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CD Rate Trends

Portland, 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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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Portland, New York CD rates from banks and credit unions serving New York range from 0.55% to 6.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Portland, New York CD rates include Cornerstone Community Federal Credit UnionCornerstone Community Federal Credit UnionB+4.8 ★Texas Ratio: 17.18%Real return: +3.20%APY minus CPI (February 2026) offering 6 Month Youth Share Certificate at 6.00% APY, Syracuse Fire Department Employees Federal Credit UnionSyracuse Fire Department Employees Federal Credit UnionA+5.0 ★Texas Ratio: 3.25%Real return: +2.20%APY minus CPI (February 2026) offering 6-month TSC at 5.00% APY, Popular DirectPopular DirectA+5.0 ★Texas Ratio: 2.12%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month CD at 5.00% APY, Massena Savings and LoanMassena Savings and LoanA5.0 ★Texas Ratio: 9.00%Real return: +2.10%APY minus CPI (February 2026) offering 36 Month CD at 4.90% APY, and Morgan Stanley E-TradeMorgan Stanley E-TradeA4.8 ★Texas Ratio: 2.45%Real return: +1.95%APY minus CPI (February 2026) offering 12 Month Certificates of Deposit at 4.75% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Portland is a smaller community with no bank or credit union branches currently in our database. 785 institutions serving the New York area are available to Portland residents, with CD rates as high as 6.00% APY from Cornerstone Community Federal Credit Union. 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 14, 2026

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

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

Portland 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
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month CD
$0
4.30% ▲ 2.24% above New York avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 2.24% above avgNationally 2.09%
Details

Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.15% APYOct 14, 2026: 4.30% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.30%▲ from 4.15%
  • Oct 1, 20264.15%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
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%
3 Month Share Certificates
$500
4.00% ▲ 1.94% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.94% above avgNationally 2.09%
Details

Best Rate; requires Better Rate qualifications with combined balances over $25K; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal

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
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
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
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
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
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
3 Month Share Certificates
$500
3.40% ▲ 1.34% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.34% above avgNationally 2.09%
Details

Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 14, 2026: 4.00% APYOct 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.40%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
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
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 Certificates
$100,000
3.25% ▲ 1.19% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details

Certificates with $100,000 minimum to open and earn APY

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Certificates with minimum to open and earn APY - 3 Month Plus
$25,000
3.10% ▲ 1.04% above New York avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.04% above avgNationally 2.09%
Details

$25,000; Minimum to open $25,000

Rate History
No change since Oct 14, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 14, 2026
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
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 Certificates
$500
3.00% ▲ 0.94% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 14, 2026
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
Fixed Rate Certificates - 3 Month
$500
3.00% ▲ 0.94% above New York avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 14, 2026
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Share Certificate
$0
3.00% ▲ 0.94% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details

Term: 3, 12, 15, 18, or 30-month; Choose Your Term; Additional 10 basis points (.10%) for deposits of $50,000 or more

Rate History
No change since Sep 27, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 27, 2026: 3.00% APYSep 27, 2026Oct 14, 2026
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
3 Month Share Certificates
$500
2.90% ▲ 0.84% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.84% above avgNationally 2.09%
Details

Basic Rate; requires active Checking and Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.00% → 2.90% ▼ 1.10 pts · high 4.00% / low 2.90%
1.80%3.45%5.10%Sep 14, 2026: 4.00% APYOct 14, 2026: 2.90% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20262.90%▼ from 4.00%
  • Sep 14, 20264.00%first recorded
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
Share Certificate 3 month SC
$1,000
2.88% ▲ 0.82% above New York avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.82% above avgNationally 2.09%
Details

Early withdrawal penalty may apply

Rate History
No change since Oct 13, 2026 · 2.88% APY
2.38%2.88%3.38%Oct 13, 2026: 2.88% APYOct 13, 2026Oct 14, 2026
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
3 Month Certificate
$500
2.78% ▲ 0.72% above New York avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.72% above avgNationally 2.09%
Details

Early withdrawal penalty: 3 months worth of dividends (Up to 12 months Certificates)

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
3 Month GU Certificates
$100
2.78% ▲ 0.72% above New York avg
View
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.06%▲ 0.72% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 8 times
2.28%2.78%3.28%Sep 14, 2026: 2.78% APYSep 14, 2026Oct 14, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
3 Month Certificate
$0
2.75% ▲ 0.69% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.69% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 14, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
3 Month Term Share Certificate
$1,000
2.75% ▲ 0.69% above New York avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.69% above avgNationally 2.09%
Details

Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 17, 2026: 2.75% APYSep 17, 2026Oct 14, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
IRA Term Share Certificates - 3 Month
$0
2.75% ▲ 0.69% above New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.69% above avgNationally 2.09%
Details

Account type: IRA Term Share Certificate; Rate column shown as 2.72%; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Metropolitan Bank and Trust Company
Institution Rating:
A+5.0 ★
3 Month Three Month CD
$0
2.63% ▲ 0.57% above New York avg
View
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 0.57% above avgNationally 2.09%
Details

Rate History
1 change since Sep 11, 2026 · 2.32% → 2.63% ▲ 0.31 pts · high 2.63% / low 2.32%
1.82%2.47%3.13%Sep 11, 2026: 2.32% APYSep 24, 2026: 2.63% APYSep 11, 2026Oct 14, 2026
  • Sep 24, 20262.63%▲ from 2.32%
  • Sep 11, 20262.32%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Jumbo Certificate
$0
2.60% ▲ 0.54% above New York avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.54% above avgNationally 2.09%
Details

Jumbo

Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Sep 25, 2026: 2.60% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Traditional/Roth IRA Share Certificate
$0
2.60% ▲ 0.54% above New York avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.54% above avgNationally 2.09%
Details

Balance: $100,000 and above

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 14, 2026
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3 Month Standard Share Certificate
$500
2.60% ▲ 0.54% above New York avg
View
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.54% above avgNationally 2.09%
Details

Rate History
1 change since Sep 25, 2026 · 3.35% → 2.60% ▼ 0.75 pts · high 3.35% / low 2.60%
1.85%2.97%4.10%Sep 25, 2026: 3.35% APYOct 12, 2026: 2.60% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20262.60%▼ from 3.35%
  • Sep 25, 20263.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Business Jumbo Certificate
$0
2.50% ▲ 0.44% above New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.44% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Regular Certificate
$0
2.50% ▲ 0.44% above New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.44% above avgNationally 2.09%
Details

Regular

Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 25, 2026: 2.50% APYSep 25, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Traditional/Roth IRA Share Certificate
$0
2.50% ▲ 0.44% above New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.44% above avgNationally 2.09%
Details

Balance: Under $100,000

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 14, 2026
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3 Month Commercial Share Certificate
$500
2.50% ▲ 0.44% above New York avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.44% above avgNationally 2.09%
Details

Additional Deposits Permitted

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Business Regular Certificate
$0
2.40% ▲ 0.34% above New York avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.34% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 8, 2026: 2.40% APYOct 8, 2026Oct 14, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Certificate
$2,500
2.35% ▲ 0.29% above New York avg
View
▼
Rate2.33%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.29% above avgNationally 2.09%
Details

Account 35; Interest Monthly; Min. $2,500

Rate History
No change since Oct 13, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 13, 2026: 2.35% APYOct 13, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 3 Month
$500
2.27% ▲ 0.21% above New York avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.21% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 3 Month
$500
2.27% ▲ 0.21% above New York avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.21% above avgNationally 2.09%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 8, 2026 · 2.27% APY · checked 2 times
1.77%2.27%2.77%Oct 8, 2026: 2.27% APYOct 8, 2026Oct 14, 2026
Southern Chautauqua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Share Certificate - 3 Months
$250
2.23% ▲ 0.17% above New York avg
View
▼
Rate2.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.17% above avgNationally 2.09%
Details

Penalty for early withdrawal; $250 minimum

Rate History
No change since Sep 17, 2026 · 2.23% APY · checked 2 times
1.73%2.23%2.73%Sep 17, 2026: 2.23% APYSep 17, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3 Month Jumbo Certificate
$0
2.17% ▲ 0.11% above New York avg
View
▼
Rate2.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.11% above avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 2.17% APY
1.67%2.17%2.67%Oct 12, 2026: 2.17% APYOct 12, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
3 Month Certificate
$0
2.02% ▼ 0.04% below New York avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▼ 0.04% below avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 12, 2026: 2.02% APYOct 12, 2026Oct 14, 2026
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
3 Month Business Certificate
$500
2.00% ▼ 0.06% below New York avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.06% below avgNationally 2.09%
Details

Promotional rate; New money required; Days: 90 to 179; Early withdrawal penalty: 90 days dividends

Rate History
No change since Oct 6, 2026 · 2.00% APY · checked 3 times
1.50%2.00%2.50%Oct 6, 2026: 2.00% APYOct 6, 2026Oct 14, 2026
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
3 Month Share Certificates
$500
2.00% ▼ 0.06% below New York avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.06% below avgNationally 2.09%
Details

Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends

Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 30, 2026: 2.00% APYSep 30, 2026Oct 14, 2026

Portland 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
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
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 CD
$0
4.35% ▲ 1.57% above New York avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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
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 14, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details

Share Certificate; APY based on 6 month certificate; must maintain $500 minimum balance to earn advertised rate; early withdrawal penalties apply; certificate auto-renews at maturity; rate accurate as of August 3, 2026

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 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 14, 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
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 14, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details

APY is Annual Percentage Yield. Interest compounded quarterly.

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 Business CD
$2,500
4.10% ▲ 1.32% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details

APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
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 14, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details

Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer

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
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
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
6 Month Super Share & IRA 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
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
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
6 Month Business Term Share Certificates
$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

minimum balance to earn dividends

Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 4, 2026: 4.00% APYOct 4, 2026Oct 14, 2026
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
6 Month IRA 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

minimum balance to earn dividends

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
6 Month 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

minimum balance to earn dividends

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
6 Month Youth 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

minimum balance to earn dividends

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
6 Month Share Certificates
$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

Balance: $1,000.00 & over; Share Certificate Minimum Balance: $1,000.00

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
6 Month Share Certificate
$0
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Dividend Rate: 3.9285%

Rate History
No change since Sep 21, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APYSep 21, 2026Oct 14, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
6-Month Share Certificate
$1,000
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
3.37%3.94%4.50%Sep 14, 2026: 3.87% APYSep 18, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20264.00%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 6 Months
$50
4.00% ▲ 1.22% above New York avg
View
▼
Rate4.00%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Dividends paid monthly

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 9, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
6 Month IRA Share Certificate
$500
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

$500 minimum to open; penalty may apply for early withdrawal

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
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
6 Month Share Certificate
$500
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

$500 minimum to open; penalty may apply for early withdrawal

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
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
6 Month Youth Share Certificate
$100
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

$100 minimum to open; penalty may apply for early withdrawal

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
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
6 Month Term Share Certificate
$0
4.00% ▲ 1.22% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Minimum balance of $500 on 6 month term; dividends compounded and posted monthly; early withdrawal dividend penalties apply

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 14, 2026
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
6 Month Share Certificates
$500
4.00% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

Best Rate; requires Better Rate qualifications with combined balances over $25K; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal

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
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$0
4.00% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details

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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
3.95% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.17% above avgNationally 2.77%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

Rate History
2 changes since Sep 18, 2026 · 4.35% → 3.95% ▼ 0.40 pts · high 4.40% / low 3.95%
3.45%4.18%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYOct 14, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20263.95%▼ from 4.40%
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 months High-Yield CD
$500
3.95% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.17% above avgNationally 2.77%
Details

Early Withdrawal Penalty: Yes

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
6 Month Share Certificate
$500
3.95% ▲ 1.17% above New York avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.17% above avgNationally 2.77%
Details

Rates as of 10/1/2026; Dividends paid monthly

Rate History
1 change since Sep 18, 2026 · 2.75% → 3.95% ▲ 1.20 pts · high 3.95% / low 2.75%
1.55%3.35%5.15%Sep 18, 2026: 2.75% APYOct 1, 2026: 3.95% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.95%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate - 6 months
$500
3.95% ▲ 1.17% above New York avg
View
▼
Rate3.88%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.17% above avgNationally 2.77%
Details

Share & IRA Certificates; Maximum term is 60 months; Dividends declared on the last day of the month; Rates as of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.95% ▲ 1.20 pts · high 3.95% / low 2.75%
1.55%3.35%5.15%Sep 14, 2026: 2.75% APYOct 1, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20263.95%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 6 Month
$500
3.92% ▲ 1.14% above New York avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.14% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 6 Month
$500
3.92% ▲ 1.14% above New York avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.14% above avgNationally 2.77%
Details

Early Withdrawal Penalty: 1 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 14, 2026
Spencerport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Certificate
$500
3.91% ▲ 1.13% above New York avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.13% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.91% ▲ 0.20 pts · high 3.91% / low 3.71%
3.21%3.81%4.41%Sep 14, 2026: 3.71% APYSep 29, 2026: 3.91% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20263.91%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
6 Month Certificate of Deposit
$1,000
3.90% ▲ 1.12% above New York avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.12% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
Share Certificate - 6 Months
$1,000
3.90% ▲ 1.12% above New York avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.12% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 6 months
$0
3.90% ▲ 1.12% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.12% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 14, 2026: 3.85% APYOct 5, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 6 months
$0
3.90% ▲ 1.12% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.12% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 14, 2026: 3.85% APYOct 13, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.90%▲ from 3.85%
  • Sep 14, 20263.85%first recorded

Portland 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
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
$0
4.50% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

3, 6, and 12-month share certificates; APY fixed for initial term; withdrawals subject to early withdrawal penalties; membership eligibility required; Insured by NCUA; APYs current as of 13th October 2026

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
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 14, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details

Special Rate; featured rate from homepage; View all rate specials

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 CD
$0
4.50% ▲ 1.48% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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 Month High-Yield CD
$500
4.40% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

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 14, 2026: 4.40% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%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 14, 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
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 14, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12 Month Business CD
$500
4.30% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details

APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 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 14, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details

Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer

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
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
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Trailblazer - 12 Months
$0
4.25% ▲ 1.23% above New York avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details

Effective Date: 08/01/2025

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%
12 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.23% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 12 Months
$50
4.25% ▲ 1.23% above New York avg
View
▼
Rate4.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
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
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
12 Month Share/IRA Certificate Special
$2,500
4.25% ▲ 1.23% above New York avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details

Minimum: $,2500 new money or open qualifying account; Balance to earn minimum APY: $2,500

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 18, 2026Oct 14, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
Share/IRA Certificate Special - 12 months
$2,500
4.25% ▲ 1.23% above New York avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details

Minimum: $,2500 new money or open qualifying account; Balance to Earn Minimum APY: $2,500

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
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
12 Month Certificate
$0
4.25% ▲ 1.23% above New York avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details

APY is Annual Percentage Yield. Interest compounded quarterly.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYSep 22, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Sep 22, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Certificate
$500
4.15% ▲ 1.13% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.13% above avgNationally 2.99%
Details

Youth Minimum Balance: $50

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% APYOct 12, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 1.08% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12 Month Certificate
$0
4.10% ▲ 1.08% above New York avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 14, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
12 Month IRA Certificate
$0
4.10% ▲ 1.08% above New York avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 7, 2026: 4.10% APYOct 7, 2026Oct 14, 2026
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
Share Certificate - 12 Month
$0
4.10% ▲ 1.08% above New York avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 14, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
1-Year Share Certificate
$1,000
4.10% ▲ 1.08% above New York avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Early withdrawal penalty: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
3.43%4.02%4.60%Sep 14, 2026: 3.93% APYSep 18, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Sep 18, 20264.10%▲ from 3.93%
  • Sep 14, 20263.93%first recorded
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
12 Month Youth Certificate
$50
4.10% ▲ 1.08% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Youth certificate must be opened in a Youth Account with a minimum deposit of $50 to earn APY; deposits capped at $10,000; auto-renews at current market rate if not moved

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 14, 2026
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
Youth 12 Months
$50
4.10% ▲ 1.08% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details

Featured youth certificate; must be opened in a Youth Account with minimum deposit of $50 to earn APY; deposits capped at $10,000; renews at current market rate at maturity if not moved

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 14, 2026
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
1 Year Share Certificate
$0
4.08% ▲ 1.06% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.06% above avgNationally 2.99%
Details

Credit at Maturity; Interest Compounded Daily; Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
3.27%3.93%4.58%Sep 14, 2026: 3.77% APYOct 5, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.08%▲ from 3.77%
  • Sep 14, 20263.77%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 1 Year Certificate
$500
4.08% ▲ 1.06% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.06% above avgNationally 2.99%
Details

Minimum $500 Credit; Quarterly Compound Daily

Rate History
No change since Oct 13, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 13, 2026: 4.08% APYOct 13, 2026Oct 14, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
12-Month Bonus Rate K New Money
$5,000
4.07% ▲ 1.05% above New York avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average3.02%▲ 1.05% above avgNationally 2.99%
Details

$5; You may be eligible for a 0.50% increase on the current Dividend Rate on the 12 Months Share Certificate account if you meet certain eligibility requirements. To be eligible, you must open a 12 Month Share Certificate account or renew an existing 12 Month Share Certificate account in-person at one of our branches, through our Digital Banking platform, or through our mail-in renewal process. You must also deposit a minimum of $5,000 of New Money into the Share Certificate account at the time of opening or renewing. Any funds that you want to deposit in addition to the $5,000 of New Money may come from accounts you currently have with us and those additional funds will earn the stated APY. The account will automatically renew into the 12 Month Share Certificate and will be subject to the Dividend Rate, APY, and other terms and conditions of the 12 Month Share Certificate in effect at the time of renewal unless the account is closed prior to maturity or during the ten (10) day renewal grace period or the eligibility requirements of the 12 Months - $5K New Money at satisfied during the ten (10) day renewal grace period. An early withdrawal penalty will apply if the account is closed prior to maturity. "New Money" is defined as funds that are not on deposit in any MCU account at the time the account with the New Money requirement is opened. The New Money requirement may be satisfied by: (1) making a deposit of New Money directly into an account bearing a New Money requirement; or (2) making a deposit of New Money into a savings or checking account and transferring the New Money into the account bearing the New Money requirement within seven (7) days of the date of deposit. Funds transferred into an account bearing a New Money requirement from any MCU account after seven (7) days from the date of deposit will not be eligible to satisfy the New Money requirement.

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 14, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
12-Month Certificate
$500
4.07% ▲ 1.05% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average3.02%▲ 1.05% above avgNationally 2.99%
Details

New Money promotional rules require funds not currently on deposit with MCU or transferred within seven (7) days.

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 14, 2026
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
Share Certificate - 12 Months
$1,000
4.06% ▲ 1.04% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.04% above avgNationally 2.99%
Details

Compounded/Credited: Quarterly/Quarterly

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
The Heart Center Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
1 Year Jumbo CDs
$0
4.06% ▲ 1.04% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.04% above avgNationally 2.99%
Details

Balance: $100,000.00 minimum; 1 Year Terms

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 14, 2026
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Share Certificate
$0
4.06% ▲ 1.04% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.04% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYOct 5, 2026: 4.06% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.06%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
1 Year IRA Certificate
$0
4.06% ▲ 1.04% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Sep 21, 2026 · 4.06% APY · checked 5 times
3.56%4.06%4.56%Sep 21, 2026: 4.06% APYSep 21, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 1.03% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.03% above avgNationally 2.99%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 12 Months
$500
4.05% ▲ 1.03% above New York avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.03% above avgNationally 2.99%
Details

Minimum deposit of $500 required to open and earn the stated APY; Membership eligibility required; Matures into a 12-month Share Certificate at prevailing rate unless alternate instructions are provided

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificates / IRA Certificates - 12 Months
$500
4.05% ▲ 1.03% above New York avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.03% above avgNationally 2.99%
Details

Minimum deposit of $500 required to open and earn the stated APY; upon maturity rolls into a 12-month Share Certificate at prevailing rate; membership eligibility required

Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 14, 2026
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12 Month Share Certificate
$500
4.05% ▲ 1.03% above New York avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.03% above avgNationally 2.99%
Details

Rates as of 10/1/2026; Dividends paid monthly

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 18, 2026: 3.95% APYOct 1, 2026: 4.05% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.05%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
12-Month Certificate
$500
4.05% ▲ 1.03% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.03% above avgNationally 2.99%
Details

Featured certificate rate; Rates as of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 6, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 6, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate - 12 months
$500
4.05% ▲ 1.03% above New York avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.03% above avgNationally 2.99%
Details

Share & IRA Certificates; Maximum term is 60 months; Dividends declared on the last day of the month; Rates as of 10/1/2026

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.05% ▲ 0.10 pts · high 4.05% / low 3.95%
3.45%4.00%4.55%Sep 14, 2026: 3.95% APYOct 1, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.05%▲ from 3.95%
  • Sep 14, 20263.95%first recorded

Portland 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
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD
$0
4.65% ▲ 1.66% above New York avg
View
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40% ▲ 1.41% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

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
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 14, 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
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
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
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
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 14, 2026
New York Average2.99%▲ 1.26% above avgNationally 2.88%
Details

Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.16% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.16% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.11% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.11% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 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
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
18 Month Share & IRA Share Certificate
$0
4.00% ▲ 1.01% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Oct 8, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 8, 2026: 3.75% APYOct 12, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 8, 20263.75%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
18 Month Super Share & IRA Certificate
$0
4.00% ▲ 1.01% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
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
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month Certificate
$500
4.00% ▲ 1.01% above New York avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Compounded/Credited: Qrtly/Qrtly

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificate - 18 Months
$500
4.00% ▲ 1.01% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

New Deposits Only; Minimum deposit of $500 required to open and earn the stated APY

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
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Certificates / IRA Certificates - 18 Months
$500
4.00% ▲ 1.01% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

New Deposits Only; Minimum deposit of $500 required to open and earn the stated APY

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
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
Share Certificates - 18 Month
$0
4.00% ▲ 1.01% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Sep 29, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Metro Realtors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
18 Month CD for New Member
$0
4.00% ▲ 1.01% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Maximum deposit: $10,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 18 MONTH TERM ACCOUNT
$0
4.00% ▲ 1.01% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Certificate Accounts

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
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
18-Month Special Share Certificate
$0
4.00% ▲ 1.01% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details

Limited time special; cannot be combined with any other offer; auto-renews to a 12-month share certificate at the prevailing rate at end of term; APY fixed for initial term; withdrawals subject to early withdrawal penalties; membership eligibility required; Insured by NCUA; APYs current as of 13th October 2026

Rate History
No change since Oct 10, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
18 Month Jumbo Certificate
$0
3.91% ▲ 0.92% above New York avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
18 Month Certificate
$500
3.90% ▲ 0.91% above New York avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 0.91% above avgNationally 2.88%
Details

Online

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 18 Months
$500
3.90% ▲ 0.91% above New York avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 0.91% above avgNationally 2.88%
Details

Available In-Branch

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month IRA Share Certificate Accounts
$0
3.80% ▲ 0.81% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 0.81% above avgNationally 2.88%
Details

Balance: $100,000 - $250,000; 4-Month Penalty for Early Withdrawal

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80% ▲ 0.81% above New York avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.81% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80% ▲ 0.81% above New York avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.81% above avgNationally 2.88%
Details

Regular APY; Dividend Rate 3.74%

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80% ▲ 0.81% above New York avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.81% above avgNationally 2.88%
Details

Rewards APY; Dividend Rate 3.74%

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80% ▲ 0.81% above New York avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.81% above avgNationally 2.88%
Details

Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 27, 2026: 3.65% APYOct 14, 2026: 3.80% APYSep 27, 2026Oct 14, 2026
  • Oct 14, 20263.80%▲ from 3.65%
  • Sep 27, 20263.65%first recorded
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
3.75% ▲ 0.76% above New York avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.99%▲ 0.76% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 14, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
18 Month Certificate of Deposit
$1,000
3.75% ▲ 0.76% above New York avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 0.76% above avgNationally 2.88%
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
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
18 Month Certificate
$0
3.75% ▲ 0.76% above New York avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 0.76% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 12, 2026: 3.75% APYOct 12, 2026Oct 14, 2026
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
18 Month IRA
$500
3.75% ▲ 0.76% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.76% above avgNationally 2.88%
Details

Traditional & Roth IRA Certificate

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026

Portland 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
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
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month CD
$0
4.70% ▲ 1.74% above New York avg
View
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.74% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 24, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45%
3.95%4.58%5.20%Sep 24, 2026: 4.45% APYOct 1, 2026: 4.65% APYOct 14, 2026: 4.70% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.70%▲ from 4.65%
  • Oct 1, 20264.65%▲ from 4.45%
  • Sep 24, 20264.45%first recorded
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40% ▲ 1.44% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

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
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 14, 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
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
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
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
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 14, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details

APY is Annual Percentage Yield. Interest compounded quarterly.

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
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
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
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
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 14, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details

Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer

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
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%
Business Share Certificates - 24 Month
$100,000
4.15% ▲ 1.19% above New York avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 18, 2026 · 1.90% → 4.15% ▲ 2.25 pts · high 4.15% / low 1.90%
0.00%3.20%6.40%Sep 18, 2026: 1.90% APYOct 10, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.15%▲ from 1.90%
  • Sep 18, 20261.90%first recorded
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$100,000
4.15% ▲ 1.19% above New York avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Balance: $100,000 minimum

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
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Share Certificate
$500
4.15% ▲ 1.19% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Rates as of 10/1/2026; Dividends paid monthly

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 18, 2026: 4.05% APYOct 1, 2026: 4.15% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.15%▲ from 4.05%
  • Sep 18, 20264.05%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 14, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Featured certificate rate; Rates as of 10/1/2026

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 Certificate - 24 months
$500
4.15% ▲ 1.19% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.19% above avgNationally 2.88%
Details

Share & IRA Certificates; Maximum term is 60 months; Dividends declared on the last day of the month; Rates as of 10/1/2026

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 1, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
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
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
24 Month Traditional Share Certificate
$1,000
4.07% ▲ 1.11% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.11% 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
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
24 Month Share & IRA Share Certificate
$0
4.05% ▲ 1.09% above New York avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.09% above avgNationally 2.88%
Details

Rate History
1 change since Oct 8, 2026 · 3.50% → 4.05% ▲ 0.55 pts · high 4.05% / low 3.50%
2.95%3.78%4.60%Oct 8, 2026: 3.50% APYOct 12, 2026: 4.05% APYOct 8, 2026Oct 14, 2026
  • Oct 12, 20264.05%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
Sawyer Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.69%
24 Month Certificate of Deposit
$500
4.00% ▲ 1.04% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 14, 2026
Sawyer Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.69%
Business 24 Month Certificate of Deposit
$0
4.00% ▲ 1.04% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 14, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2 Years (24 Months) Certificate of Deposit
$250
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
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
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2-year IRA TSC
$1,000
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Traditional IRA; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Sep 12, 20263.75%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2-year Roth IRA TSC
$1,000
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Roth IRA term share certificate; Dividend Rate 3.93%; minimum opening deposit $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Sep 12, 20263.75%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2-year TSC
$1,000
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 12, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Sep 12, 20263.75%first recorded
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Trailblazer - 24 Months
$0
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Effective Date: 08/01/2025

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
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
24 Month Certificate
$0
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
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
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 24-Month
$500
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate Type: Fixed

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
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
24 Month Term Account
$0
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Single account; listed under 24-Month Term/IRA Term

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 13, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 24 MONTH TERM ACCOUNT
$0
4.00% ▲ 1.04% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Certificate Accounts; Single account

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 14, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business Share Certificates - 24 Month
$500
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Balance: $500 - $99,999.99

Rate History
1 change since Sep 18, 2026 · 1.90% → 4.00% ▲ 2.10 pts · high 4.00% / low 1.90%
0.00%3.05%6.10%Sep 18, 2026: 1.90% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 1.90%
  • Sep 18, 20261.90%first recorded
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
IRA Certificates - 2 Year
$500
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$500
4.00% ▲ 1.04% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.04% above avgNationally 2.88%
Details

Balance: $500 minimum

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
Neighborhood Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
24-Month Certificate
$0
3.97% ▲ 1.01% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.01% above avgNationally 2.88%
Details

Promotional banner: earn up to 3.97% APY on 24-month certificate; membership eligibility required; rates subject to change

Rate History
No change since Sep 17, 2026 · 3.97% APY · checked 7 times
3.47%3.97%4.47%Sep 17, 2026: 3.97% APYSep 17, 2026Oct 14, 2026

Portland 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
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 CD
$0
4.85% ▲ 2.08% above New York avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 2.08% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
4.00%4.68%5.35%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.80% APYOct 14, 2026: 4.85% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.85%▲ from 4.80%
  • Oct 1, 20264.80%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
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
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40% ▲ 1.63% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

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
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 14, 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 Share Certificate
$500
4.35% ▲ 1.58% above New York avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details

Rates as of 10/1/2026; Dividends paid monthly

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 18, 2026: 4.05% APYOct 1, 2026: 4.35% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20264.35%▲ from 4.05%
  • Sep 18, 20264.05%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 14, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details

Featured certificate rate; Rates as of 10/1/2026

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 Certificate - 36 months
$500
4.35% ▲ 1.58% above New York avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details

Share & IRA Certificates; Maximum term is 60 months; Dividends declared on the last day of the month; Rates as of 10/1/2026

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 1, 2026: 4.35% APYSep 14, 2026Oct 14, 2026
  • Oct 1, 20264.35%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
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
$0
4.15% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.38% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 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
$0
4.10% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 2026
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
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%
Business Certificate Accounts - 36-Month
$500
4.00% ▲ 1.23% above New York avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Accounts - 36-Month
$500
4.00% ▲ 1.23% above New York avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
3.98% ▲ 1.21% above New York avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.21% above avgNationally 2.81%
Details

Early withdrawal penalty: 9 Months Dividends

Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 8 times
3.48%3.98%4.48%Sep 14, 2026: 3.98% APYSep 14, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month Jumbo Certificate
$0
3.96% ▲ 1.19% above New York avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.19% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 12, 2026: 3.96% APYOct 12, 2026Oct 14, 2026
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 month IRA certificate jumbo
$0
3.96% ▲ 1.19% above New York avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.19% above avgNationally 2.81%
Details

IRA certificate; Jumbo Share Certificate ($100,000 or more); Early withdrawal penalty may be imposed; Rates subject to change without notice

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 14, 2026: 3.80% APYOct 13, 2026: 3.96% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.96%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit - 36 Month
$0
3.95% ▲ 1.18% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.18% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 5, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Year IRA Share Certificate Accounts
$0
3.93% ▲ 1.16% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.16% above avgNationally 2.81%
Details

Balance: $100,000 - $250,000; 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
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
36-month IRA Share Certificate
$0
3.82% ▲ 1.05% above New York avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.77%▲ 1.05% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
36-Month Share Certificate
$500
3.82% ▲ 1.05% above New York avg
View
▼
Rate3.82%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.77%▲ 1.05% above avgNationally 2.81%
Details

The 36-Month Share Certificate Account is a fixed rate account and the rate may change after the account is opened. A penalty may be imposed for early withdrawals. Upon maturity, the 36 Month Share Certificate will roll over into a 36-month Share Certificate.

Rate History
No change since Sep 29, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 29, 2026: 3.82% APYSep 29, 2026Oct 14, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Year IRA Share Certificate Accounts
$0
3.80% ▲ 1.03% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.03% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
36 Month Certificate
$0
3.80% ▲ 1.03% above New York avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Ed-Med Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.14%
36 Month Term Share Certificates
$1,000
3.80% ▲ 1.03% above New York avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.03% above avgNationally 2.81%
Details

Minimum Deposit is $1,000 for all certificates

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
IRA Certificate - 36 Months
$1,000
3.80% ▲ 1.03% above New York avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.03% above avgNationally 2.81%
Details

IRA Certificates; Certificate dividends are compounded daily and posted quarterly; penalty may be imposed for early withdrawals

Rate History
No change since Oct 6, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 6, 2026: 3.80% APYOct 6, 2026Oct 14, 2026
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3 Year IRA Certificate
$500
3.77% ▲ 1.00% above New York avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.00% above avgNationally 2.81%
Details

Dividends credited semi-annually

Rate History
1 change since Sep 25, 2026 · 3.32% → 3.77% ▲ 0.45 pts · high 3.77% / low 3.32%
2.82%3.55%4.27%Sep 25, 2026: 3.32% APYOct 4, 2026: 3.77% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.77%▲ from 3.32%
  • Sep 25, 20263.32%first recorded
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
3 Year IRA Certificate
$500
3.75% ▲ 0.98% above New York avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 16, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 16, 2026: 3.75% APYSep 16, 2026Oct 14, 2026
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
36 Month Certificate
$500
3.75% ▲ 0.98% above New York avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 0.98% above avgNationally 2.81%
Details

Compounded/Credited: Qrtly/Qrtly

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 14, 2026
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 Month Certificate
$0
3.75% ▲ 0.98% above New York avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.98% above avgNationally 2.81%
Details

Early withdrawal penalty may be imposed; Rates subject to change without notice

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 month IRA certificate
$0
3.75% ▲ 0.98% above New York avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.98% above avgNationally 2.81%
Details

IRA certificate; Early withdrawal penalty may be imposed; Rates subject to change without notice

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Sep 14, 2026: 3.60% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 36-Month
$500
3.75% ▲ 0.98% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.98% above avgNationally 2.81%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
36 Month Term Share Certificate
$1,000
3.75% ▲ 0.98% above New York avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.98% above avgNationally 2.81%
Details

Dividends compounded and posted monthly; early withdrawal dividend penalties apply

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
IRA Term Share Certificates - 36 Month
$0
3.75% ▲ 0.98% above New York avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.98% above avgNationally 2.81%
Details

Account Type: Traditional, Roth and Educational; dividends compounded and posted monthly; early withdrawal penalties apply; minimum balance of $1,000 or $500 on education IRAs

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026

Portland 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
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month CD
$0
4.95% ▲ 2.26% above New York avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 2.26% above avgNationally 2.80%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
4.00%4.73%5.45%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.85% APYOct 14, 2026: 4.95% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20264.95%▲ from 4.85%
  • Oct 1, 20264.85%▲ from 4.50%
  • Sep 24, 20264.50%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
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 Year High-Yield CD
$500
4.40% ▲ 1.71% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

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
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 14, 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
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
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
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
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%
Business Certificate Accounts - 48-Month
$500
4.05% ▲ 1.36% above New York avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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%
Certificate Accounts - 48-Month
$500
4.05% ▲ 1.36% above New York avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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 Accounts
$0
3.92% ▲ 1.23% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.23% above avgNationally 2.80%
Details

With step up option; Certificates over $50,000: Add 10 basis points (0.10%) [includes Trad, Education & Roth IRA]

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 6 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 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 14, 2026
New York Average2.69%▲ 1.23% above avgNationally 2.80%
Details

Featured; Step-up option available on 36 - 60-month certificates; Additional 10 basis points (.10%) for deposits of $50,000 or more

Rate History
No change since Oct 1, 2026 · 3.92% APY · checked 4 times
3.42%3.92%4.42%Oct 1, 2026: 3.92% APYOct 1, 2026Oct 14, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
48 Month Certificate
$0
3.85% ▲ 1.16% above New York avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.16% above avgNationally 2.80%
Details

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
4 Year KIDS Account Certificate
$0
3.85% ▲ 1.16% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.69%▲ 1.16% above avgNationally 2.80%
Details

JUMBO Minimum Balance: $50,000

Rate History
1 change since Sep 21, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 21, 2026: 3.75% APYSep 29, 2026: 3.85% APYSep 21, 2026Oct 14, 2026
  • Sep 29, 20263.85%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Share & IRA Certificate - 48 Months
$0
3.82% ▲ 1.13% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.13% above avgNationally 2.80%
Details

Rates effective 10/1/2026; Nominal Rate 3.75%

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.82% ▲ 0.26 pts · high 3.82% / low 3.56%
3.06%3.69%4.32%Sep 14, 2026: 3.56% APYOct 13, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.82%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
4 Year IRA Share Certificate Accounts
$0
3.80% ▲ 1.11% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.11% above avgNationally 2.80%
Details

Balance: $1,000 - $49,999.99; 9-Month Penalty for Early Withdrawal

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
48 Month Standard Share Certificate
$500
3.75% ▲ 1.06% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 25, 2026: 3.35% APYOct 12, 2026: 3.75% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20263.75%▲ from 3.35%
  • Sep 25, 20263.35%first recorded
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
48 Month Share Certificate
$0
3.75% ▲ 1.06% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Regular IRA and Roth IRA 48 Month Share Certificate
$0
3.75% ▲ 1.06% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 14, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 48-Month
$500
3.75% ▲ 1.06% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
48 Month Term Share Certificate
$1,000
3.75% ▲ 1.06% above New York avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details

Dividends compounded and posted monthly; early withdrawal dividend penalties apply

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
IRA Term Share Certificates - 48 Month
$0
3.75% ▲ 1.06% above New York avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.06% above avgNationally 2.80%
Details

Account Type: Traditional, Roth and Educational; dividends compounded and posted monthly; early withdrawal penalties apply; minimum balance of $1,000 or $500 on education IRAs

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4 Year IRA, Roth IRA Certificates - w/ELR
$1,000
3.65% ▲ 0.96% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.96% above avgNationally 2.80%
Details

Up to 3.65% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 14, 2026
Great Meadow Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.42%
Shared Certificates - 48 Month
$0
3.60% ▲ 0.91% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.91% above avgNationally 2.80%
Details

Shared Certificate; APY* Annual Percentage Yield; see Qualification for Rates (^)

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 48 months
$0
3.60% ▲ 0.91% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.91% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 48 months
$0
3.60% ▲ 0.91% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.91% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA - 48 months
$0
3.60% ▲ 0.91% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.91% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
48 Month Certificates
$100,000
3.60% ▲ 0.91% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 0.91% above avgNationally 2.80%
Details

Certificates with $100,000 minimum to open and earn APY

Rate History
No change since Oct 14, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 14, 2026
Lufthansa Employee Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
Certificate Account - 48 Month
$0
3.56% ▲ 0.87% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.87% above avgNationally 2.80%
Details

Interest Compounded Monthly

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.56% ▲ 0.56 pts · high 3.56% / low 3.00%
2.44%3.28%4.12%Sep 14, 2026: 3.00% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.56%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
4 Year Certificate
$0
3.55% ▲ 0.86% above New York avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 0.86% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 14, 2026
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
48 Month Certificate
$0
3.55% ▲ 0.86% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.69%▲ 0.86% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Roth IRA - 4-year
$1,000
3.50% ▲ 0.81% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 0.81% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026

Portland 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
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month CD
$0
5.00% ▲ 2.12% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 2.12% above avgNationally 2.91%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.95% APYOct 14, 2026: 5.00% APYSep 24, 2026Oct 14, 2026
  • Oct 14, 20265.00%▲ from 4.95%
  • Oct 1, 20264.95%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
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
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details

Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply

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
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 14, 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
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
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
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%
Business Certificate Accounts - 60-Month
$500
4.10% ▲ 1.22% above New York avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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%
Certificate Accounts - 60-Month
$500
4.10% ▲ 1.22% above New York avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 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
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Relationship CD
$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

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
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
60 Month Standard Share Certificate
$500
4.00% ▲ 1.12% above New York avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.12% above avgNationally 2.91%
Details

Rate History
1 change since Sep 25, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
2.70%3.68%4.65%Sep 25, 2026: 3.35% APYOct 8, 2026: 4.00% APYSep 25, 2026Oct 14, 2026
  • Oct 8, 20264.00%▲ from 3.35%
  • Sep 25, 20263.35%first recorded
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit - 60 Month
$0
4.00% ▲ 1.12% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.12% above avgNationally 2.91%
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
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
60 Month Certificate
$0
3.95% ▲ 1.07% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.07% above avgNationally 2.91%
Details

Rate History
No change since Oct 12, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 12, 2026: 3.95% APYOct 12, 2026Oct 14, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
5 Year IRA Share Certificate Accounts
$0
3.93% ▲ 1.05% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.05% above avgNationally 2.91%
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
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 60 Month
$500
3.92% ▲ 1.04% above New York avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.04% above avgNationally 2.91%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 8 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 14, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 60 Month
$500
3.92% ▲ 1.04% above New York avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.04% above avgNationally 2.91%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 1.02% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.02% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.97% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 0.97% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
SeaComm Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
5 Year IRA, Roth IRA Certificates - w/ELR
$1,000
3.85% ▲ 0.97% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.97% above avgNationally 2.91%
Details

Up to 3.85% with Enhanced Loyalty Rewards (w/ELR)

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 14, 2026
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
IRA Certificate - 60 Months
$1,000
3.85% ▲ 0.97% above New York avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 0.97% above avgNationally 2.91%
Details

IRA Certificates; Certificate dividends are compounded daily and posted quarterly; penalty may be imposed for early withdrawals

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 14, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
5 Year IRA Share Certificate Accounts
$0
3.80% ▲ 0.92% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 0.92% above avgNationally 2.91%
Details

Balance: $1,000 - $49,999.99; 9-Month Penalty for Early Withdrawal

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
5 Year Certificate of Deposit
$1,000
3.80% ▲ 0.92% above New York avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.92% above avgNationally 2.91%
Details

CDs $1,000 to $25,000 (IRA or Non-IRA); APR 3rd QTR 2026; APY 3rd QTR 2026

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 14, 2026
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Share Certificates - 60 Months
$500
3.80% ▲ 0.92% above New York avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 0.92% above avgNationally 2.91%
Details

Certificate dividends are compounded daily and posted quarterly

Rate History
No change since Oct 6, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 6, 2026: 3.80% APYOct 6, 2026Oct 14, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 60-Month
$500
3.75% ▲ 0.87% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.87% above avgNationally 2.91%
Details

Rate Type: Fixed

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
60 Month Term Share Certificate
$1,000
3.75% ▲ 0.87% above New York avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.87% above avgNationally 2.91%
Details

Dividends compounded and posted monthly; early withdrawal dividend penalties apply

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
IRA Term Share Certificates - 60 Month
$0
3.75% ▲ 0.87% above New York avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.87% above avgNationally 2.91%
Details

Account Type: Traditional, Roth and Educational; dividends compounded and posted monthly; early withdrawal penalties apply; minimum balance of $1,000 or $500 on education IRAs

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
GREATER CHAUTAUQUA
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
60 Month Share Certificates
$500
3.75% ▲ 0.87% above New York avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 0.87% above avgNationally 2.91%
Details

Dividends compounded daily and posted quarterly; early withdrawal penalty may apply

Rate History
5 changes since Sep 14, 2026 · 3.80% → 3.75% ▼ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 14, 2026: 3.80% APYSep 18, 2026: 3.80% APYSep 22, 2026: 3.80% APYSep 27, 2026: 3.80% APYOct 1, 2026: 3.80% APYOct 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.75%▼ from 3.80%
  • Oct 1, 20263.80%▼ from 3.80%
  • Sep 27, 20263.80%▼ from 3.80%
  • Sep 22, 20263.80%▼ from 3.80%
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
5 Year Certificate
$0
3.60% ▲ 0.72% above New York avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 0.72% above avgNationally 2.91%
Details

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 14, 2026
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
Term Share Certificate - 60 Months
$1,000
3.60% ▲ 0.72% above New York avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 0.72% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 8, 2026: 3.60% APYOct 8, 2026Oct 14, 2026
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
Certificates - 60 months
$0
3.60% ▲ 0.72% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.72% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
HSA Certificates - 60 months
$0
3.60% ▲ 0.72% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.72% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.55% APYOct 13, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
  • Oct 13, 20263.60%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
IRA - 60 months
$0
3.60% ▲ 0.72% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.72% above avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
60 Month Certificates
$100,000
3.60% ▲ 0.72% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 0.72% above avgNationally 2.91%
Details

Certificates with $100,000 minimum to open and earn APY

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 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 Portland, New York Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Popular Direct
60 Month CD
A+ 5.0 ★ TX: 2.12%
Min: $0
5.00%
Massena Savings and Loan
36 Month CD
A 5.0 ★ TX: 9.00%
Min: $0
4.90%
Morgan Stanley E-Trade
12 Month Certificates of Deposit
A 4.8 ★ TX: 2.45%
Min: $0
4.75%
Global Bank
2 Year Certificate of Deposit
D 3.4 ★ TX: 33.77%
Min: $1,000
4.55%
Marcus Bank
12 Month High-Yield CD
A+ 5.0 ★ TX: 4.32%
Min: $500
4.40%
CU Top 5 Credit Union Rates
Cornerstone Community Federal Credit Union
6 Month Youth Share Certificate
B+ 4.8 ★ TX: 17.18%
Min: $0
6.00%
Syracuse Fire Department Employees Federal Credit Union
6-month TSC
A+ 5.0 ★ TX: 3.25%
Min: $1,000
5.00%
Consumers Federal Credit Union
1 Year Certificate
A+ 5.0 ★ TX: 0.55%
Min: $500
4.58%
Kinecta Federal Credit Union
18-Month Promo Certificate
A+ 5.0 ★ TX: 3.82%
Min: $100,000
4.50%
Pittsford Federal Credit Union
Certificate - 36 Months
A+ 5.0 ★ TX: 3.02%
Min: $50
4.50%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Portland, NY CD Rate Trends

Compare local Portland, 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 14, 2026.
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Sample CD Ladder for Portland, 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 Portland, New York
27 Banks 118 Credit Unions

About Our Portland, New York CD Rate Database

MonitorBankRates tracks 2,253 CD rates from 27 banks and 118 credit unions with locations in Portland, 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: Cornerstone Community Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Portland, New York.

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

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

To find the best APYs in Portland, New York, start with credit unions and online-only banks: Portland, New York has 118 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 Portland, 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 Portland, New York: 145 institutions here report CD rates

Consider an Alternative If…

New York Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$50,891
National avg: $47,340
Poverty Rate
14.0%
National avg: 11.1%
Unemployment Rate
6.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$154/yr
At NY 12-mo avg 3.025% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 3.025%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $154 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 Portland, 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 Portland, 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 Portland, 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 Portland, New York as everywhere in the U.S.

Choosing a CD Term in Portland, 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 Portland, New York savers easier access to their funds. For example, Cornerstone Community Federal Credit Union is offering its 6 Month Youth Share Certificate at 6.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Popular Direct is offering its 60 Month CD at 5.00% 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 Portland, 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 Portland, 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 Portland, 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 Portland, 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 Portland, New York

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

Are CD rates in Portland, New York FDIC insured?

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

Here are recent top rates found for this area:
  • Cornerstone Community Federal Credit Union: 6.00% APY (6 Month Youth Share Certificate)
  • Syracuse Fire Department Employees Federal Credit Union: 5.00% APY (6-month TSC)
  • Popular Direct: 5.00% APY (60 Month CD)
  • Massena Savings and Loan: 4.90% APY (36 Month CD)
  • Morgan Stanley E-Trade: 4.75% APY (12 Month Certificates of Deposit)
  • Consumers Federal Credit Union: 4.58% APY (1 Year Certificate)
  • Global Bank: 4.55% APY (2 Year Certificate of Deposit)
  • Kinecta Federal Credit Union: 4.50% APY (18-Month Promo Certificate)
  • Pittsford Federal Credit Union: 4.50% APY (Certificate - 36 Months)
  • SECNY Federal Credit Union: 4.50% APY (6 Month Certificate)
Rates reflect recent verified offers available in Portland, New York. Last Updated: October 14, 2026

Portland, 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 Portland, 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 Portland, New York CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Portland, 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 Portland, New York

Portland, New York CD Calculator

At today’s NY top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.

Portland, 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 Portland, New York CD at 6.00% 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 Portland, 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 Portland, 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 Portland, 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 14, 2026

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