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CD Rate Trends

Kingston, New York Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Kingston, New York CD rates range from 0.05% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Kingston, New York CD rates include Rhinebeck BankRhinebeck Bank27 Main St, Kingston, NY 12401A+5.0 ★Texas Ratio: 2.51%Real return: +1.60%APY minus CPI (February 2026) offering 2-Year CD - Promo at 4.40% APY, Ulster Savings BankUlster Savings Bank180 Schwenk Dr, Kingston, NY 12401A5.0 ★Texas Ratio: 12.93%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month CD at 4.25% APY, Bank of Greene CountyBank of Greene County2 Miron Ln, Kingston, NY 12401A+5.0 ★Texas Ratio: 1.35%Real return: +1.20%APY minus CPI (February 2026) offering 5 Year 5-STAR CD at 4.00% APY, TrustCo BankTrustCo Bank1220 Ulster Ave, Kingston, NY 12401A+5.0 ★Texas Ratio: 4.14%Real return: +1.20%APY minus CPI (February 2026) offering 18 Months CD at 4.00% APY, and M&T BankM&T Bank108 N Front St, Kingston, NY 12401A+5.0 ★Texas Ratio: 4.11%Real return: +1.05%APY minus CPI (February 2026) offering 18 MONTH SELECT Certificate of Deposit at 3.85% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Kingston has 98 local institutions in our database, with CD rates as high as 4.40% APY from Rhinebeck Bank at 27 Main St, Kingston, NY 12401. 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: October 13, 2026

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

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Kingston 3 Month CD Rates

New York 3 Month CD Average2.06% APYNational 2.09%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
3-Month CD
$2,000
1.61% ▼ 0.45% below New York avg
View
▼
Rate1.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▼ 0.45% below avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 1.61% APY · checked 3 times
1.11%1.61%2.11%Sep 24, 2026: 1.61% APYSep 24, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Month - Relationship
$0
1.00% ▼ 1.06% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▼ 1.06% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Month Certificate
$0
1.00% ▼ 1.06% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▼ 1.06% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Month TD Choice CD
$250
1.00% ▼ 1.06% below New York avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▼ 1.06% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
3 Month CD
$2,500
0.10% ▼ 1.96% below New York avg
View
▼
Rate0.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▼ 1.96% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
3 Month Certificate
$2,500
0.10% ▼ 1.96% below New York avg
View
▼
Rate0.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▼ 1.96% below avgNationally 2.09%
Details

Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
3 Month Share and IRA Certificates
$0
0.10% ▼ 1.96% below New York avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▼ 1.96% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 3 Months
$0
0.10% ▼ 1.96% below New York avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▼ 1.96% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.00% below New York avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▼ 2.00% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.00% below New York avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▼ 2.00% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.01% below New York avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▼ 2.01% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
3 Month Share Certificates
$50
4.50% ▲ 2.44% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 2.44% above avgNationally 2.09%
Details

Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Certificate
$0
4.30% ▲ 2.24% above New York avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 2.24% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 6, 2026: 4.30% APYOct 6, 2026Oct 14, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
3 Month Certificate of Deposits
$100,000
4.10% ▲ 2.04% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 2.04% above avgNationally 2.09%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 27, 2026: 4.10% APYSep 27, 2026Oct 14, 2026
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Month Three Month Business CD
$1,000
4.07% ▲ 2.01% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 2.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 24, 2026: 4.07% APYSep 24, 2026Oct 14, 2026
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
Share Certificate - 3 Month
$0
4.00% ▲ 1.94% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.94% above avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
Share Certificates - 3 Months
$0
4.00% ▲ 1.94% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 1.94% above avgNationally 2.09%
Details

Balance: $10,000+; Basic*: 2.90% APY; Better**: 3.40% APY; Best***: 4.00% APY; ****: $10,000+

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificates - 3 Months
$0
3.92% ▲ 1.86% above New York avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 1.86% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 9 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.74% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.74% above avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 14, 2026
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3-Month CD Special
$500
3.80% ▲ 1.74% above New York avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.74% above avgNationally 2.09%
Details

Additional terms and conditions apply. Annual Percentage Yield (APY) is accurate as of February 18, 2026. Minimum opening deposit is $500; maximum deposit is $1,000,000. Offer good for a limited time only and may be withdrawn at any time without notice. Rates subject to change without notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity. CD special is available at any Adirondack Trust Company retail branch location.

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Oct 14, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
3 Month Certificate
$0
3.75% ▲ 1.69% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificate
$0
3.75% ▲ 1.69% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month IRA Certificate
$0
3.75% ▲ 1.69% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
3 Month Certificate of Deposit
$1,000
3.75% ▲ 1.69% above New York avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 3 Month Certificate
$500
3.75% ▲ 1.69% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 1.64% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 months up to 6 (Apply Online)
$10,000
3.70% ▲ 1.64% above New York avg
View
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month IRA CD
$1,000
3.70% ▲ 1.64% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 14, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
3.65% ▲ 1.59% above New York avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.59% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
3 Month Share Certificate
$0
3.61% ▲ 1.55% above New York avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 1.55% above avgNationally 2.09%
Details

Credit Monthly; Interest Compounded Daily; Penalty for early withdrawal applies

Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 9, 2026: 3.61% APYOct 9, 2026Oct 14, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60% ▲ 1.54% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.54% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 14, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.49% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.49% above avgNationally 2.09%
Details

Earn 3.55% APY on balances of $500 or more.

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50% ▲ 1.44% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
3 Month Star Relationship CD
$500
3.50% ▲ 1.44% above New York avg
View
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.44% above avgNationally 2.09%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 19, 2026: 3.50% APYSep 19, 2026Oct 14, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40% ▲ 1.34% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.34% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35% ▲ 1.29% above New York avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 1.29% above avgNationally 2.09%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
Bank of Baroda
Institution Rating:
A+5.0 ★
3 Month Certificates of Deposit
$0
3.30% ▲ 1.24% above New York avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
New York Average2.06%▲ 1.24% above avgNationally 2.09%
Details

Term: 3 Months and above to less than 6 Months

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 14, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
90 Day Certificate of Deposit
$250
3.25% ▲ 1.19% above New York avg
View
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Certificate
$500
3.25% ▲ 1.19% above New York avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Youth Minimum Balance: $50

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25% ▲ 1.19% above New York avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
2.65%3.20%3.75%Sep 14, 2026: 3.15% APYOct 5, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.25%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Plus Certificate
$100,000
3.25% ▲ 1.19% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Plus Certificate
$25,000
3.10% ▲ 1.04% above New York avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 1.04% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 14, 2026: 3.00% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20263.10%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
Certificate Shares - 3 months
$0
3.04% ▲ 0.98% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.98% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 14, 2026
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.56%
CDs - 3 Months
$0
3.03% ▲ 0.97% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.97% above avgNationally 2.09%
Details

Yield: 3.03%; CD Rates effective 6/5/2026 and subject to change without notice; penalty for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 9, 2026: 3.03% APYOct 9, 2026Oct 14, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
3 Month Certificate of Deposit (CD)
$500
3.00% ▲ 0.94% above New York avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Early Withdrawal Penalties May Apply; Rates are subject to change at any time

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$2,500
3.00% ▲ 0.94% above New York avg
View
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Rate History
No change since Sep 9, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Sep 9, 2026: 3.00% APYSep 9, 2026Oct 14, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
3 Month Certificate
$500
3.00% ▲ 0.94% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Online

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 3 Months
$500
3.00% ▲ 0.94% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Available In-Branch

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3 Month Share Certificate
$500
3.00% ▲ 0.94% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Not eligible for IRAs

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Plus Certificate
$0
3.00% ▲ 0.94% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026

Kingston 6 Month CD Rates

New York 6 Month CD Average2.78% APYNational 2.77%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
6 Months CD
$0
3.40% ▲ 0.62% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 0.62% above avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 14, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
6 Month Jumbo Certificate
$100,000
3.10% ▲ 0.32% above New York avg
View
▼
Rate3.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 0.32% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 8 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 14, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
6 Month Certificate
$500
3.00% ▲ 0.22% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 0.22% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
6-Month CD
$2,000
1.61% ▼ 1.17% below New York avg
View
▼
Rate1.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.78%▼ 1.17% below avgNationally 2.77%
Details

Rate History
No change since Sep 24, 2026 · 1.61% APY · checked 3 times
1.11%1.61%2.11%Sep 24, 2026: 1.61% APYSep 24, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
6 Month Certificate
$0
1.00% ▼ 1.78% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▼ 1.78% below avgNationally 2.77%
Details

Balance: $250.00 - $9,999.99; Relationship APY: 1.00%; Standard APY: 1.00%

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
6 Month TD Choice CD
$250
1.00% ▼ 1.78% below New York avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▼ 1.78% below avgNationally 2.77%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
6 Month CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT
$0
0.25% ▼ 2.53% below New York avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▼ 2.53% below avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 14, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
6 Month CD
$2,500
0.15% ▼ 2.63% below New York avg
View
▼
Rate0.15%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.78%▼ 2.63% below avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
6 Month Certificate
$500
0.15% ▼ 2.63% below New York avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.78%▼ 2.63% below avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
6 Month Share and IRA Certificates
$0
0.15% ▼ 2.63% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▼ 2.63% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 6 Months
$0
0.15% ▼ 2.63% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▼ 2.63% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
6 month Standard Fixed Rate
$2,500
0.06% ▼ 2.72% below New York avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▼ 2.72% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
6 month Standard Interest Rate
$2,500
0.06% ▼ 2.72% below New York avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▼ 2.72% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
6 month Standard Fixed Rate
$2,500
0.05% ▼ 2.73% below New York avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▼ 2.73% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
6 Month Youth Share Certificate
$0
6.00% ▲ 3.22% above New York avg
View
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 3.22% above avgNationally 2.77%
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 3 times
5.50%6.00%6.50%Oct 5, 2026: 6.00% APYOct 5, 2026Oct 14, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6-month TSC
$1,000
5.00% ▲ 2.22% above New York avg
View
▼
Rate4.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 2.22% above avgNationally 2.77%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
3.00%4.50%6.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 5.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20265.00%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50% ▲ 1.72% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details

Account 34; Interest Monthly; Min. $1,000; Requires $5,000 New Money for 4.50% APY, otherwise 4.00% APY

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.72% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details

Code 89; Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate - 6 Month
$0
4.50% ▲ 1.72% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details

Interest paid monthly; JUMBO; account code 54

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.72% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details

Int. Monthly; min. $500

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
6 Month Share Certificates
$50
4.50% ▲ 1.72% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details

Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
4.40% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
6 Month Certificate of Deposit
$1,000
4.40% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 25, 2026: 4.15% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.40%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Certificate
$100
4.40% ▲ 1.62% above New York avg
View
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details

Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.40%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Term/IRA - Single - 6 MONTH TERM ACCOUNT
$0
4.40% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Term/IRA Term - Single 6 Month Term Account
$0
4.40% ▲ 1.62% above New York avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details

Open now

Rate History
No change since Oct 13, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 13, 2026: 4.40% APYOct 13, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Certificate
$0
4.35% ▲ 1.57% above New York avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.57% above avgNationally 2.77%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-month CD
$10,000
4.35% ▲ 1.57% above New York avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.57% above avgNationally 2.77%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month 360 CDs
$0
4.30% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.52% above avgNationally 2.77%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.47% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details

Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Certificate
$500
4.25% ▲ 1.47% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details

Additional deposits are not allowed. Certificate will automatically renew at the time of maturity. Sunmark will provide 30 days notice prior to the maturity date. If you do not contact Sunmark on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Rate is accurate as of August 3, 2026. Speak with a Sunmark representative for current rate information as well as applicable fees and terms. Rates subject to change.

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Commercial Share Certificate
$500
4.25% ▲ 1.47% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details

Additional Deposits Permitted

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
6 Month Certificates of Deposit
$0
4.20% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.42% above avgNationally 2.77%
Details

Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 20, 2026: 4.20% APYSep 20, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
6 Months Bank CD
$0
4.20% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.42% above avgNationally 2.77%
Details

No monthly fees or minimum deposit

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 6 Months
$0
4.20% ▲ 1.42% above New York avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.42% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
6 Month Certificate of Deposits
$100,000
4.15% ▲ 1.37% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 27, 2026: 4.15% APYSep 27, 2026Oct 14, 2026
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Month Certificate
$500
4.15% ▲ 1.37% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details

Compounded/Credited: Monthly/Monthly

Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 8, 2026: 4.15% APYOct 8, 2026Oct 14, 2026
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificates - 6 Months
$0
4.15% ▲ 1.37% above New York avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
3.35%4.00%4.65%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month Certificate
$0
4.15% ▲ 1.37% above New York avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificates - 6 Months
$0
4.10% ▲ 1.32% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10% ▲ 1.32% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05% ▲ 1.27% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.27% above avgNationally 2.77%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05% ▲ 1.27% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.27% above avgNationally 2.77%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 14, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month CD
$2,500
4.00% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
6 months up to 1 year (Apply Online)
$1,000
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month Certificate of Deposit Special
$0
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
6 Month Share & IRA Share Certificate
$0
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Rate History
1 change since Oct 8, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Oct 8, 2026: 3.60% APYOct 12, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.60%
  • Oct 8, 20263.60%first recorded

Kingston 12 Month CD Rates

New York 12 Month CD Average3.02% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
12 Month CD
$2,500
4.00% ▲ 0.98% above New York avg
View
▼
Rate3.87%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
12 Months CD
$0
3.95% ▲ 0.93% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45%
2.95%3.70%4.45%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYSep 19, 2026Oct 14, 2026
  • Sep 24, 20263.95%▲ from 3.45%
  • Sep 19, 20263.45%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
12 Month Jumbo Certificate
$100,000
3.50% ▲ 0.48% above New York avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.48% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
1 Year CD
$1,000
3.40% ▲ 0.38% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.38% above avgNationally 2.99%
Details

Relationship Certificates must be accompanied by an active checking account. An active account is one that completes 3 or more transactions per month. Certificates of Deposit may impose penalty for early withdrawal. Any fees charged could reduce earnings.

Rate History
2 changes since Sep 19, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 19, 2026: 3.25% APYSep 24, 2026: 3.35% APYOct 2, 2026: 3.40% APYSep 19, 2026Oct 14, 2026
  • Oct 2, 20263.40%▲ from 3.35%
  • Sep 24, 20263.35%▲ from 3.25%
  • Sep 19, 20263.25%first recorded
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
1 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT
$0
3.40% ▲ 0.38% above New York avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.38% above avgNationally 2.99%
Details

Relationship CD-with active checking account*

Rate History
1 change since Sep 19, 2026 · 3.00% → 3.40% ▲ 0.40 pts · high 3.40% / low 3.00%
2.50%3.20%3.90%Sep 19, 2026: 3.00% APYOct 7, 2026: 3.40% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20263.40%▲ from 3.00%
  • Sep 19, 20263.00%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
12 Month Certificate
$500
3.40% ▲ 0.38% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.38% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
12 Month VIP - Variable Certificate
$25,000
3.40% ▲ 0.38% above New York avg
View
▼
Rate3.34%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.38% above avgNationally 2.99%
Details

Variable rate

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificates - 12 Month
$100
3.40% ▲ 0.38% above New York avg
View
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.38% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
1 Year Online CD
$0
3.25% ▲ 0.23% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.23% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
1 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT
$0
3.00% ▼ 0.02% below New York avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 0.02% below avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 14, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
12-Month CD
$2,000
2.27% ▼ 0.75% below New York avg
View
▼
Rate2.25%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▼ 0.75% below avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 2.27% APY · checked 3 times
1.77%2.27%2.77%Sep 24, 2026: 2.27% APYSep 24, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.51% below New York avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 1.51% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.51% below New York avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 1.51% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.52% below New York avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 1.52% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
12 Month Share and IRA Certificates
$0
1.50% ▼ 1.52% below New York avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 1.52% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 12 Months
$0
1.50% ▼ 1.52% below New York avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 1.52% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
12 Month - Relationship
$0
1.00% ▼ 2.02% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 2.02% below avgNationally 2.99%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
12 Month Certificate
$0
1.00% ▼ 2.02% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 2.02% below avgNationally 2.99%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
12 Month TD Choice CD
$250
1.00% ▼ 2.02% below New York avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 2.02% below avgNationally 2.99%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
12 Month Certificate
$500
0.25% ▼ 2.77% below New York avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▼ 2.77% below avgNationally 2.99%
Details

Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
12 Month TD IRA Add-Vantage CD
$0
0.05% ▼ 2.97% below New York avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 2.97% below avgNationally 2.99%
Details

IRA

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 14, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
1 Year Youth Share Certificate
$0
5.50% ▲ 2.48% above New York avg
View
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 2.48% above avgNationally 2.99%
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 3 times
5.00%5.50%6.00%Oct 5, 2026: 5.50% APYOct 5, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
12 Month Certificates of Deposit
$0
4.75% ▲ 1.73% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.73% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 20, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 20, 2026: 4.35% APYOct 4, 2026: 4.40% APYOct 12, 2026: 4.75% APYSep 20, 2026Oct 14, 2026
  • Oct 12, 20264.75%▲ from 4.40%
  • Oct 4, 20264.40%▲ from 4.35%
  • Sep 20, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 12 Months
$0
4.75% ▲ 1.73% above New York avg
View
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.73% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 8, 2026: 4.75% APYOct 8, 2026Oct 14, 2026
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year Certificate
$500
4.58% ▲ 1.56% above New York avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.56% above avgNationally 2.99%
Details

Certificate Type: 1 Year (12 months); Required On Deposit: $500.00

Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 2 times
4.08%4.58%5.08%Oct 5, 2026: 4.58% APYOct 5, 2026Oct 14, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year IRA TSC
$1,000
4.50% ▲ 1.48% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Traditional IRA; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth Conversion IRA TSC
$1,000
4.50% ▲ 1.48% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Roth Conversion IRA; Dividend Rate 4.41%, APY 4.50%

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth IRA TSC
$1,000
4.50% ▲ 1.48% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Roth IRA term share certificate; Dividend Rate 4.41%; minimum opening deposit $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year TSC
$1,000
4.50% ▲ 1.48% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Certificate
$100
4.50% ▲ 1.48% above New York avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 14, 2026: 4.35% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Term/IRA Term - Single 12 Month Term Account
$0
4.50% ▲ 1.48% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Balance: $100.00 minimum to open and earn APY; fixed-rate certificate; dividends compounded and paid monthly; penalty if funds withdrawn before maturity

Rate History
No change since Oct 13, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 14, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 12 MONTH TERM ACCOUNT
$0
4.50% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Certificate/Term Account (like a CD)

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 18, 2026: 4.35% APYOct 5, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
12 Month Share Certificates
$50
4.50% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA - 1 year
$0
4.50% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.50% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Special Rate

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Certificate
$0
4.50% ▲ 1.48% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12-month CD
$10,000
4.50% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.50%▲ from 4.40%
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
4.40% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 14, 2026: 3.90% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
12 Month Certificate of Deposit
$1,000
4.40% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 25, 2026: 4.15% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.40%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.35% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.35% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.33% above New York avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CDs
$0
4.30% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.30% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-MONTH CD
$500
4.30% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 Month Certificate of Deposit
$0
4.27% ▲ 1.25% above New York avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.25% above avgNationally 2.99%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 18, 2026: 4.06% APYOct 7, 2026: 4.27% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.27%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Seneca Savings
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
6-12 Month Certificate of Deposit
$25,000
4.25% ▲ 1.23% above New York avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details

Must be a new CD funded of at least $25000 to qualify. No new money needed. APY effective for new CDs opened. Rates may change at any time. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Rate is effective 8/25/2026.

Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 14, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
12 Month IRA CD
$1,000
4.25% ▲ 1.23% above New York avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 12 Month Certificate
$500
4.25% ▲ 1.23% above New York avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details

($500.00 Minimum to open and obtain APY) (Fixed Rate)

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 3, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded

Kingston 18 Month CD Rates

New York 18 Month CD Average2.99% APYNational 2.88%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
18-Month CD - Promo
$2,000
4.30% ▲ 1.31% above New York avg
View
▼
Rate4.22%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.99%▲ 1.31% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
18 Months CD
$0
4.00% ▲ 1.01% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
108 N Front St, Kingston, NY 12401
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.86% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
108 N Front St, Kingston, NY 12401
18-Month M&T Select CD
$0
3.85% ▲ 0.86% above New York avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
18 Month Certificate
$500
3.50% ▲ 0.51% above New York avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 0.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificates - 18 Month
$100
3.50% ▲ 0.51% above New York avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 0.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
18 Month Share and IRA Certificates
$0
2.00% ▼ 0.99% below New York avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▼ 0.99% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 18 Months
$0
2.00% ▼ 0.99% below New York avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▼ 0.99% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
18 Month - Relationship
$0
1.00% ▼ 1.99% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▼ 1.99% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
18 Month Certificate
$0
1.00% ▼ 1.99% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▼ 1.99% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
18 Month TD Choice CD
$250
1.00% ▼ 1.99% below New York avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▼ 1.99% below avgNationally 2.88%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
18 Month CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT
$0
0.30% ▼ 2.69% below New York avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▼ 2.69% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 19, 2026: 0.30% APYSep 19, 2026Oct 14, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
18 Month CD
$500
0.30% ▼ 2.69% below New York avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.99%▼ 2.69% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 19, 2026: 0.30% APYSep 19, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
18 Month Certificate
$500
0.30% ▼ 2.69% below New York avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.99%▼ 2.69% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 19, 2026: 0.30% APYSep 19, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
18 MONTH IRA CLUB
$50
0.30% ▼ 2.69% below New York avg
View
▼
Rate0.30%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.99%▼ 2.69% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 19, 2026: 0.30% APYSep 19, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Certificate
$0
4.65% ▲ 1.66% above New York avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.66% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 6, 2026: 4.65% APYOct 6, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-month CD
$10,000
4.65% ▲ 1.66% above New York avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.66% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
3.85%4.50%5.15%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYSep 24, 2026Oct 14, 2026
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50% ▲ 1.51% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.

Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.50% APYOct 4, 2026: 4.35% APYOct 8, 2026: 4.50% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.50%▲ from 4.35%
  • Oct 4, 20264.35%▼ from 4.50%
  • Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50% ▲ 1.51% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 14, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month IRA TSC
$1,000
4.50% ▲ 1.51% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Traditional IRA; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month Roth IRA TSC
$1,000
4.50% ▲ 1.51% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Roth IRA term share certificate; Dividend Rate 4.41%; minimum opening deposit $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month TSC
$1,000
4.50% ▲ 1.51% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18 Month Variable Rate IRA
$100
4.46% ▲ 1.47% above New York avg
View
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.47% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
3.65%4.31%4.96%Sep 19, 2026: 4.15% APYOct 7, 2026: 4.46% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.46%▲ from 4.15%
  • Sep 19, 20264.15%first recorded
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 Month Certificate
$0
4.44% ▲ 1.45% above New York avg
View
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.45% above avgNationally 2.88%
Details

Rate History
No change since Oct 3, 2026 · 4.44% APY · checked 3 times
3.94%4.44%4.94%Oct 3, 2026: 4.44% APYOct 3, 2026Oct 14, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$500
4.40% ▲ 1.41% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details

10-Day CD Rate Guarantee

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 10, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.40% ▲ 1.41% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1 1/2 Years (18 Months) Certificate of Deposit
$250
4.40% ▲ 1.41% above New York avg
View
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Term: 1 1/2 Years (18 Months)

Rate History
1 change since Sep 20, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
3.10%4.08%5.05%Sep 20, 2026: 3.75% APYOct 3, 2026: 4.40% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.40%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Month Certificates of Deposit
$0
4.40% ▲ 1.41% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Months Bank CD
$0
4.40% ▲ 1.41% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details

No monthly fees or minimum deposit

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 18 Months
$0
4.40% ▲ 1.41% above New York avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.37% ▲ 1.38% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.38% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
3.72%4.30%4.87%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35% ▲ 1.36% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.36% above avgNationally 2.88%
Details

Or, 4.35% APY* with $100 min.

Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 25, 2026: 4.35% APYOct 4, 2026: 4.50% APYOct 12, 2026: 4.35% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.35%▼ from 4.50%
  • Oct 4, 20264.50%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35% ▲ 1.36% above New York avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.36% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35% ▲ 1.36% above New York avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.36% above avgNationally 2.88%
Details

Balance: $100,000+; Jumbo

Rate History
No change since Oct 12, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 12, 2026: 4.35% APYOct 12, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.32% ▲ 1.33% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.33% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
3.66%4.24%4.82%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.32%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CDs
$0
4.30% ▲ 1.31% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.31% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 18 Months
$50
4.25% ▲ 1.26% above New York avg
View
▼
Rate4.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-MONTH CD
$500
4.25% ▲ 1.26% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.20% ▲ 1.21% above New York avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.21% above avgNationally 2.88%
Details

Regular

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
18 Month Share Certificate
$0
4.18% ▲ 1.19% above New York avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.19% above avgNationally 2.88%
Details

Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies

Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 9, 2026: 4.18% APYOct 9, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.16% ▲ 1.17% above New York avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.17% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
3.51%4.09%4.66%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.16% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.16%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
18 Month CD Special with Active Account
$0
4.15% ▲ 1.16% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.16% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 8, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 8, 2026: 4.05% APYSep 18, 2026: 4.15% APYSep 8, 2026Oct 14, 2026
  • Sep 18, 20264.15%▲ from 4.05%
  • Sep 8, 20264.05%first recorded
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Trailblazer - 18 Months
$0
4.15% ▲ 1.16% above New York avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.16% above avgNationally 2.88%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 14, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
Share Certificates - 18 Month Jumbo
$0
4.10% ▲ 1.11% above New York avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.11% above avgNationally 2.88%
Details

Jumbo

Rate History
1 change since Sep 21, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 21, 2026: 3.60% APYSep 29, 2026: 4.10% APYSep 21, 2026Oct 14, 2026
  • Sep 29, 20264.10%▲ from 3.60%
  • Sep 21, 20263.60%first recorded
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
18 Month KIDS Account Certificate
$0
4.10% ▲ 1.11% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.99%▲ 1.11% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
2.50%3.70%4.90%Sep 18, 2026: 3.30% APYSep 29, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Sep 29, 20264.10%▲ from 3.30%
  • Sep 18, 20263.30%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 18 Month
$500
4.08% ▲ 1.09% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.09% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 18 Month
$500
4.08% ▲ 1.09% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.09% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 14, 2026
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-Month Certificate IRA
$1,000
4.07% ▲ 1.08% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.08% above avgNationally 2.88%
Details

Individual Retirement Account (IRA) Rates

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Traditional Share Certificate
$1,000
4.07% ▲ 1.08% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
18 Month Certificate of Deposits
$100,000
4.05% ▲ 1.06% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.06% above avgNationally 2.88%
Details

Minimum $100,000 required to open an account.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 14, 2026

Kingston 24 Month CD Rates

New York 24 Month CD Average2.96% APYNational 2.88%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
2-Year CD - Promo
$2,000
4.40% ▲ 1.44% above New York avg
View
▼
Rate4.31%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 14, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
24 Month CD
$500
4.25% ▲ 1.29% above New York avg
View
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 19, 2026: 4.25% APYSep 19, 2026Oct 14, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
24 Month Certificate
$500
3.75% ▲ 0.79% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 14, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificates - 24 Month
$100
3.75% ▲ 0.79% above New York avg
View
▼
Rate3.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 0.79% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
2 Year Online CD
$0
3.00% ▲ 0.04% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 0.04% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
24 Month Certificate
$0
1.00% ▼ 1.96% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▼ 1.96% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
24 Month TD Choice CD
$250
1.00% ▼ 1.96% below New York avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▼ 1.96% below avgNationally 2.88%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
24 MONTH RISING
$500
0.50% ▼ 2.46% below New York avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▼ 2.46% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 14, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
2 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT
$0
0.35% ▼ 2.61% below New York avg
View
▼
Rate0.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▼ 2.61% below avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 19, 2026: 0.35% APYSep 19, 2026Oct 14, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
2 Year Youth Share Certificate
$0
5.00% ▲ 2.04% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 2.04% above avgNationally 2.88%
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 5, 2026: 5.00% APYOct 5, 2026Oct 14, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA - 2 year
$0
4.75% ▲ 1.79% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.79% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Certificate
$0
4.70% ▲ 1.74% above New York avg
View
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.74% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 6, 2026: 4.70% APYOct 6, 2026Oct 14, 2026
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
2-YEAR TREASURY INDEXED CD
$0
4.59% ▲ 1.63% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.63% above avgNationally 2.88%
Details

TOP THE TREASURY; variable yield account with no cap today!

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 5 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 14, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
2 Year Certificate of Deposit
$1,000
4.55% ▲ 1.59% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.59% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year Certificate
$500
4.53% ▲ 1.57% above New York avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.57% above avgNationally 2.88%
Details

Certificate Type: 2 Year (24 months); Required On Deposit: $500.00

Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 2 times
4.03%4.53%5.03%Oct 5, 2026: 4.53% APYOct 5, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45% ▲ 1.49% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.49% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45% ▲ 1.49% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.49% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.42% ▲ 1.46% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.46% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.40% ▲ 1.44% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40% ▲ 1.44% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40% ▲ 1.44% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Month Certificates of Deposit
$0
4.40% ▲ 1.44% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Months Bank CD
$0
4.40% ▲ 1.44% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

No monthly fees or minimum deposit

Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 4, 2026: 4.40% APYOct 4, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 24 Months
$0
4.40% ▲ 1.44% above New York avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 14, 2026
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
24 Month Certificate of Deposit
$1,000
4.40% ▲ 1.44% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 25, 2026: 4.20% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.40%▲ from 4.20%
  • Sep 25, 20264.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.37% ▲ 1.41% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.41% above avgNationally 2.88%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CD
$0
4.35% ▲ 1.39% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 14, 2026
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24 Month Certificate
$0
4.35% ▲ 1.39% above New York avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
2.65%3.93%5.20%Sep 14, 2026: 3.50% APYSep 22, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20264.35%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
2 Year Share Certificate
$0
4.34% ▲ 1.38% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details

Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.34% ▲ 0.47 pts · high 4.34% / low 3.87%
3.37%4.11%4.84%Sep 14, 2026: 3.87% APYOct 5, 2026: 4.34% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.34%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 2 Year Certificate
$500
4.34% ▲ 1.38% above New York avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details

Minimum $500 Credit; Quarterly Compound Daily

Rate History
No change since Oct 13, 2026 · 4.34% APY
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 14, 2026
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
24 Month Long-Term Certificates
$50,000
4.34% ▲ 1.38% above New York avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 8 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APYSep 14, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
24 Month 360 CDs
$0
4.30% ▲ 1.34% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.34% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
24 Month Certificate
$500
4.30% ▲ 1.34% above New York avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.34% above avgNationally 2.88%
Details

Online

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 24 Months
$500
4.30% ▲ 1.34% above New York avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.34% above avgNationally 2.88%
Details

Available In-Branch

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
3.40%4.10%4.80%Sep 14, 2026: 3.90% APYOct 8, 2026: 4.30% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20264.30%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.29% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.29% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 24 Months
$50
4.25% ▲ 1.29% above New York avg
View
▼
Rate4.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
7 - 24 Month Share Certificate
$0
4.25% ▲ 1.29% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Choose Your Own Term! 7 to 24 months!

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-MONTH CD
$500
4.25% ▲ 1.29% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.22% ▲ 1.26% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.26% above avgNationally 2.88%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 18, 2026: 4.01% APYOct 7, 2026: 4.22% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.22%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
24 Month Jumbo Certificate
$0
4.16% ▲ 1.20% above New York avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 12, 2026: 4.16% APYOct 12, 2026Oct 14, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
24 Month Super Share & IRA Certificate
$0
4.15% ▲ 1.19% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 14, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
24 Month Share Certificate
$100,000
4.15% ▲ 1.19% above New York avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Minimum Deposit: $500; Dividend: 3.93%; APY: 4.00%

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business 24 Month Share Certificate
$100,000
4.15% ▲ 1.19% above New York avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Balance: $500 - $100,000

Rate History
1 change since Sep 22, 2026 · 1.90% → 4.15% ▲ 2.25 pts · high 4.15% / low 1.90%
0.00%3.20%6.40%Sep 22, 2026: 1.90% APYOct 10, 2026: 4.15% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.15%▲ from 1.90%
  • Sep 22, 20261.90%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24-Month Certificate
$500
4.15% ▲ 1.19% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 6, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share & IRA Certificates - 24 months
$0
4.15% ▲ 1.19% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 6, 2026: 4.15% APYOct 6, 2026Oct 14, 2026
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Share Certificate
$0
4.11% ▲ 1.15% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.15% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.11% ▲ 0.41 pts · high 4.11% / low 3.70%
3.20%3.91%4.61%Sep 14, 2026: 3.70% APYSep 25, 2026: 3.80% APYOct 5, 2026: 4.11% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.11%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 24 Month
$500
4.08% ▲ 1.12% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.12% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
1 change since Sep 14, 2026 · 3.61% → 4.08% ▲ 0.47 pts · high 4.08% / low 3.61%
3.11%3.84%4.58%Sep 14, 2026: 3.61% APYSep 20, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
  • Sep 20, 20264.08%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 24 Month
$500
4.08% ▲ 1.12% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.12% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 8, 2026: 4.08% APYOct 8, 2026Oct 14, 2026
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Share & IRA Certificate - 24 Months
$0
4.08% ▲ 1.12% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.12% above avgNationally 2.88%
Details

Rates effective 10/1/2026; Nominal Rate 4.00%

Rate History
1 change since Sep 14, 2026 · 3.30% → 4.08% ▲ 0.78 pts · high 4.08% / low 3.30%
2.52%3.69%4.86%Sep 14, 2026: 3.30% APYOct 13, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.08%▲ from 3.30%
  • Sep 14, 20263.30%first recorded

Kingston 36 Month CD Rates

New York 36 Month CD Average2.77% APYNational 2.81%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
36 Month Certificate
$500
3.00% ▲ 0.23% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificates - 36 Month
$100
3.00% ▲ 0.23% above New York avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
3 Year Online CD
$0
2.75% ▼ 0.02% below New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 0.02% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
36 Month Share and IRA Certificates
$0
2.50% ▼ 0.27% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 36 Months
$0
2.50% ▼ 0.27% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 14, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
3-Year CD
$2,000
1.89% ▼ 0.88% below New York avg
View
▼
Rate1.87%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▼ 0.88% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 1.89% APY · checked 3 times
1.39%1.89%2.39%Sep 24, 2026: 1.89% APYSep 24, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Year Certificate
$0
1.00% ▼ 1.77% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 1.77% below avgNationally 2.81%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Year TD Choice CD
$250
1.00% ▼ 1.77% below New York avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 1.77% below avgNationally 2.81%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
36 Month Certificate
$500
0.60% ▼ 2.17% below New York avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▼ 2.17% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 19, 2026: 0.60% APYSep 19, 2026Oct 14, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
3 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT
$0
0.35% ▼ 2.42% below New York avg
View
▼
Rate0.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 2.42% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 19, 2026: 0.35% APYSep 19, 2026Oct 14, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
3 Year TRIPLE PROTECTION CD
$0
0.25% ▼ 2.52% below New York avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 2.52% below avgNationally 2.81%
Details

Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 14, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month CD
$0
4.90% ▲ 2.13% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▲ 2.13% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
1.46%4.04%6.62%Sep 19, 2026: 3.18% APYOct 3, 2026: 4.90% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20264.90%▲ from 3.18%
  • Sep 19, 20263.18%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
IRA 36 Month CD
$1,000
4.90% ▲ 2.13% above New York avg
View
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▲ 2.13% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 7, 2026: 4.90% APYOct 7, 2026Oct 14, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional 36 Month CD
$0
4.90% ▲ 2.13% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▲ 2.13% above avgNationally 2.81%
Details

Traditional/Roth IRA Accounts

Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
1.46%4.04%6.62%Sep 19, 2026: 3.18% APYOct 3, 2026: 4.90% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20264.90%▲ from 3.18%
  • Sep 19, 20263.18%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Certificate
$0
4.85% ▲ 2.08% above New York avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 2.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 6, 2026: 4.85% APYOct 6, 2026Oct 14, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
3 Year Certificate of Deposit
$1,000
4.55% ▲ 1.78% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.78% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.52% ▲ 1.75% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.75% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.52% ▲ 1.75% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.75% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 36 Months
$50
4.50% ▲ 1.73% above New York avg
View
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.73% above avgNationally 2.81%
Details

Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.47% ▲ 1.70% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.70% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.47%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.47% ▲ 1.70% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.70% above avgNationally 2.81%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.47% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.47%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.40% ▲ 1.63% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Month Certificates of Deposit
$0
4.40% ▲ 1.63% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Months Bank CD
$0
4.40% ▲ 1.63% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details

No monthly fees or minimum deposit

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 36 Months
$0
4.40% ▲ 1.63% above New York avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 14, 2026
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
36 Month Certificate of Deposit
$1,000
4.40% ▲ 1.63% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 25, 2026: 4.25% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.40%▲ from 4.25%
  • Sep 25, 20264.25%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36-Month Certificate
$500
4.35% ▲ 1.58% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 14, 2026: 4.05% APYOct 6, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.35%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share & IRA Certificates - 36 months
$0
4.35% ▲ 1.58% above New York avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 6, 2026: 4.35% APYOct 6, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.32% ▲ 1.55% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.55% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYOct 7, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.32%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.32% ▲ 1.55% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.55% above avgNationally 2.81%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYOct 2, 2026: 4.32% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.32%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Month 360 CDs
$0
4.30% ▲ 1.53% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.53% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
3 Year Share Certificate
$0
4.29% ▲ 1.52% above New York avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.52% above avgNationally 2.81%
Details

Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.72% → 4.29% ▲ 0.57 pts · high 4.29% / low 3.72%
3.15%4.01%4.86%Sep 14, 2026: 3.72% APYOct 5, 2026: 4.29% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.29%▲ from 3.72%
  • Sep 14, 20263.72%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 3 Year Certificate
$500
4.29% ▲ 1.52% above New York avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.52% above avgNationally 2.81%
Details

Minimum $500 Credit; Quarterly Compound Daily

Rate History
No change since Oct 13, 2026 · 4.29% APY
3.79%4.29%4.79%Oct 13, 2026: 4.29% APYOct 13, 2026Oct 14, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.48% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.48% above avgNationally 2.81%
Details

Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Share Certificate
$0
4.22% ▲ 1.45% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.45% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.59% → 4.22% ▲ 0.63 pts · high 4.22% / low 3.59%
2.96%3.91%4.85%Sep 14, 2026: 3.59% APYSep 25, 2026: 3.80% APYOct 5, 2026: 4.22% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.22%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.59%
  • Sep 14, 20263.59%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
36 Month Super Share & IRA Certificate
$0
4.20% ▲ 1.43% above New York avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.43% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 12, 2026: 4.20% APYOct 12, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 years up to 4 (Apply Online)
$1,000
4.10% ▲ 1.33% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 14, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 3 years up to 4
$1,000
4.10% ▲ 1.33% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 18, 2026: 4.00% APYOct 2, 2026: 4.10% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.10%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
36 Month Share & IRA Share Certificate
$0
4.10% ▲ 1.33% above New York avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 4.10% ▲ 0.60 pts · high 4.10% / low 3.50%
2.90%3.80%4.70%Oct 8, 2026: 3.50% APYOct 12, 2026: 4.10% APYOct 8, 2026Oct 14, 2026
  • Oct 12, 20264.10%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Traditional Share Certificate
$5,000
4.07% ▲ 1.30% above New York avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.30% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Term Share Accounts - 36 Months
$500
4.07% ▲ 1.30% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.30% above avgNationally 2.81%
Details

Rate History
No change since Oct 5, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 5, 2026: 4.07% APYOct 5, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.01% ▲ 1.24% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.24% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
3.25%3.88%4.51%Sep 18, 2026: 3.75% APYOct 7, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.01%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.01% ▲ 1.24% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.24% above avgNationally 2.81%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.01% / low 3.75%
3.25%3.88%4.51%Sep 18, 2026: 3.75% APYOct 2, 2026: 4.01% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.01%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3 Years (36 Months) Certificate of Deposit
$250
4.00% ▲ 1.23% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 20, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
3 Year Certificate
$0
4.00% ▲ 1.23% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
36 Month Term Account
$0
4.00% ▲ 1.23% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Single account

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 14, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 36 MONTH TERM ACCOUNT
$0
4.00% ▲ 1.23% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Single account

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 14, 2026
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
36 Month Certificate
$500
4.00% ▲ 1.23% above New York avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded

Kingston 48 Month CD Rates

New York 48 Month CD Average2.69% APYNational 2.80%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
48 Month Certificate
$500
3.00% ▲ 0.31% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificates - 48 Month
$100
3.00% ▲ 0.31% above New York avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
4 Year Online CD
$0
2.75% ▲ 0.06% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 0.06% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
4-Year CD
$2,000
1.89% ▼ 0.80% below New York avg
View
▼
Rate1.87%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▼ 0.80% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 1.89% APY · checked 3 times
1.39%1.89%2.39%Sep 24, 2026: 1.89% APYSep 24, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
48 Month Certificate
$500
0.65% ▼ 2.04% below New York avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▼ 2.04% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 19, 2026: 0.65% APYSep 19, 2026Oct 14, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
48 Month CD
$500
0.45% ▼ 2.24% below New York avg
View
▼
Rate0.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▼ 2.24% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 3 times
0.00%0.48%0.95%Sep 19, 2026: 0.45% APYSep 19, 2026Oct 14, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
4 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT
$0
0.35% ▼ 2.34% below New York avg
View
▼
Rate0.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▼ 2.34% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 19, 2026: 0.35% APYSep 19, 2026Oct 14, 2026
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% ▲ 2.31% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 2.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
4.95% ▲ 2.26% above New York avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 2.26% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 6, 2026: 4.95% APYOct 6, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.58% ▲ 1.89% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.89% above avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.58% ▲ 1.89% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.89% above avgNationally 2.80%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
4 Year Certificate of Deposit
$1,000
4.55% ▲ 1.86% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.86% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.52% ▲ 1.83% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.83% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYOct 7, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.52%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.52% ▲ 1.83% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.83% above avgNationally 2.80%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.52%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 48 Months
$50
4.50% ▲ 1.81% above New York avg
View
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.81% above avgNationally 2.80%
Details

Dividends paid monthly

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 9, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.40% ▲ 1.71% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
48 Month Certificate of Deposit
$1,000
4.40% ▲ 1.71% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 25, 2026: 4.30% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.40%▲ from 4.30%
  • Sep 25, 20264.30%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
4 Year Share Certificate
$0
4.39% ▲ 1.70% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.70% above avgNationally 2.80%
Details

Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies

Rate History
No change since Oct 9, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 9, 2026: 4.39% APYOct 9, 2026Oct 14, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
48 Month CD
$0
4.38% ▲ 1.69% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
1.78%3.73%5.68%Sep 19, 2026: 3.08% APYOct 3, 2026: 4.38% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20264.38%▲ from 3.08%
  • Sep 19, 20263.08%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
IRA 48 Month CD
$1,000
4.38% ▲ 1.69% above New York avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.38% APY · checked 2 times
3.88%4.38%4.88%Oct 7, 2026: 4.38% APYOct 7, 2026Oct 14, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional 48 Month CD
$0
4.38% ▲ 1.69% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details

Traditional/Roth IRA Accounts

Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
1.78%3.73%5.68%Sep 19, 2026: 3.08% APYOct 3, 2026: 4.38% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20264.38%▲ from 3.08%
  • Sep 19, 20263.08%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.37% ▲ 1.68% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.68% above avgNationally 2.80%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 7, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.37% ▲ 1.68% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.68% above avgNationally 2.80%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYOct 2, 2026: 4.37% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
4 Year Certificate
$0
4.34% ▲ 1.65% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.65% above avgNationally 2.80%
Details

Credit Quarterly; Compound Daily

Rate History
No change since Oct 9, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 9, 2026: 4.34% APYOct 9, 2026Oct 14, 2026
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 4 Year Certificate
$500
4.34% ▲ 1.65% above New York avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.65% above avgNationally 2.80%
Details

Minimum $500 Credit; Quarterly Compound Daily

Rate History
No change since Oct 13, 2026 · 4.34% APY
3.84%4.34%4.84%Oct 13, 2026: 4.34% APYOct 13, 2026Oct 14, 2026
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Share Certificate
$0
4.32% ▲ 1.63% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.63% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 3.49% → 4.32% ▲ 0.83 pts · high 4.32% / low 3.49%
2.66%3.91%5.15%Sep 14, 2026: 3.49% APYSep 25, 2026: 3.80% APYOct 5, 2026: 4.32% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.32%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
48 Month 360 CDs
$0
4.30% ▲ 1.61% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.61% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
48 Month Super Share & IRA Certificate
$0
4.25% ▲ 1.56% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.56% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
48 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.56% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.56% above avgNationally 2.80%
Details

Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 years up to 5 (Apply Online)
$1,000
4.20% ▲ 1.51% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 14, 2026
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
4.20% ▲ 1.51% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
3.60%4.15%4.70%Sep 18, 2026: 4.10% APYOct 2, 2026: 4.20% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.20%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
48 Month Share & IRA Share Certificate
$0
4.15% ▲ 1.46% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details

Rate History
1 change since Oct 8, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55%
2.95%3.85%4.75%Oct 8, 2026: 3.55% APYOct 12, 2026: 4.15% APYOct 8, 2026Oct 14, 2026
  • Oct 12, 20264.15%▲ from 3.55%
  • Oct 8, 20263.55%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Certificate
$100
4.15% ▲ 1.46% above New York avg
View
▼
Rate4.07%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details

Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Term/IRA Term
$0
4.15% ▲ 1.46% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details

Single - 48 MONTH TERM ACCOUNT; Certificate Account; fixed rate; dividends compounded and paid monthly; penalty for withdrawal before maturity

Rate History
No change since Sep 21, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 21, 2026: 4.15% APYSep 21, 2026Oct 14, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 48 MONTH TERM ACCOUNT
$0
4.15% ▲ 1.46% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details

Certificate Accounts; 48-Month Term/IRA

Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 5, 2026: 4.15% APYOct 5, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.06% ▲ 1.37% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 7, 2026: 4.06% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.06% ▲ 1.37% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
3.35%3.96%4.56%Sep 18, 2026: 3.85% APYOct 2, 2026: 4.06% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.06%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
4 Year IRA Share Certificate Accounts
$0
4.06% ▲ 1.37% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details

Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal

Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 14, 2026
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
48 Month Certificate
$500
4.05% ▲ 1.36% above New York avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.36% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
3.10%3.83%4.55%Sep 14, 2026: 3.60% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.05%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Business 48-Month Certificate
$500
4.05% ▲ 1.36% above New York avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.36% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
3.10%3.83%4.55%Sep 14, 2026: 3.60% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.05%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.03% ▲ 1.34% above New York avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.34% above avgNationally 2.80%
Details

Early withdrawal penalty: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 8 times
3.53%4.03%4.53%Sep 14, 2026: 4.03% APYSep 14, 2026Oct 14, 2026
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
48 Month CD
$0
4.00% ▲ 1.31% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.31% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 1.91% → 4.00% ▲ 2.09 pts · high 4.00% / low 1.91%
0.00%3.05%6.09%Sep 19, 2026: 1.91% APYOct 3, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20264.00%▲ from 1.91%
  • Sep 19, 20261.91%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
4 Years (48 Months) Certificate of Deposit
$250
4.00% ▲ 1.31% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.31% above avgNationally 2.80%
Details

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 20, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
48 Month Jumbo Certificate
$0
4.00% ▲ 1.31% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.31% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit - 48 Month
$0
4.00% ▲ 1.31% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.31% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
4 Year IRA Share Certificate Accounts
$0
3.93% ▲ 1.24% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.24% above avgNationally 2.80%
Details

Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal

Rate History
No change since Oct 4, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Oct 4, 2026: 3.93% APYOct 4, 2026Oct 14, 2026
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month Certificate (with step up option)
$0
3.92% ▲ 1.23% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 6, 2026: 3.92% APYOct 6, 2026Oct 14, 2026
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48-MONTH SHARE CERTIFICATE
$0
3.92% ▲ 1.23% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.23% above avgNationally 2.80%
Details

FEATURED

Rate History
No change since Oct 1, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 1, 2026: 3.92% APYOct 1, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
3.91% ▲ 1.22% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.22% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
3.91% ▲ 1.22% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.22% above avgNationally 2.80%
Details

Balance: $1,000.00 - $9,999.99

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYOct 2, 2026: 3.91% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20263.91%▲ from 3.70%
  • Sep 18, 20263.70%first recorded

Kingston 60 Month CD Rates

New York 60 Month CD Average2.88% APYNational 2.91%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
5 Year 5-STAR CD
$0
4.00% ▲ 1.12% above New York avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.12% above avgNationally 2.91%
Details

Relationship CD-with active checking account*

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.50% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20264.00%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
5 Year 5-STAR CD
$0
3.50% ▲ 0.62% above New York avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 0.62% above avgNationally 2.91%
Details

Rate History
1 change since Sep 19, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 19, 2026: 3.00% APYOct 2, 2026: 3.50% APYSep 19, 2026Oct 14, 2026
  • Oct 2, 20263.50%▲ from 3.00%
  • Sep 19, 20263.00%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
60 Month Certificate
$500
3.00% ▲ 0.12% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.12% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificates - 60 Month
$100
3.00% ▲ 0.12% above New York avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.12% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
5 Year Online CD
$0
2.75% ▼ 0.13% below New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▼ 0.13% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 14, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
5-Year CD
$2,000
1.89% ▼ 0.99% below New York avg
View
▼
Rate1.87%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▼ 0.99% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 1.89% APY · checked 3 times
1.39%1.89%2.39%Sep 24, 2026: 1.89% APYSep 24, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
5 Year Certificate
$0
1.00% ▼ 1.88% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▼ 1.88% below avgNationally 2.91%
Details

Balance: $250.00 - $9,999.99; Relationship APY

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
5 Year TD Choice CD
$250
1.00% ▼ 1.88% below New York avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▼ 1.88% below avgNationally 2.91%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
60 Month Certificate
$500
0.75% ▼ 2.13% below New York avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▼ 2.13% below avgNationally 2.91%
Details

Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 19, 2026: 0.75% APYSep 19, 2026Oct 14, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
5 Year CD
$500
0.50% ▼ 2.38% below New York avg
View
▼
Rate0.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▼ 2.38% below avgNationally 2.91%
Details

Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 14, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA - 5 years
$0
5.25% ▲ 2.37% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 2.37% above avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 5.25% APY · checked 3 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APYSep 14, 2026Oct 14, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Certificate
$0
5.00% ▲ 2.12% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 2.12% above avgNationally 2.91%
Details

Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APYOct 6, 2026Oct 14, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
60 Month CD
$0
4.64% ▲ 1.76% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 1.76% above avgNationally 2.91%
Details

Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
1.82%3.93%6.05%Sep 19, 2026: 3.23% APYOct 3, 2026: 4.64% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20264.64%▲ from 3.23%
  • Sep 19, 20263.23%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
IRA 60 Month CD
$1,000
4.64% ▲ 1.76% above New York avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 1.76% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 4.64% APY · checked 2 times
4.14%4.64%5.14%Oct 7, 2026: 4.64% APYOct 7, 2026Oct 14, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional 60 Month CD
$0
4.64% ▲ 1.76% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 1.76% above avgNationally 2.91%
Details

Traditional/Roth IRA Accounts

Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
1.82%3.93%6.05%Sep 19, 2026: 3.23% APYOct 3, 2026: 4.64% APYSep 19, 2026Oct 14, 2026
  • Oct 3, 20264.64%▲ from 3.23%
  • Sep 19, 20263.23%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.63% ▲ 1.75% above New York avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.75% above avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 7, 2026: 4.63% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.63% ▲ 1.75% above New York avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.75% above avgNationally 2.91%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 2, 2026: 4.63% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.58% ▲ 1.70% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.70% above avgNationally 2.91%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 7, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.58% ▲ 1.70% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.70% above avgNationally 2.91%
Details

Balance: $50,000.00 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
5 Year Certificate of Deposit
$1,000
4.55% ▲ 1.67% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.67% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
2.95%4.15%5.35%Sep 14, 2026: 3.75% APYSep 28, 2026: 4.55% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20264.55%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.42% ▲ 1.54% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.54% above avgNationally 2.91%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 7, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.42% ▲ 1.54% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.54% above avgNationally 2.91%
Details

Balance: $25,000.00 - $49,999.99

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.42% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.40% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details

Early Withdrawal Penalty: Yes

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 14, 2026: 4.35% APYOct 6, 2026: 4.40% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.40%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Month Certificates of Deposit
$0
4.40% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details

Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 20, 2026: 4.40% APYSep 20, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Months Bank CD
$0
4.40% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details

No monthly fees or minimum deposit

Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 4, 2026: 4.40% APYOct 4, 2026Oct 14, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 60 Months
$0
4.40% ▲ 1.52% above New York avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 8, 2026: 4.40% APYOct 8, 2026Oct 14, 2026
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
60 Month Certificate of Deposit
$1,000
4.40% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details

Rate History
1 change since Sep 25, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 25, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
5 Year Share Certificate
$0
4.39% ▲ 1.51% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.51% above avgNationally 2.91%
Details

Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.39% ▲ 0.31 pts · high 4.39% / low 4.08%
3.58%4.23%4.89%Sep 14, 2026: 4.08% APYOct 5, 2026: 4.39% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.39%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 5 Year Certificate
$500
4.39% ▲ 1.51% above New York avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.51% above avgNationally 2.91%
Details

Minimum $500 Credit; Quarterly Compound Daily

Rate History
No change since Oct 13, 2026 · 4.39% APY
3.89%4.39%4.89%Oct 13, 2026: 4.39% APYOct 13, 2026Oct 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CDs
$0
4.30% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
5 Year Certificate (Apply Online)
$1,000
4.30% ▲ 1.42% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 14, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 5 years
$1,000
4.30% ▲ 1.42% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 18, 2026: 4.20% APYOct 2, 2026: 4.30% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.30%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
60 Month Super Share & IRA Certificate
$0
4.30% ▲ 1.42% above New York avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 12, 2026: 4.30% APYOct 12, 2026Oct 14, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
5 Years (60 Months) Certificate of Deposit
$250
4.25% ▲ 1.37% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.37% above avgNationally 2.91%
Details

Rate History
1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 20, 2026: 3.50% APYOct 3, 2026: 4.25% APYSep 20, 2026Oct 14, 2026
  • Oct 3, 20264.25%▲ from 3.50%
  • Sep 20, 20263.50%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year Certificate
$500
4.22% ▲ 1.34% above New York avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.34% above avgNationally 2.91%
Details

Certificate Type: 5 Year (60 months); Required On Deposit: $500.00

Rate History
No change since Oct 5, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 5, 2026: 4.22% APYOct 5, 2026Oct 14, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
60 Month Share & IRA Share Certificate
$0
4.20% ▲ 1.32% above New York avg
View
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.32% above avgNationally 2.91%
Details

Rate History
1 change since Oct 8, 2026 · 3.55% → 4.20% ▲ 0.65 pts · high 4.20% / low 3.55%
2.90%3.88%4.85%Oct 8, 2026: 3.55% APYOct 12, 2026: 4.20% APYOct 8, 2026Oct 14, 2026
  • Oct 12, 20264.20%▲ from 3.55%
  • Oct 8, 20263.55%first recorded
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Business Certificate Account
$0
4.15% ▲ 1.27% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Certificate
$0
4.15% ▲ 1.27% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month IRA Certificate
$0
4.15% ▲ 1.27% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 60 MONTH TERM ACCOUNT
$100
4.15% ▲ 1.27% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details

Certificate Accounts (60-Month Term/IRA); Minimum deposit of $100 required to open and earn the APY; penalty for withdrawal before maturity

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.11% ▲ 1.23% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.23% above avgNationally 2.91%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 18, 2026: 3.91% APYOct 7, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
  • Oct 7, 20264.11%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.11% ▲ 1.23% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.23% above avgNationally 2.91%
Details

Balance: $10,000.00 - $24,999.99

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
3.41%4.01%4.61%Sep 18, 2026: 3.91% APYOct 2, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
  • Oct 2, 20264.11%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
60 Month Jumbo Certificate
$0
4.11% ▲ 1.23% above New York avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.23% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 12, 2026: 4.11% APYOct 12, 2026Oct 14, 2026
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
5 Year KIDS Account Certificate
$0
4.10% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.88%▲ 1.22% above avgNationally 2.91%
Details

JUMBO Minimum Balance: $50,000

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 21, 2026: 3.85% APYSep 29, 2026: 4.10% APYSep 21, 2026Oct 14, 2026
  • Sep 29, 20264.10%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
60 Month Certificate
$500
4.10% ▲ 1.22% above New York avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 1.22% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Business 60-Month Certificate
$500
4.10% ▲ 1.22% above New York avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 1.22% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 27, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5-Year Share Certificate
$1,000
4.08% ▲ 1.20% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.20% above avgNationally 2.91%
Details

Early withdrawal penalty: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 8 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Term Share Accounts - 60 Months
$500
4.07% ▲ 1.19% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.19% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 5, 2026: 4.07% APYOct 5, 2026Oct 14, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
5 Year IRA Share Certificate Accounts
$0
4.06% ▲ 1.18% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.18% above avgNationally 2.91%
Details

Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal

Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 4, 2026: 4.06% APYOct 4, 2026Oct 14, 2026
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year 5-Star CD - Relationship
$0
4.00% ▲ 1.12% above New York avg
View
▼
Rate3.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 1.12% above avgNationally 2.91%
Details

Relationship CD-with active checking account*

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 14, 2026
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.

Top CD Rates from Kingston, New York Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Rhinebeck Bank
2-Year CD - Promo
A+ 5.0 ★ TX: 2.51%
Min: $2,000
4.40%
Ulster Savings Bank
24 Month CD
A 5.0 ★ TX: 12.93%
Min: $500
4.25%
Bank of Greene County
5 Year 5-STAR CD
A+ 5.0 ★ TX: 1.35%
Min: $0
4.00%
TrustCo Bank
18 Months CD
A+ 5.0 ★ TX: 4.14%
Min: $0
4.00%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
CU Top 5 Credit Union Rates
Mid-Hudson Valley Federal Credit Union
24 Month Certificate
A+ 5.0 ★ TX: 2.32%
Min: $500
3.75%
Ulster Federal Credit Union
36 Month Share and IRA Certificates
A+ 5.0 ★ TX: 1.80%
Min: $0
2.50%
Cornerstone Community Federal Credit Union
6 Month Youth Share Certificate
B+ 4.8 ★ TX: 17.18%
Min: $0
6.00%
Italo American Credit Union
Regular IRA And Roth IRA - 5 years
A+ 5.0 ★ TX: 0.00%
Min: $0
5.25%
Syracuse Fire Department Employees Federal Credit Union
6-month TSC
A+ 5.0 ★ TX: 3.25%
Min: $1,000
5.00%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Kingston, NY CD Rate Trends

Compare local Kingston, 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
3.025%
▲ 0.017 vs 7 days ago

New York 12-month CD rates rose 0.017 points over the past 7 days to 3.025% APY.

6-Month CD NY Avg
2.784%
▲ 0.035 vs 7 days ago

New York 6-month CD rates rose 0.035 points over the past 7 days to 2.784% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

NY CD Rate Forecast, Next 12 Months

Where are New York CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

NY 12-Month Avg APY
3.025%
6-Month Forecast
3.025%
Range: 2.83%, 3.18%
12-Month Forecast
3.275%
Range: 3.08%, 3.43%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the New York average 12-month CD APY in our database.

Spread model: The New York 12-month CD average currently trades 1.35% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at NY CD Rates Today

Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.

CD Term NY Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.058% $102.89 $205.78 $514.45 $1,028.90
6-Month CD 2.784% $139.21 $278.42 $696.05 $1,392.10
12-Month CD 3.025% $151.23 $302.45 $756.13 $1,512.25
18-Month CD 2.986% $149.30 $298.60 $746.50 $1,493.00
24-Month CD 2.962% $148.12 $296.23 $740.58 $1,481.15
36-Month CD 2.768% $138.38 $276.76 $691.90 $1,383.80
48-Month CD 2.689% $134.42 $268.85 $672.13 $1,344.25
60-Month CD 2.883% $144.13 $288.26 $720.65 $1,441.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Kingston, 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.

Build Your Ladder
Rung Term Deposit NY Avg APY Annual Earnings
1 3-Month CD $5,000 2.058% $102.89
2 6-Month CD $5,000 2.784% $139.21
3 12-Month CD $5,000 3.025% $151.23
4 24-Month CD $5,000 2.962% $148.12
5 36-Month CD $5,000 2.768% $138.38
Total ($25,000 invested) $25,000 2.719% blended $679.83/yr

Ladder example uses equal $5,000 rungs and New York average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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2,253
CD Rates
Tracked in Kingston, New York
63 Banks 98 Credit Unions

About Our Kingston, New York CD Rate Database

MonitorBankRates tracks 2,253 CD rates from 63 banks and 98 credit unions with locations in Kingston, New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Rhinebeck Bank offers a CD at 4.40% APY with a minimum deposit of $2,000. Use the rate table above to compare all current offers in Kingston, New York.

How to Find the Best CD Rates in Kingston, New York

What to compare when shopping for a CD in Kingston, New York

To find the best APYs in Kingston, New York, start with credit unions and online-only banks: Kingston, New York has 98 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 Kingston, 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 Kingston, New York: 161 institutions here report CD rates

Consider an Alternative If…

Kingston, New York Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
16.9%
National avg: 17.3%
Median Individual Earnings
$41,537
National avg: $47,340
Poverty Rate
17.6%
National avg: 11.1%
Unemployment Rate
5.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$126/yr
At NY 12-mo avg 3.025% APY

16.9% of residents are 65 or older, below the national average of 17.3%. At today’s NY 12-month CD average of 3.025%, saving 10% of the local median salary ($4,153/year) and putting it in a CD would earn an additional $126 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 Kingston, New York

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Kingston, 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 Kingston, 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 Kingston, New York as everywhere in the U.S.

Choosing a CD Term in Kingston, 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 Kingston, New York savers easier access to their funds. For example, TrustCo Bank is offering its 6 Months CD at 3.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bank of Greene County is offering its 5 Year 5-STAR CD at 4.00% 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 Kingston, 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 Kingston, 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 Kingston, 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 Kingston, 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 Kingston, New York

Most CDs carry a fixed rate that is locked for the entire term, protecting a Kingston, 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 Kingston, New York

Are CD rates in Kingston, New York FDIC insured?

Yes, most established banks in Kingston, 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 Kingston, 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 Kingston, 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 Kingston, 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 Kingston, New York?

Here are recent top rates found for this area:
  • Rhinebeck Bank: 4.40% APY (2-Year CD - Promo)
  • Ulster Savings Bank: 4.25% APY (24 Month CD)
  • Bank of Greene County: 4.00% APY (5 Year 5-STAR CD)
  • TrustCo Bank: 4.00% APY (18 Months CD)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • Mid-Hudson Valley Federal Credit Union: 3.75% APY (24 Month Certificate)
  • Citizens Access: 3.25% APY (1 Year Online CD)
  • Ulster Federal Credit Union: 2.50% APY (36 Month Share and IRA Certificates)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
  • TD Bank: 1.00% APY (12 Month - Relationship)
Rates reflect recent verified offers available in Kingston, New York. Last Updated: October 13, 2026

Kingston, 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 Kingston, New York rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Kingston, New York CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Kingston, New York. Averages shown use the New York state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Kingston, New York

Kingston, New York CD Calculator

At today’s NY top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.

Kingston, New York CD Ladder

NY CD rates currently range from 2.058% (3-month) to 2.768% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Kingston, New York CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

New York’s average 12-month CD is 3.025% 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 Kingston, 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 Kingston, 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 Kingston, New York. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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