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CD Rates Central Square, New York (NY) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 5, 2026

Current Central Square, New York CD rates include Pathfinder BankPathfinder Bank3025 East Ave, Central Square, NY 13036A5.0 ★Texas Ratio: 12.40% offering 6 Month Jumbo CD with Active Account at 3.70% APY, Fulton Savings BankFulton Savings Bank3069 East Ave, Central Square, NY 13036A+5.0 ★Texas Ratio: 1.68% offering 3 Year CD at 0.40% APY, Italo American Credit UnionItalo American Credit UnionA+5.0 ★Texas Ratio: 2.78% offering Regular IRA And Roth IRA 3 and 4 year at 5.00% APY, Municipal Credit UnionMunicipal Credit UnionA5.0 ★Texas Ratio: 8.05% offering 12 Month Certificate Special at 4.33% APY, and CFCU Community Credit UnionCFCU Community Credit UnionA+5.0 ★Texas Ratio: 4.92% offering 18-month IRA Certificate at 4.25% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Central Square has 9 local institutions in our database, with CD rates as high as 3.70% APY from Pathfinder Bank at 3025 East Ave, Central Square, NY 13036. 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 — 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: April 5, 2026

Compare Best CD Rates in Central Square, New York & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
3 Month Certificate
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
3 Month Certificate
$0
3.80%
View
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
3 Month Certificate of Deposit - Branch
$500
3.75%
View
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month CDs
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
3 Month CD
$2,000
3.60%
View
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

APY (Annual Percentage Yield) based on balances of $2,000 or more

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month CD
$500
3.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Month Star Relationship CD
$0
3.50%
View
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply

Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
3 Month CD
$500
3.40%
View
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
3 month Share Certificates and IRAs
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month - 24 month Certificate Accounts
$0
3.17%
View
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs 3 month
$0
3.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Funding Limit: $12M

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Share Certificates 3-month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 3-month
$100
2.78%
View
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Business Term Share Certificate 3 Month
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 and above

The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Month Certificate of Deposit
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
2.28%
View
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
3 month Certificate
$0
2.21%
View
▼
Rate2.19%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Jumbo Certificate 3 Month Jumbo
$0
2.17%
View
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
3 Month CD
$500
1.90%
View
▼
Rate1.88%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
3-Month Term/IRA Term
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
3 Month Member Certificate
$0
1.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$0
1.50%
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit 3 Month
$1,000
1.25%
View
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
3-Month Certificates
$100
1.00%
View
▼
Rate0.98%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Month
$100,000
0.90%
View
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
90 Day Certificates
$2,500
0.55%
View
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3-Month Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Term Share Certificates 3 Month
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 minimum balance to earn dividends

United Orient Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
0.25%
View
▼
Rate0.24%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3 Month Share Certificates
$0
0.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
3 Month Certificate
$50,000
0.15%
View
▼
Rate0.15%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Personal CDs
$500
0.01%
View
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3025 East Ave, Central Square, NY 13036
6 Month Jumbo CD with Active Account
$1,000
3.70%
View
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Active Account

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
3069 East Ave, Central Square, NY 13036
6 Month CD
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

**

Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
6 Month CD and IRA
$0
4.15%
View
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
6 Month CD
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Limited Time

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Term Share Certificates 6 Month
$0
4.05%
View
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 minimum balance to earn dividends

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
6 Month Certificate
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.95%
View
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6-Month Share Certificate
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6 Month CD
$5,000
3.85%
View
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details

NEW MONEY REQUIRED ? IRA ELIGIBLE

NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
6 Month CD
$5,000
3.80%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Private 6-Month CD
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

for existing or new Private Checking account holders.

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
6 Month Certificate of Deposit - Branch
$500
3.65%
View
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificate Accounts
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6-Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6-month Share Certificate and IRA Certificate
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
6-Month Special Certificate Account
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6-Month CD Special
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
6 Month CDs
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
6 month CDARS-CD
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
6 Month Term Share (Certificate)
$1,000
3.43%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Gouverneur S&L
Institution Rating:
A+5.0 ★Texas Ratio: 3.99%
6 Month Certificate of Deposit
$0
3.41%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

As High As

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 6 Month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Spencerport Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
6 Month Certificate
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
6 Month Share Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Credit Monthly

Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
6-Month Term
$100,000
3.17%
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6 Month Jumbo Certificates
$100,000
3.10%
View
▼
Rate3.05%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
6 Month Certificate of Deposit (CD)
$0
3.00%
View
▼
Rate2.92%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply

Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 6-month
$100
2.94%
View
▼
Rate2.90%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 6 month
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 and above

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Share Certificates 6-month
$0
2.75%
View
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Month CD
$0
2.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
6 month Term Share Accounts
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
180 Day Certificates
$2,500
2.51%
View
▼
Rate2.49%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
6-Month Term/IRA Term
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
6 month Certificate
$0
2.12%
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
6-Month IRA Certificate
$1,000
2.10%
View
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

$1,000 Minimum To Open

Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
6 Month CD
$500
2.05%
View
▼
Rate2.02%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
6-Month IRA Share Certificate
$0
2.02%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 6 Month
$500
2.00%
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

($500 minimum/$100,000 maximum)

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
6 Month Member Certificate
$0
1.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6-Month CD
$2,000
1.61%
View
▼
Rate1.60%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 6 Month
$100,000
1.60%
View
▼
Rate1.59%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
6 Month CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
6 Month Term Share Certificate Accounts
$1,000
1.50%
View
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 6 Month
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
6 Month Certificate of Deposit
$0
1.30%
View
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit 6 Month
$1,000
1.25%
View
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3025 East Ave, Central Square, NY 13036
1 Year CD
$1,000
0.80%
View
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
3069 East Ave, Central Square, NY 13036
1 Year CD
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

**

Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Regular IRA And Roth IRA 1 year
$0
4.50%
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
12 Month Certificate Special
$0
4.33%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
12 Month Certificate
$0
4.05%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
12 Month Certificate
$0
4.00%
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Certificate (IRA Only)
$0
3.91%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12-month share certificate
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
1-Year Share Certificate
$1,000
3.87%
View
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
1 Year Certificate of Deposit (CD) 1/1/2026
$1,000
3.85%
View
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Limited time offer. Only available in our branches.

N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
12 Month Certificate
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
12 Month CDs
$0
3.70%
View
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
12 Month CD and IRA
$0
3.65%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12-Month Flex Certificate Accounts & IRA Certificate Accounts
$750
3.64%
View
▼
Rate3.57%
Min Deposit$750
Min Balance—
UpdatedApr 5, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Business CD 1 year
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Mo IRA Cert
$500
3.56%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Ballston Spa National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
12 Month Premier CD/IRA
$500
3.55%
View
▼
Rate3.52%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

2

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
12 Month Certificate of Deposit - Branch
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
12 Month CD
$1,000
3.49%
View
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 12 Month CD
$0
3.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 12 Month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Month Jumbo Certificates
$100,000
3.35%
View
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
12-Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
12 Month Term Share (Certificate)
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
1 Year Star Relationship CD
$0
3.27%
View
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply

MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
12 Month IRA Certificate
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity

Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 12-month
$100
3.20%
View
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Spencerport Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
12 Month Certificate
$0
3.19%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
12-Month Certificate of Deposit IRA
$500
3.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
12 Month Share Certificates
$0
3.10%
View
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
IRA Certificate 1-Year Term
$500
3.02%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Dividends credited semi-annually.

Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
12 Month Share Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
IRA CDs2,4 1 year
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Relationship IRA/Roth
$1,000
2.95%
View
▼
Rate2.92%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
12 month Term Share Accounts
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
12-Month IRA Certificate
$1,000
2.75%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

$1,000 Minimum To Open

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Share Certificates 12-month: Impact
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
1 Year Certificates and IRA
$500
2.57%
View
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Lockport Schools And Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
1 Year Certificate
$0
2.55%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
12 Month CD
$0
2.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
12-Month CD
$2,000
2.27%
View
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
12 Month Term Share Certificate Accounts
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
Share Certificates - 1 Year
$500
2.15%
View
▼
Rate2.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

($500 minimum/$100,000 maximum)

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
12 Month IRA Certificate
$0
2.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
12 month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
1 Year Share Certificate
$0
1.85%
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SPECIAL Share Certificate Rates

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA 12 Month
$0
1.81%
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CFCU Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
18-month IRA Certificate
$0
4.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Now through April 15, earn up to 4.25% APY

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
18 Month Certificate
$0
4.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
18-Month Share Certificate
$500
4.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Month Business CD
$2,500
3.95%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-month IRA TSC
$0
3.85%
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Bump Up Fixed Rate Certificates
$5,000
3.75%
View
▼
Rate3.68%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Jumbo Certificate 18 Month Jumbo
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
18 Month CD
$5,000
3.51%
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
18 Month Certificate of Deposit - Branch
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
18 Month Variable Rate IRA
$100
3.48%
View
▼
Rate3.42%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100
3.40%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Or, 3.40% APY* with $100 min. to open. Offer expires April 20, 2026.

Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month CD and IRA
$0
3.35%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
18-Month IRA Share Certificate
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Earn up to 3.30% APY* when you open up an 18-month IRA Share Certificate.

Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
18 Month Term Share (Certificate)
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Month Certificates
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
18 Month Share Certificates
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 Month Bump Up Share Certificate
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SPECIAL Share Certificate Rates

Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
18 Month CDs
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
18-Month IRA Certificate
$1,000
2.95%
View
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

$1,000 Minimum To Open

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
18-Month Term Account
$100,000
2.85%
View
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Business Term Share Certificate 18 Month
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA 18 Month
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
18 Month Star Relationship CD
$0
2.76%
View
▼
Rate2.69%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply

Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
18-Month Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Share Certificates 18-month
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificate of Deposit
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
18 Month CD
$1,000
2.38%
View
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
18-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
18 Month Member Certificate
$0
2.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Business CD 1.5 year
$0
2.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18-Month CD
$2,000
2.02%
View
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
18 month Term Share Accounts
$0
1.97%
View
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 18 Month
$100,000
1.85%
View
▼
Rate1.83%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18 Month Certificates
$0
1.60%
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.62%
18 Month Certificates
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit 18 Month
$1,000
1.50%
View
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Term Share Certificates - 18 Month Term
$0
1.46%
View
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

United Orient Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month Choice CD
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
18-Month Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Groton
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
18 Month CD
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 Month Share Certificates
$0
0.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Jeff Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
Jumbo Savings Certificate 18 Month Escalator
$100,000
0.30%
View
▼
Rate0.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Rate may be adjusted up once during 18 month term. Additional deposits of $150.00 or more.

First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
18 month Share Certificates and IRAs
$500
0.25%
View
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
18 Month Certificate
$100,000
0.20%
View
▼
Rate0.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
18 Month Relationship CD*
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
18-Month CD
$1,000
0.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 Month Personal CDs
$500
0.01%
View
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3025 East Ave, Central Square, NY 13036
2 Year CD
$1,000
0.95%
View
▼
Rate0.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
3069 East Ave, Central Square, NY 13036
2 Year CD
$500
0.30%
View
▼
Rate0.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

**

Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Regular IRA And Roth IRA 2 year
$0
4.75%
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
24 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rate Special

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
24 Month CD
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
View
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
24 Month Certificate
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
24 Month Term Share Certificates
$0
3.65%
View
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
2-Year Treasury Indexed CD
$100
3.63%
View
▼
Rate3.52%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Jumbo Certificate 24 Month Jumbo
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
24-Month IRA Share Certificate
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
24 Month Certificate of Deposit - Branch
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 Month Share Certificates
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
24 Month CD and IRA
$0
3.40%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2-Year Term CD
$100,000
3.37%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money 24 Month CD
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
IRA Certificates 24 Month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Compounded Quarterly

Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
24 Month Share Certificate
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
24 Month CD
$1,000
3.23%
View
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 24 Month
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
24 Month Term Share (Certificate)
$2,500
3.19%
View
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month - 24 month Certificate Accounts
$0
3.17%
View
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
24 Month Share Certificates
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
24-Month Term Account
$100,000
3.10%
View
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2-year Share Certificate and IRA Certificate
$0
3.07%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
24 Month CDs
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
Business Term Share Certificates 24 Month
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 minimum balance to earn dividends

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
24 Month CD
$1,000
2.79%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
2 Year Star Relationship CD
$0
2.76%
View
▼
Rate2.69%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply

MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
24 Month IRA Certificate
$0
2.75%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
CDARS? CDs 2 year
$0
2.66%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Funding Limit: $1M

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
24 Month Certificates and IRA
$500
2.60%
View
▼
Rate2.58%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
IRA CDs2,4 2 year
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificate of Deposit
$500
2.50%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
24-Month Certificate of Deposit IRA
$500
2.35%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Regular CDs
$0
2.34%
View
▼
Rate2.32%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Share Certificates 24-month: Standard and Simple Saver
$0
2.30%
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
2 Year Share Certificate
$0
2.24%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SPECIAL Share Certificate Rates

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
24 Month IRA Certificate
$0
2.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA 24 Month
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
24 month IRA
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 24 Month
$100,000
1.90%
View
▼
Rate1.88%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Relationship IRA/Roth
$1,000
1.80%
View
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Term Share Certificates - 24 Month Term
$0
1.76%
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit 24 Month
$1,000
1.75%
View
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.62%
24 Month Certificates
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
2 Year Certificate
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3025 East Ave, Central Square, NY 13036
3 Year CD
$1,000
1.05%
View
▼
Rate1.04%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Fulton Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
3069 East Ave, Central Square, NY 13036
3 Year CD
$500
0.40%
View
▼
Rate0.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

**

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
View
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
36 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rate Special

Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
36-Month IRA Share Certificate
$0
3.82%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month Certificate
$0
3.81%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
36 Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.67%
View
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
36 Month Share Certificate
$0
3.65%
View
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36-Month Certificate Account
$500
3.60%
View
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Jumbo Certificate 36 Month Jumbo
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
3 Year IRA Certificate
$0
3.51%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Minimum $500 Credit Quarterly Compound Daily

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
36 Month Certificate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
36 Month CD and IRA
$0
3.45%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3-Year Term
$100,000
3.42%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
Performance? CDs 36 month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
36-Month CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
36 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
36 Month CD
$1,000
3.18%
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 36 Month
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3-year Share Certificate and IRA Certificate
$0
3.07%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
IRA Certificates 36 Month
$0
3.03%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Compounded Quarterly

NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
36 Month CDs
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
36 Month CD
$1,000
2.79%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month IRA Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
IRA CDs2,4 3 year
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
36 Month Jumbo Share Certificates
$0
2.70%
View
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
36 Month Certificates and IRA
$500
2.65%
View
▼
Rate2.62%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Year Star Relationship CD
$0
2.50%
View
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Regular CDs
$0
2.49%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
36 Month IRA Certificate
$0
2.45%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
36-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
3 Year Share Certificate
$0
2.24%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SPECIAL Share Certificate Rates

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Share Certificates 36-month
$0
2.15%
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA 36 Month
$0
2.12%
View
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Year
$100,000
2.05%
View
▼
Rate2.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

ALCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA and Roth share certificates 36 month share certificate
$0
2.00%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
3-Year CD
$2,000
1.89%
View
▼
Rate1.87%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Year Certificate
$0
1.61%
View
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
36 Month Certificate
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
3-Year Certificates
$100
1.25%
View
▼
Rate1.23%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

Niagara Falls Air Force Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
36 month Term Certificate
$0
1.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

early withdrawal 180 day dividend penalty

Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 month Term Share Accounts
$0
1.16%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3-Year CD/IRA
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Groton
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
36 Month CD
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
36 Month CD
$2,500
0.70%
View
▼
Rate0.70%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
36 Month Share Certificates
$0
0.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
3025 East Ave, Central Square, NY 13036
4 Year CD
$1,000
1.10%
View
▼
Rate1.09%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
48 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
48 Month Share Certificate
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.72%
View
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
4 Year IRA Certificate
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Minimum $500 Credit Quarterly Compound Daily

Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
48 Month Certificate of Deposit - Branch
$500
3.60%
View
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 48 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
48 Month Certificate
$0
3.50%
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Jumbo Certificate 48 Month Jumbo
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
48-Month Term Account
$100,000
3.35%
View
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
48-Month CD
$0
3.25%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
48 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
48 Month CD
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
48 Month CD
$1,000
3.08%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4-year Share Certificate and IRA Certificate
$0
3.07%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 Mo IRA Cert
$500
3.04%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
48 Month CDs
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
48 Month CD
$1,000
2.79%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month IRA Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
48 Month Certificates and IRA
$500
2.69%
View
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
48 Month IRA Certificate
$0
2.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
48 Month Share Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
4 Year Star Relationship CD
$0
2.50%
View
▼
Rate2.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply

Bank of Holland
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit 48 Month
$500
2.49%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA 48 Month
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
48 Month Jumbo Share Certificates
$0
2.30%
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
48-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
4 Year Share Certificate
$0
2.24%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SPECIAL Share Certificate Rates

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Share Certificates 48-month
$0
2.15%
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 4 Year
$100,000
2.10%
View
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit 48 Month
$1,000
2.00%
View
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
4-Year CD
$2,000
1.89%
View
▼
Rate1.87%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
48 Month Relationship IRA/Roth
$1,000
1.80%
View
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
4 Year Certificate
$0
1.71%
View
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
48 Month Certificate
$0
1.30%
View
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
48 Month Business Certificate Account
$0
1.25%
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
48 month Term Share Accounts
$0
1.16%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Groton
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
48 Month CD
$0
1.06%
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
48 Month Business CD
$2,500
1.00%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details

Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
48 Month Share Certificates
$0
0.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
48 Month Certificate
$5,000
0.65%
View
▼
Rate0.65%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details

With Draft

First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
48 month Share Certificates and IRAs
$500
0.60%
View
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4 year Certificates/Individual Retirement Accounts
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 month CD
$500
0.45%
View
▼
Rate0.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 4 Year
$0
0.35%
View
▼
Rate0.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
60 Month Certificate
$0
3.95%
View
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
View
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
60 Month Term Share Certificates
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5 Year IRA Certificate
$0
3.67%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Minimum $500 Credit Quarterly Compound Daily

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60-Month Certificate Account
$500
3.65%
View
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
60-Month Term Account
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

60-Month term savings account.

Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
IRA 60 Month
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 60 Month
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
60 Month Share Certificate
$0
3.50%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
3.5-Year Bump Rate CD
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
Jumbo Certificate 60 Month Jumbo
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
60 Month CD
$1,000
3.23%
View
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
60-Month Special Certificate Account
$0
3.04%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
View
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
60 Month CDs
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
60 Month Certificate
$0
2.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
60 Month CD
$1,000
2.79%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
60 Month Certificates and IRA
$500
2.72%
View
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Suffolk Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
60-Month Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Bank of Holland
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
Certificates of Deposit 60 Month
$500
2.49%
View
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
60 Month Jumbo Share Certificates
$0
2.30%
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
60-Month Certificate of Deposit IRA
$500
2.27%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
5-Year Certificates
$100
2.25%
View
▼
Rate2.20%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details

United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
Share Certificates 60-month
$0
2.15%
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
IRA Certificates 5 Year
$500
2.10%
View
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit 60 Month
$1,000
2.00%
View
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
5-Year CD
$2,000
1.89%
View
▼
Rate1.87%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
60 Month Relationship IRA/Roth
$1,000
1.75%
View
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
60 Month Certificate
$0
1.20%
View
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

FNB of Groton
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
60 Month CD
$0
1.11%
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
60 Month Share Certificates
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
5 Year Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
60 month Share Certificates and IRAs
$500
0.70%
View
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
5 year Certificates/Individual Retirement Accounts
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Ulster Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
5 year CD
$500
0.50%
View
▼
Rate0.49%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
60 Month Term IRA Certificate
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year CD
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
60 Month Certificate
$100,000
0.20%
View
▼
Rate0.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

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.

Central Square, NY CD Rate Trends

Compare local Central Square, 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.

View Full New York CD Trends →
12-Month CD — NY Avg
3.158%
▲ 0.795 vs 7 days ago

New York 12-month CD rates rose 0.795 points over the past 7 days to 3.158% APY.

6-Month CD — NY Avg
3.009%
▲ 0.475 vs 7 days ago

New York 6-month CD rates rose 0.475 points over the past 7 days to 3.009% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Central Square, New York

Are CD rates in Central Square, New York FDIC insured?

Yes, most established banks in Central Square, 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 Central Square, 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 Central Square, 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 Central Square, 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 Central Square, New York?

Here are recent top rates found for this area:
  • Pathfinder Bank: 3.70% APY (6 Month Jumbo CD with Active Account)
  • Fulton Savings Bank: 0.40% APY (3 Year CD)
  • Italo American Credit Union: 5.00% APY (Regular IRA And Roth IRA 3 and 4 year)
  • Municipal Credit Union: 4.33% APY (12 Month Certificate Special)
  • CFCU Community Credit Union: 4.25% APY (18-month IRA Certificate)
  • Maspeth Federal S&L: 4.15% APY (6 Month CD and IRA)
  • USALLIANCE: 4.10% APY (18 Month Certificate)
  • Newtek Bank: 4.10% APY (6 Month CD)
  • First Source Federal Credit Union: 4.05% APY (Business Term Share Certificates 6 Month)
  • AmeriCU Credit Union: 4.00% APY (12 Month Certificate)
Rates reflect recent verified offers available in Central Square, New York. Last Updated: April 5, 2026

CD Calculators

CD Calculator
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Withdrawal Penalty
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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Central Square, 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 pulling data straight 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 Central Square, 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: April 5, 2026

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