
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
24 Month Certificate of Deposit
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.67% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 2-year
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.67% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA - 2-year
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.67% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
2 Years (24 Months) Certificate of Deposit
$250
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.67% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
24 Month CD
$0
3.40%
▲ 0.57% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.57% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
24 Month IRA
$500
3.40%
▲ 0.57% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.57% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
24-Month Fixed Rate CD
$0
3.25%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.42% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
24 Month CD
$1,000
3.17%
▲ 0.34% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.34% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
24 Month IRA CD
$1,000
3.17%
▲ 0.34% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.34% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
24 Month Share Certificate
$1,000
3.08%
▲ 0.25% above national avg
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.25% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
5512 8th Ave, Brooklyn, NY 11220
24 Month CD
$500
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.17% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
24 Month Certificate
$1,000
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.17% above avg
Details
Balance: $1,000.00
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
24 Month IRA Certificate of Deposit
$1,000
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.17% above avg
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
2 Year IRA CD
$500
2.53%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.30% below avg
Details
Balance: $500-$249,999.99
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
2 Year Certificate
$1,000
2.53%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.30% below avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 2-Year CD
$500
2.50%
▼ 0.33% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.33% below avg
Details
FDIC insured; Guaranteed rate
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
2 Year CD
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.33% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
2-Year CD
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.33% below avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
24 Month Bonus Certificate
$0
2.38%
▼ 0.45% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.45% below avg
Details
Balance: $50,000.00
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
24 Month Regular & IRA Certificates
$500
2.28%
▼ 0.55% below national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.55% below avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
24 Month Certificates Of Deposit
$0
2.00%
▼ 0.83% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.83% below avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
24 Month IRA Certificates
$0
2.00%
▼ 0.83% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.83% below avg
Details
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
24 Month Certificate of Deposit
$0
1.26%
▼ 1.57% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▼ 1.57% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
2-Year CD
$1,000
1.25%
▼ 1.58% below national avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 1.58% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
24 Month CD
$250
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.83% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
24 Month Certificate
$0
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.83% below avg
Details
Balance: $250.00 - $9,999.99
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
5418 8th Ave, Brooklyn, NY 11220
24 Month CD
$5,000
0.50%
▼ 2.33% below national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.33% below avg
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
Private 2 Year
$0
0.02%
▼ 2.81% below national avg
▼
Rate0.02%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.81% below avg
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
4302 18th Ave, Brooklyn, NY 11218
2 Year CD
$500
0.01%
▼ 2.82% below national avg
▼
Rate0.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 2.82% below avg
Details
Cornerstone Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.75%
2 Year Youth Share Certificate
$0
5.00%
▲ 2.17% above national avg
▼
Rate4.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 2.17% above avg
Details
Balance Range: $50 - $5,000
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA 2 year
$0
4.75%
▲ 1.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.92% above avg
Details
PLEASE CALL 718-366-6422 FOR MORE DETAILS
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Month Bank CD
$0
4.40%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% above avg
Details
Featured: Market-leading CD rates
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Month Certificates of Deposit
$0
4.40%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.35%
▲ 1.52% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2-Year CD
$500
4.35%
▲ 1.52% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
24 Month Certificate
$0
4.35%
▲ 1.52% above national avg
▼
Rate4.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
24 Month Long-Term Certificates
$50,000
4.34%
▲ 1.51% above national avg
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.51% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.42% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.42% above avg
Details
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
24 Month CD
$500
4.25%
▲ 1.42% above national avg
▼
Rate4.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.42% above avg
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
24 Month Business Certificate of Deposit
$500
4.25%
▲ 1.42% above national avg
▼
Rate4.16%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.42% above avg
Details
In-Branch
Brooklyn 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
36 Month 360 CDs
$0
4.30%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.55% above avg
Details
Fixed APY | No minimum balance
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
350 Jay St, Brooklyn, NY 11201
36 Month Share Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.07% above avg
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.65%
350 Jay St, Brooklyn, NY 11201
36-month IRA Share Certificate
$0
3.82%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.07% above avg
Details
APY
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
3 Year Certificate of Deposit
$1,000
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
36 Month CD
$0
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.75% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch 36 Month
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.75% above avg
Details
Effective: 12/17/2025
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 3-year
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA - 3-year
$0
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
3 Years (36 Months) Certificate of Deposit
$250
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.75% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
36 Months IRA Share Certificate
$0
3.29%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.54% above avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
36 Month Certificate of Deposit
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.50% above avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
36 Month IRA Certificate of Deposit
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.50% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
36-Month Certificate of Deposit
$500
3.20%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.45% above avg
Details
Earn 3.20% APY on balances of $500 or more.
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
36-Month Fixed Rate CD
$0
3.20%
▲ 0.45% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.45% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
36 Month CD
$0
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.45% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
36 Month IRA
$500
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.45% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
36 Month Share Certificate
$1,000
3.19%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.44% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
36 Month CD
$1,000
3.17%
▲ 0.42% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.42% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
36 Month IRA CD
$1,000
3.17%
▲ 0.42% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.42% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
5512 8th Ave, Brooklyn, NY 11220
36 Month CD
$500
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.25% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
36 Month Access CD
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.25% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
36 Month Certificate
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.25% above avg
Details
Balance: $1,000.00
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
36 Month IRA Certificate of Deposit
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.25% above avg
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1750 86th St, Brooklyn, NY 11214
36 Month Certificate
$0
2.75%
At national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%At the average
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
3 Year IRA CD
$500
2.73%
▼ 0.02% below national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 0.02% below avg
Details
Balance: $500-$249,999.99
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 3-Year CD
$500
2.70%
▼ 0.05% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 0.05% below avg
Details
FDIC insured; Guaranteed rate
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
3-Year CD
$1,000
2.50%
▼ 0.25% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 0.25% below avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
36 Month Bonus Certificate
$0
2.38%
▼ 0.37% below national avg
▼
Rate2.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.37% below avg
Details
Balance: $50,000.00
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
36 Month Regular & IRA Certificates
$500
2.28%
▼ 0.47% below national avg
▼
Rate2.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▼ 0.47% below avg
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
3 Year Certificate
$1,000
2.24%
▼ 0.51% below national avg
▼
Rate2.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 0.51% below avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
36 Month Certificates Of Deposit
$0
2.00%
▼ 0.75% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 0.75% below avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
36 Month IRA Certificates
$0
2.00%
▼ 0.75% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 0.75% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
3-Year CD
$1,000
1.25%
▼ 1.50% below national avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▼ 1.50% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
36 Month Certificate of Deposit
$0
1.01%
▼ 1.74% below national avg
▼
Rate1.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 1.74% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
3 Year CD
$250
1.00%
▼ 1.75% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.75% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
3 Year Certificate
$0
1.00%
▼ 1.75% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▼ 1.75% below avg
Details
Balance: $250.00 - $9,999.99
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
36 Month Access CD
$1,000
0.60%
▼ 2.15% below national avg
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.75%▼ 2.15% below avg
Details
Balance: $1,000.00
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Month Certificates of Deposit
$0
4.40%
▲ 1.65% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.65% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.35%
▲ 1.60% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.60% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3-Year CD
$500
4.35%
▲ 1.60% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.60% above avg
Details
10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
36 Month Certificate of Deposit
$0
4.27%
▲ 1.52% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.52% above avg
Details
Balance: $100,000.00 and over
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
36 Month IRA CD
$0
4.27%
▲ 1.52% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.52% above avg
Details
Balance: $100,000.00 and over
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificates
$0
4.25%
▲ 1.50% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.50% above avg
Details
1x Bump Up
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Month Certificate
$50
4.25%
▲ 1.50% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.50% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
36 Month Certificate of Deposit
$0
4.22%
▲ 1.47% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.47% above avg
Details
Balance: $50,000.00
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
36 Month IRA CD
$0
4.22%
▲ 1.47% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.47% above avg
Details
Balance: $50,000.00
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
36 Month Certificate of Deposit
$0
4.06%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.31% above avg
Details
Balance: $25,000.00
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
36 Month IRA CD
$0
4.06%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 1.31% above avg
Details
Balance: $25,000.00
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
36 Month Share & IRA Certificates
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.30% above avg
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.59%
36 Month Share Certificate
$0
4.05%
▲ 1.30% above national avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.30% above avg
Details
Brooklyn 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
48 Month 360 CDs
$0
4.30%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.54% above avg
Details
Fixed APY | No minimum balance
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
4 Year Certificate of Deposit
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.41%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch 48 Month
$0
3.60%
▲ 0.84% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details
Effective: 12/17/2025
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
48 Month CD
$0
3.50%
▲ 0.74% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.74% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 4-year
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.74% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA - 4-year
$0
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.74% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
4 Years (48 Months) Certificate of Deposit
$250
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.74% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
48 Month Share Certificate
$1,000
3.24%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.48% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
48 Month CD
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.44% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
48 Month IRA
$500
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.44% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
48 Month CD
$1,000
3.17%
▲ 0.41% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.41% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
48 Month IRA CD
$1,000
3.17%
▲ 0.41% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.41% above avg
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
48-Month Certificate of Deposit
$500
3.05%
▲ 0.29% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.29% above avg
Details
Earn 3.05% APY on balances of $500 or more. Account matures in 48 months.
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
48 Month Certificate
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
Balance: $1,000.00
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
48 Month IRA Certificate of Deposit
$1,000
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.24% above avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
48 Month IRA Certificate of Deposit
$0
2.60%
▼ 0.16% below national avg
▼
Rate2.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.16% below avg
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
48 Month Bonus Certificate
$0
2.53%
▼ 0.23% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.23% below avg
Details
Balance: $50,000.00
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
48 Month Certificate of Deposit
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.26% below avg
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1750 86th St, Brooklyn, NY 11214
48 Month Certificate
$0
2.50%
▼ 0.26% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.26% below avg
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
48 Month Regular & IRA Certificates
$500
2.43%
▼ 0.33% below national avg
▼
Rate2.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▼ 0.33% below avg
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
4 Year Certificate
$1,000
2.24%
▼ 0.52% below national avg
▼
Rate2.22%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.52% below avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
48 Month Certificates Of Deposit
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.76% below avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
48 Month IRA Certificates
$0
2.00%
▼ 0.76% below national avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 0.76% below avg
Details
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▲ 2.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 2.24% above avg
Details
PLEASE CALL 718-366-6422 FOR MORE DETAILS
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
48 Month Certificate of Deposit
$0
4.37%
▲ 1.61% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.61% above avg
Details
Balance: $100,000.00 and over
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
48 Month IRA CD
$0
4.37%
▲ 1.61% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.61% above avg
Details
Balance: $100,000.00 and over
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.35%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4-Year CD
$500
4.35%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.59% above avg
Details
10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
48 Month Certificate of Deposit
$0
4.32%
▲ 1.56% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.56% above avg
Details
Balance: $50,000.00
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
48 Month IRA CD
$0
4.32%
▲ 1.56% above national avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.56% above avg
Details
Balance: $50,000.00
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Month Certificate
$50
4.25%
▲ 1.49% above national avg
▼
Rate—
Min Deposit$50
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
48 Month Certificate of Deposit
$0
4.16%
▲ 1.40% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.40% above avg
Details
Balance: $25,000.00
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
48 Month IRA CD
$0
4.16%
▲ 1.40% above national avg
▼
Rate4.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.40% above avg
Details
Balance: $25,000.00
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
48 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Term: 48 MONTH TERM ACCOUNT
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
48-Month Certificate
$100
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
48-Month Term/IRA Term
$0
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.39% above avg
Details
Term: 48 MONTH TERM ACCOUNT
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 years up to 5
$1,000
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.34% above avg
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 4 years up to 5
$1,000
4.10%
▲ 1.34% above national avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.34% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
4-Year Share Certificate
$1,000
4.03%
▲ 1.27% above national avg
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.27% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
4 Year Certificate
$500
4.03%
▲ 1.27% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.27% above avg
Details
Credit Quarterly Compound Daily
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
48 Month Certificate
$1,000
4.00%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details
NEXT STEP
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Certificate Accounts
$0
3.92%
▲ 1.16% above national avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.16% above avg
Details
Term: 48 month (with step up option)
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
48 Month Certificate of Deposit
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $10,000.00
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
48 Month IRA CD
$0
3.85%
▲ 1.09% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.09% above avg
Details
Balance: $10,000.00
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.32%
IRA Share Certificate Accounts - 4 Year
$0
3.80%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.04% above avg
Details
9-Month Penalty for Early Withdrawal
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
48 Month Jumbo Certificate
$0
3.76%
▲ 1.00% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.00% above avg
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
48 Month Share Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
48 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.86%
48 Month IRA Certificate
$0
3.75%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details
Brooklyn 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
60 Month 360 CDs
$0
4.30%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.47% above avg
Details
Fixed APY | No minimum balance
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
5 Year Certificate of Deposit
$1,000
3.75%
▲ 0.92% above national avg
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
5-year online CDs
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
315 Wyckoff Ave, Brooklyn, NY 11237
60 Month CD
$0
3.60%
▲ 0.77% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 5-year
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.67% above avg
Details
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA - 5-year
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.67% above avg
Details
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
5 Years (60 Months) Certificate of Deposit
$250
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.67% above avg
Details
Ukrainian National Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1678 E 17th St, Brooklyn, NY 11229
60 Month Share Certificate
$1,000
3.29%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.46% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
60 Month CD
$1,000
3.17%
▲ 0.34% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.34% above avg
Details
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
60 Month IRA CD
$1,000
3.17%
▲ 0.34% above national avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.34% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
60 Month CD
$0
3.10%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.27% above avg
Details
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
60 Month IRA
$500
3.10%
▲ 0.27% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.27% above avg
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.29%
5512 8th Ave, Brooklyn, NY 11220
60 Month CD
$500
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.17% above avg
Details
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
60 Month Certificate
$1,000
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.17% above avg
Details
Balance: $1,000.00
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
60 Month IRA Certificate of Deposit
$1,000
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.17% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
60 Month Certificates Of Deposit
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.17% above avg
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
60 Month IRA Certificates
$0
3.00%
▲ 0.17% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.17% above avg
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
67 Hanson Pl, Brooklyn, NY 11217 1549
5 Year Certificate
$1,000
2.87%
▲ 0.04% above national avg
▼
Rate2.83%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.04% above avg
Details
Available for new money only, new money is defined as money not currently on deposit or held by People's Alliance Federal Credit Union (PAFCU) within the past 12 months. New money is determined by PAFCU's sole discretion. Early withdrawal penalties may apply and could reduce earnings. Fees may reduce earnings. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply. See a PAFCU representative for complete details.
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
60 Month Bonus Certificate
$0
2.79%
▼ 0.04% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.04% below avg
Details
Balance: $50,000.00
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
5 Year Certificate Deposit
$0
2.70%
▼ 0.13% below national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.13% below avg
Details
Balance: $500-$249,999.99
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 5-Year CD
$500
2.70%
▼ 0.13% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.13% below avg
Details
FDIC insured; Guaranteed rate
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
60 Month Regular & IRA Certificates
$500
2.69%
▼ 0.14% below national avg
▼
Rate2.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▼ 0.14% below avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
60 Month Certificate of Deposit
$0
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.33% below avg
Details
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
60 Month IRA Certificate of Deposit
$0
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 0.33% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
5 Year CD
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.33% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
5-Year CD
$1,000
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 0.33% below avg
Details
Rates and Terms shown are for CDs opened or renewed online only.
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
1750 86th St, Brooklyn, NY 11214
60 Month Certificate
$0
2.50%
▼ 0.33% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▼ 0.33% below avg
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
5-Year CD
$1,000
1.25%
▼ 1.58% below national avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.83%▼ 1.58% below avg
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
5 Year CD
$250
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.83% below avg
Details
Relationship APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
2700 Coney Island Ave, Brooklyn, NY 11235
5 Year Certificate
$0
1.00%
▼ 1.83% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▼ 1.83% below avg
Details
Balance: $250.00 - $9,999.99
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA 5 years
$0
5.25%
▲ 2.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 2.42% above avg
Details
PLEASE CALL 718-366-6422 FOR MORE DETAILS
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
60 Month Certificate of Deposit
$0
4.42%
▲ 1.59% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.59% above avg
Details
Balance: $100,000.00 and over
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
60 Month IRA CD
$0
4.42%
▲ 1.59% above national avg
▼
Rate4.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.59% above avg
Details
Balance: $100,000.00 and over
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Month Bank CD
$0
4.40%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% above avg
Details
Featured: Market-leading CD rates
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Month Certificates of Deposit
$0
4.40%
▲ 1.57% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.57% above avg
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
60 Month Certificate of Deposit
$0
4.37%
▲ 1.54% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.54% above avg
Details
Balance: $50,000.00
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
60 Month IRA CD
$0
4.37%
▲ 1.54% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.54% above avg
Details
Balance: $50,000.00
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.35%
▲ 1.52% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5-Year CD
$500
4.35%
▲ 1.52% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.52% above avg
Details
10-Day CD Rate Guarantee. Our rates as of September 22, 2026. Comparison banks' rates as of September 15, 2026. The comparison is limited to the largest US banks and does not include rates of other online banks. Rates of the selected banks were obtained from Curinos, www.curinos.com , and reflect New York high yield savings rates for similar products offered at the select banks with a minimum balance of at least $2,500. Curinos has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
60 Month Certificate of Deposit
$0
4.22%
▲ 1.39% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.39% above avg
Details
Balance: $25,000.00
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 11.32%
60 Month IRA CD
$0
4.22%
▲ 1.39% above national avg
▼
Rate4.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.39% above avg
Details
Balance: $25,000.00
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
5 Year Certificate
$1,000
4.20%
▲ 1.37% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.37% above avg
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 5 years
$1,000
4.20%
▲ 1.37% above national avg
▼
Rate4.14%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.37% above avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
60 Month Business Certificate Account
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.32% above avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
60 Month Certificate
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.32% above avg
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.82%
60 Month IRA Certificate
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 1.32% above avg
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
60-Month Term/IRA Term - Single - 60 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.32% above national avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
Term: 60 MONTH TERM ACCOUNT
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.23%
Single - 60 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.41%
5-Year Share Certificate
$1,000
4.08%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.25% above avg
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.08%
5 Year Certificate
$500
4.08%
▲ 1.25% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.25% above avg
Details
Credit Quarterly Compound Daily
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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.
Brooklyn, NY CD Rate Trends
Compare local Brooklyn, NY 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
2.945%
▲ 0.004 vs 7 days ago
New York 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
6-Month CD NY Avg
2.760%
Unchanged vs 7 days ago
New York 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
As of Sep 23, 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
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
Sample CD Ladder for Brooklyn, New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
1,801
CD Rates
Tracked in Brooklyn, New York
Tracked in Brooklyn, New York
64 Banks
80 Credit Unions
About Our Brooklyn, New York CD Rate Database
MonitorBankRates tracks 1,801 CD rates from 64 banks and 80 credit unions with locations in Brooklyn, 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: Ridgewood Savings Bank offers a CD at 4.59% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Brooklyn, New York.
How to Find the Best CD Rates in Brooklyn, New York
What to compare when shopping for a CD in Brooklyn, New York
To find the best APYs in Brooklyn, New York, start with credit unions and online-only banks: Brooklyn, New York has 80 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 Brooklyn, 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 Brooklyn, New York: 144 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Brooklyn, 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 Brooklyn, New York money market rates
New York Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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
$150/yr
At NY 12-mo avg 2.945% 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 2.945%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $150 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, New York as everywhere in the U.S.
Choosing a CD Term in Brooklyn, 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 Brooklyn, New York savers easier access to their funds. For example, Capital One Bank is offering its 6 Month 360 CDs at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Capital One Bank is offering its 60 Month 360 CDs at 4.30% 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a Brooklyn, 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 Brooklyn, New York
Are CD rates in Brooklyn, New York FDIC insured?
Yes, most established banks in Brooklyn, 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, New York?
Here are recent top rates found for this area:
- Ridgewood Savings Bank: 4.59% APY (2-YEAR TREASURY INDEXED CD)
- Capital One Bank: 4.30% APY (12 Month 360 CDs)
- Cross County Savings Bank: 4.15% APY (18 Month Variable Rate IRA)
- Municipal Credit Union: 4.07% APY (Share Certificate 12-Month-Bonus Rate)
- Northfield Bank: 4.00% APY (12 Month Certificates Of Deposit)
- BankUnited: 3.95% APY (12-Month CD)
- Global Bank: 3.90% APY (6 Month Certificate of Deposit)
- M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
- Ponce Bank: 3.80% APY (6 Month Certificate of Deposit)
- Flagstar Bank, National Association: 3.80% APY (12-MONTH CD)
Rates reflect recent verified offers available in Brooklyn, New York. Last Updated: September 22, 2026
Brooklyn, 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 Brooklyn, 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 Brooklyn, New York
Brooklyn, New York CD Calculator
At today’s NY top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Brooklyn, New York CD LadderNY CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Brooklyn, New York CD at 4.59% 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 2.945% 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, 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 22, 2026
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