Syracuse, New York Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Syracuse, New York CD rates range from 0.80% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Syracuse, New York CD rates include Syracuse Fire Department Employees Federal Credit UnionSyracuse Fire Department Employees Federal Credit Union211 Wilkinson St, Syracuse, NY 13204A+5.0 ★Texas Ratio: 3.25%Real return: +2.20%APY minus CPI (February 2026) offering 6-month TSC at 5.00% APY, SECNY Federal Credit UnionSECNY Federal Credit Union4727 W Seneca Tpke, Syracuse, NY 13215 2119A5.0 ★Texas Ratio: 6.03%Real return: +1.70%APY minus CPI (February 2026) offering 6 Month Certificate at 4.50% APY, AmeriCU Credit UnionAmeriCU Credit Union200 Walton St, Syracuse, NY 13202 1227A-5.0 ★Texas Ratio: 14.76%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Share Certificates at 4.50% APY, Pathfinder BankPathfinder Bank109 W Fayette St, Syracuse, NY 13202C-3.6 ★Texas Ratio: 31.30%Real return: +1.35%APY minus CPI (February 2026) offering 18 Month CD Special with Active Account at 4.15% APY, and The Summit Federal Credit UnionThe Summit Federal Credit Union1400 ERIE BLVD E, SYRACUSE, NY 13210A+5.0 ★Texas Ratio: 2.28%Real return: +1.35%APY minus CPI (February 2026) offering 12 Month Certificate at 4.15% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.
Syracuse has 192 local institutions in our database, with CD rates as high as 5.00% APY from Syracuse Fire Department Employees Federal Credit Union at 211 Wilkinson St, Syracuse, NY 13204. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New York area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026
Compare Best CD Rates in Syracuse, New York & the Surrounding Area
Syracuse 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
200 Walton St, Syracuse, NY 13202 1227
3 Month Share Certificates
$50
4.50%
▲ 2.44% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 2.44% above avgNationally 2.09%
Details
Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 3 Months
$0
3.92%
▲ 1.86% above New York avg
▼
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
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1400 ERIE BLVD E, SYRACUSE, NY 13210
90 Day Certificate
$500
3.25%
▲ 1.19% above New York avg
▼
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
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
500 Erie Blvd E, Syracuse, NY 13202 1903
Share Certificate - 3-Month
$500
3.25%
▲ 1.19% above New York avg
▼
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%
- Oct 5, 20263.25%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
3 Month Certificate
$500
3.00%
▲ 0.94% above New York avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Rate History
No change since Oct 10, 2026 · 3.00% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
3 Month Certificate
$2,500
2.35%
▲ 0.29% above New York avg
▼
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
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 3 Month
$0
1.70%
▼ 0.36% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▼ 0.36% below avgNationally 2.09%
Details
Balance: $245,000 tier
Rate History
No change since Oct 13, 2026 · 1.70% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 3 Month
$0
1.65%
▼ 0.41% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▼ 0.41% below avgNationally 2.09%
Details
Balance: $100,000 tier
Rate History
No change since Oct 13, 2026 · 1.65% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 3 Month
$0
1.55%
▼ 0.51% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▼ 0.51% below avgNationally 2.09%
Details
Balance: $50,000 tier
Rate History
No change since Oct 13, 2026 · 1.55% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 3 Month
$0
1.50%
▼ 0.56% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▼ 0.56% below avgNationally 2.09%
Details
Balance: $4,000 tier
Rate History
No change since Oct 13, 2026 · 1.50% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Certificate
$0
4.30%
▲ 2.24% above New York avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 2.24% above avgNationally 2.09%
Details
Rate History
No change since Oct 6, 2026 · 4.30% APY · checked 2 times
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
3 Month Certificate of Deposits
$100,000
4.10%
▲ 2.04% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 2.04% above avgNationally 2.09%
Details
Minimum $100,000 required to open an account.
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 4 times
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
▼
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
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
▼
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
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
Share Certificates - 3 Months
$0
4.00%
▲ 1.94% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 1.94% above avgNationally 2.09%
Details
Balance: $10,000+; Basic*: 2.90% APY; Better**: 3.40% APY; Best***: 4.00% APY; ****: $10,000+
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.74% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.74% above avgNationally 2.09%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 7 times
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3-Month CD Special
$500
3.80%
▲ 1.74% above New York avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.74% above avgNationally 2.09%
Details
Additional terms and conditions apply. Annual Percentage Yield (APY) is accurate as of February 18, 2026. Minimum opening deposit is $500; maximum deposit is $1,000,000. Offer good for a limited time only and may be withdrawn at any time without notice. Rates subject to change without notice. A penalty will be imposed for early withdrawal. Fees may reduce earnings. The minimum balance to obtain the APY is $500. The Annual Percentage Yield (APY) assumes principal and interest will remain on deposit until maturity. CD special is available at any Adirondack Trust Company retail branch location.
Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 5 times
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
3 Month Certificate
$0
3.75%
▲ 1.69% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificate
$0
3.75%
▲ 1.69% above New York avg
▼
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
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month IRA Certificate
$0
3.75%
▲ 1.69% above New York avg
▼
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
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
▼
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
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
▼
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
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70%
▲ 1.64% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 months up to 6 (Apply Online)
$10,000
3.70%
▲ 1.64% above New York avg
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
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
▼
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
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate
$0
3.65%
▲ 1.59% above New York avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.59% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
- Oct 7, 20263.65%▼ from 4.50%
- Sep 14, 20264.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
3 Month Share Certificate
$0
3.61%
▲ 1.55% above New York avg
▼
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
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CD
$0
3.60%
▲ 1.54% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.54% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.49% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.49% above avgNationally 2.09%
Details
Earn 3.55% APY on balances of $500 or more.
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 6 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.44% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
3 Month Star Relationship CD
$500
3.50%
▲ 1.44% above New York avg
▼
Rate3.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.44% above avgNationally 2.09%
Details
Early Withdrawal Penalties May Apply; Rates are subject to change at any time
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40%
▲ 1.34% above New York avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 1.34% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
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
▼
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%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
Bank of Baroda
Institution Rating:
A+5.0 ★
3 Month Certificates of Deposit
$0
3.30%
▲ 1.24% above New York avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 3, 2026
New York Average2.06%▲ 1.24% above avgNationally 2.09%
Details
Term: 3 Months and above to less than 6 Months
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 3 times
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
▼
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
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Plus Certificate
$100,000
3.25%
▲ 1.19% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Sep 18, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Plus Certificate
$25,000
3.10%
▲ 1.04% above New York avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 1.04% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Sep 18, 20263.10%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
Certificate Shares - 3 months
$0
3.04%
▲ 0.98% above New York avg
▼
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
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
▼
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
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
3 Month Certificate of Deposit (CD)
$500
3.00%
▲ 0.94% above New York avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Early Withdrawal Penalties May Apply; Rates are subject to change at any time
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$2,500
3.00%
▲ 0.94% above New York avg
▼
Rate2.96%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Rate History
No change since Sep 9, 2026 · 3.00% APY · checked 2 times
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
▼
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
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
▼
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
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
▼
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
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Plus Certificate
$0
3.00%
▲ 0.94% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3, 12, 15, 18, or 3 Month SHARE CERTIFICATE
$0
3.00%
▲ 0.94% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Term: 3, 12, 15, 18, or 30-MONTH
Rate History
No change since Oct 6, 2026 · 3.00% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3 Month Certificate
$0
2.94%
▲ 0.88% above New York avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.06%▲ 0.88% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
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
▼
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
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
▼
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
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
▼
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
Syracuse 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
6-month TSC
$1,000
5.00%
▲ 2.22% above New York avg
▼
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%
- 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%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
6 Month Certificate
$1,000
4.50%
▲ 1.72% above New York avg
▼
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
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.72% above New York avg
▼
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
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate - 6 Month
$0
4.50%
▲ 1.72% above New York avg
▼
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
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.72% above New York avg
▼
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
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
200 Walton St, Syracuse, NY 13202 1227
6 Month Share Certificates
$50
4.50%
▲ 1.72% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details
Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 6 Months
$0
4.15%
▲ 1.37% above New York avg
▼
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%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 6 Months
$0
4.10%
▲ 1.32% above New York avg
▼
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%
- Oct 5, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
6 Month Certificate of Deposit Special
$0
4.00%
▲ 1.22% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 7 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1400 ERIE BLVD E, SYRACUSE, NY 13210
6 Month Certificate
$500
3.75%
▲ 0.97% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 0.97% above avgNationally 2.77%
Details
Youth Minimum Balance: $50
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
- Oct 12, 20263.75%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
6 Month CD Special with Active Account
$0
3.70%
▲ 0.92% above New York avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 0.92% above avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 8, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
- Sep 18, 20263.70%▲ from 3.60%
- Sep 8, 20263.60%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
6 Month CD Special with Active Account
$0
3.60%
▲ 0.82% above New York avg
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 0.82% above avgNationally 2.77%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 8, 2026 · 3.60% APY · checked 8 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
6 Month Certificate
$500
3.60%
▲ 0.82% above New York avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 0.82% above avgNationally 2.77%
Details
Rate History
No change since Oct 10, 2026 · 3.60% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
6 Month IRA
$500
3.60%
▲ 0.82% above New York avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 0.82% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
6 Month CD Special without Active Account
$0
3.25%
▲ 0.47% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 0.47% above avgNationally 2.77%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 8, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Sep 18, 20263.25%▲ from 3.00%
- Sep 8, 20263.00%first recorded
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
500 Erie Blvd E, Syracuse, NY 13202 1903
Share Certificate - 6-Month
$500
3.25%
▲ 0.47% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 0.47% above avgNationally 2.77%
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%
- Oct 5, 20263.25%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
6 Month CD Special without Active Account
$0
3.00%
▲ 0.22% above New York avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 0.22% above avgNationally 2.77%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 8, 2026 · 3.00% APY · checked 8 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 6 Month
$0
1.75%
▼ 1.03% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▼ 1.03% below avgNationally 2.77%
Details
Balance: $245,000 tier
Rate History
No change since Oct 13, 2026 · 1.75% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 6 Month
$0
1.70%
▼ 1.08% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▼ 1.08% below avgNationally 2.77%
Details
Balance: $100,000 tier
Rate History
No change since Oct 13, 2026 · 1.70% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 6 Month
$0
1.60%
▼ 1.18% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▼ 1.18% below avgNationally 2.77%
Details
Balance: $50,000 tier
Rate History
No change since Oct 13, 2026 · 1.60% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 6 Month
$0
1.55%
▼ 1.23% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▼ 1.23% below avgNationally 2.77%
Details
Balance: $4,000 tier
Rate History
No change since Oct 13, 2026 · 1.55% APY
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
211 Tompkins St, Syracuse, NY 13204
6 Month Share Certificates
$500
1.51%
▼ 1.27% below New York avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▼ 1.27% below avgNationally 2.77%
Details
Rate History
No change since Oct 12, 2026 · 1.51% APY
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY 13202
6 Month Certificate
$500
1.50%
▼ 1.28% below New York avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▼ 1.28% below avgNationally 2.77%
Details
Fixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 5 times
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
6 Month CD
$0
1.30%
▼ 1.48% below New York avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.78%▼ 1.48% below avgNationally 2.77%
Details
Rate History
No change since Sep 19, 2026 · 1.30% APY · checked 7 times
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
▼
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
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
6 Month High-Yield CD
$500
4.40%
▲ 1.62% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details
10-Day CD Rate Guarantee
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
6 Month Certificate of Deposit
$1,000
4.40%
▲ 1.62% above New York avg
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Certificate
$0
4.35%
▲ 1.57% above New York avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.57% above avgNationally 2.77%
Details
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-month CD
$10,000
4.35%
▲ 1.57% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.57% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month 360 CDs
$0
4.30%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.52% above avgNationally 2.77%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
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
▼
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%
- 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 Commercial Share Certificate
$500
4.25%
▲ 1.47% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Certificate
$500
4.25%
▲ 1.47% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details
Additional deposits are not allowed. Certificate will automatically renew at the time of maturity. Sunmark will provide 30 days notice prior to the maturity date. If you do not contact Sunmark on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Rate is accurate as of August 3, 2026. Speak with a Sunmark representative for current rate information as well as applicable fees and terms. Rates subject to change.
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 5 times
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
▼
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
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
▼
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
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
▼
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
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
6 Month Certificate of Deposits
$100,000
4.15%
▲ 1.37% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details
Minimum $100,000 required to open an account.
Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 4 times
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Month Certificate
$500
4.15%
▲ 1.37% above New York avg
▼
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
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
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 22, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10%
▲ 1.32% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05%
▲ 1.27% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.27% above avgNationally 2.77%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05%
▲ 1.27% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.27% above avgNationally 2.77%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00%
▲ 1.22% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00%
▲ 1.22% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month CD
$2,500
4.00%
▲ 1.22% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate
$0
4.00%
▲ 1.22% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
6 months up to 1 year (Apply Online)
$1,000
4.00%
▲ 1.22% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
Syracuse 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
1-year IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
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%
- 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%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth Conversion IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
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%
- 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%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
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%
- 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%
211 Wilkinson St, Syracuse, NY 13204
1-year TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
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%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
200 Walton St, Syracuse, NY 13202 1227
12 Month Share Certificates
$50
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1400 ERIE BLVD E, SYRACUSE, NY 13210
12 Month Certificate
$500
4.15%
▲ 1.13% above New York avg
▼
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%
- Oct 12, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
4800 S Salina St, Syracuse, NY 13205
IRA & ESA Certificate - 12 Months
$0
4.00%
▲ 0.98% above New York avg
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Traditional & Roth IRA minimum balance $1,000; Coverdell ESA minimum balance $500; Penalty may apply for early withdrawal; Rates effective as of 8/18/26
Rate History
No change since Oct 12, 2026 · 4.00% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
12 Month Certificate
$1,000
4.00%
▲ 0.98% above New York avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Account 32; Interest Monthly; Min. $1,000
Rate History
No change since Oct 13, 2026 · 4.00% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 12 Month
$500
4.00%
▲ 0.98% above New York avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Code 83; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.00% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate - 12 Month
$0
4.00%
▲ 0.98% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Interest paid monthly; JUMBO; account code 52
Rate History
No change since Oct 13, 2026 · 4.00% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificates - 12 Month
$500
4.00%
▲ 0.98% above New York avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.00% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
12 Month Certificate
$500
4.00%
▲ 0.98% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
12 Month IRA
$500
4.00%
▲ 0.98% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
12 Month CD Special with Active Account
$0
3.85%
▲ 0.83% above New York avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.83% above avgNationally 2.99%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 8, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
- Sep 18, 20263.85%▲ from 3.75%
- Sep 8, 20263.75%first recorded
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
12 Month Certificates of Deposit (CDs)
$0
3.80%
▲ 0.78% above New York avg
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.78% above avgNationally 2.99%
Details
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 2, 20263.80%▲ from 3.65%
- Sep 19, 20263.65%first recorded
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
12 Month IRA Certificate of Deposit
$0
3.80%
▲ 0.78% above New York avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.78% above avgNationally 2.99%
Details
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
12 Month CD Special with Active Account
$0
3.75%
▲ 0.73% above New York avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 8, 2026 · 3.75% APY · checked 8 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
12 Month Add-on
$100
3.75%
▲ 0.73% above New York avg
▼
Rate3.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Rate History
No change since Oct 10, 2026 · 3.75% APY
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
500 Erie Blvd E, Syracuse, NY 13202 1903
Share Certificate - 12-Month
$500
3.60%
▲ 0.58% above New York avg
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.58% above avgNationally 2.99%
Details
Rate Type: Fixed
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
- Oct 5, 20263.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 12 Months
$0
3.60%
▲ 0.58% above New York avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.58% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 12 Months
$0
3.56%
▲ 0.54% above New York avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 0.54% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.56% ▲ 0.01 pts · high 3.56% / low 3.55%
- Oct 5, 20263.56%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
12 Month CD Special Without Active Account
$0
3.40%
▲ 0.38% above New York avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.38% above avgNationally 2.99%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 8, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Sep 18, 20263.40%▲ from 3.15%
- Sep 8, 20263.15%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3524 W Genesee St, Syracuse, NY 13219
1 Year Online CD
$0
3.25%
▲ 0.23% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.23% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
12 Month CD Special Without Active Account
$0
3.15%
▲ 0.13% above New York avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 0.13% above avgNationally 2.99%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 8, 2026 · 3.15% APY · checked 8 times
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY 13202
12 Month Certificate
$500
2.75%
▼ 0.27% below New York avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 0.27% below avgNationally 2.99%
Details
Fixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Rate History
1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 5, 20262.75%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
12 Month IRA Certificate
$0
2.15%
▼ 0.87% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 0.87% below avgNationally 2.99%
Details
Balance tier: $245,000
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 12 Month
$0
2.15%
▼ 0.87% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 0.87% below avgNationally 2.99%
Details
Balance: $245,000 tier
Rate History
No change since Oct 13, 2026 · 2.15% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
12 Month IRA Certificate
$0
2.10%
▼ 0.92% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 0.92% below avgNationally 2.99%
Details
Balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 12 Month
$0
2.10%
▼ 0.92% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 0.92% below avgNationally 2.99%
Details
Balance: $100,000 tier
Rate History
No change since Oct 13, 2026 · 2.10% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
12 Month IRA Certificate
$0
2.00%
▼ 1.02% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 1.02% below avgNationally 2.99%
Details
Balance tier: $50,000
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 12 Month
$0
2.00%
▼ 1.02% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 1.02% below avgNationally 2.99%
Details
Balance: $50,000 tier
Rate History
No change since Oct 13, 2026 · 2.00% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
12 Month IRA Certificate
$0
1.95%
▼ 1.07% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 1.07% below avgNationally 2.99%
Details
Balance tier: $1,000
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 6 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 12 Month
$0
1.95%
▼ 1.07% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▼ 1.07% below avgNationally 2.99%
Details
Balance: $4,000 tier
Rate History
No change since Oct 13, 2026 · 1.95% APY
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
211 Tompkins St, Syracuse, NY 13204
1 Year Share Certificates
$500
1.51%
▼ 1.51% below New York avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▼ 1.51% below avgNationally 2.99%
Details
Rate History
No change since Oct 12, 2026 · 1.51% APY
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
12 Month CD
$0
1.30%
▼ 1.72% below New York avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▼ 1.72% below avgNationally 2.99%
Details
Rate History
No change since Sep 19, 2026 · 1.30% APY · checked 7 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
1 Year CD
$0
0.80%
▼ 2.22% below New York avg
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▼ 2.22% below avgNationally 2.99%
Details
Balance: $1,000 and over
Rate History
No change since Sep 8, 2026 · 0.80% APY · checked 8 times
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Certificate
$100
4.50%
▲ 1.48% above New York avg
▼
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%
- 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
▼
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
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
▼
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%
- Oct 5, 20264.50%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA - 1 year
$0
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.50% APY · checked 5 times
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Special Rate
Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
- Oct 1, 20264.50%▲ from 4.36%
- Sep 14, 20264.36%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Certificate
$0
4.50%
▲ 1.48% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12-month CD
$10,000
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
4.40%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- 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
▼
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%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.35%
▲ 1.33% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
Syracuse 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
18-month IRA TSC
$1,000
4.50%
▲ 1.51% above New York avg
▼
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%
- 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%
211 Wilkinson St, Syracuse, NY 13204
18-month Roth IRA TSC
$1,000
4.50%
▲ 1.51% above New York avg
▼
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%
- 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%
211 Wilkinson St, Syracuse, NY 13204
18-month TSC
$1,000
4.50%
▲ 1.51% above New York avg
▼
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%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
18 Month CD Special with Active Account
$0
4.15%
▲ 1.16% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.16% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 8, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Sep 18, 20264.15%▲ from 4.05%
- Sep 8, 20264.05%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
18 Month CD Special with Active Account
$0
4.05%
▲ 1.06% above New York avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.06% above avgNationally 2.88%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 8 times
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
200 Walton St, Syracuse, NY 13202 1227
18-Month Special Share Certificate
$500
4.00%
▲ 1.01% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Annual Percentage Yields (APYs) current as of 9th October 2026 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Cannot be combined with any other offer. Membership eligibility is required. Insured by NCUA. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.
Rate History
No change since Oct 10, 2026 · 4.00% APY
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
250 S Clinton St, Syracuse, NY 13202
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 0.86% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 0.86% above avgNationally 2.88%
Details
Requires a qualifying checking account.
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
250 S Clinton St, Syracuse, NY 13202
18-Month M&T Select CD
$0
3.85%
▲ 0.86% above New York avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 0.86% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
18 Month CD Special without Active Account
$0
3.80%
▲ 0.81% above New York avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 0.81% above avgNationally 2.88%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 8, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55%
- Sep 18, 20263.80%▲ from 3.55%
- Sep 8, 20263.55%first recorded
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
18 Month Bump Up
$500
3.75%
▲ 0.76% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.75% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
18 Month Certificate
$500
3.75%
▲ 0.76% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.75% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
18 Month IRA
$500
3.75%
▲ 0.76% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 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
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
500 Erie Blvd E, Syracuse, NY 13202 1903
Share Certificate - 18-Month
$500
3.65%
▲ 0.66% above New York avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 0.66% above avgNationally 2.88%
Details
Rate Type: Fixed
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
- Oct 5, 20263.65%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
18 Month CD Special without Active Account
$0
3.55%
▲ 0.56% above New York avg
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 0.56% above avgNationally 2.88%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 8, 2026 · 3.55% APY · checked 8 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 18 Months
$0
3.55%
▲ 0.56% above New York avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 0.56% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
18 Month Certificates of Deposit (CDs)
$0
3.50%
▲ 0.51% above New York avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 0.51% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 7 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
18 Month IRA Certificate of Deposit
$0
3.50%
▲ 0.51% above New York avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 0.51% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 18 Months
$0
3.46%
▲ 0.47% above New York avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 0.47% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.45% → 3.46% ▲ 0.01 pts · high 3.46% / low 3.45%
- Oct 5, 20263.46%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 18 Month
$0
2.15%
▼ 0.84% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▼ 0.84% below avgNationally 2.88%
Details
Balance: $245,000 tier
Rate History
No change since Oct 13, 2026 · 2.15% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 18 Month
$0
2.10%
▼ 0.89% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▼ 0.89% below avgNationally 2.88%
Details
Balance: $100,000 tier
Rate History
No change since Oct 13, 2026 · 2.10% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 18 Month
$0
2.00%
▼ 0.99% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▼ 0.99% below avgNationally 2.88%
Details
Balance: $50,000 tier
Rate History
No change since Oct 13, 2026 · 2.00% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 18 Month
$0
1.95%
▼ 1.04% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▼ 1.04% below avgNationally 2.88%
Details
Balance: $4,000 tier
Rate History
No change since Oct 13, 2026 · 1.95% APY
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
18 Month CD
$0
1.76%
▼ 1.23% below New York avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.99%▼ 1.23% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 1.76% APY · checked 7 times
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY 13202
18 Month Certificate
$500
1.75%
▼ 1.24% below New York avg
▼
Rate1.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▼ 1.24% below avgNationally 2.88%
Details
Fixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Rate History
1 change since Sep 14, 2026 · 1.60% → 1.75% ▲ 0.15 pts · high 1.75% / low 1.60%
- Oct 13, 20261.75%▲ from 1.60%
- Sep 14, 20261.60%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Certificate
$0
4.65%
▲ 1.66% above New York avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.66% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 4.65% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-month CD
$10,000
4.65%
▲ 1.66% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.66% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- 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
▼
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%
- 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
▼
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
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18 Month Variable Rate IRA
$100
4.46%
▲ 1.47% above New York avg
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.47% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
- Oct 7, 20264.46%▲ from 4.15%
- Sep 19, 20264.15%first recorded
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18 Month Certificate
$0
4.44%
▲ 1.45% above New York avg
▼
Rate4.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.45% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 4.44% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month CD
$500
4.40%
▲ 1.41% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details
10-Day CD Rate Guarantee
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 10, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.40%
▲ 1.41% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.37%
▲ 1.38% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.38% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 7, 20264.37%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35%
▲ 1.36% above New York avg
▼
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%
- 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
▼
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
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
▼
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
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.32%
▲ 1.33% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.33% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 7, 20264.32%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
18 Month 360 CDs
$0
4.30%
▲ 1.31% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.31% above avgNationally 2.88%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
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
▼
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
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
▼
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%
- 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
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.99%▲ 1.26% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY
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
▼
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
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
▼
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
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.16%
▲ 1.17% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.99%▲ 1.17% above avgNationally 2.88%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
- Oct 7, 20264.16%▲ from 4.01%
- Sep 18, 20264.01%first recorded
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Trailblazer - 18 Months
$0
4.15%
▲ 1.16% above New York avg
▼
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
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
▼
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%
- Sep 29, 20264.10%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Syracuse 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
2-year IRA TSC
$1,000
4.00%
▲ 1.04% above New York avg
▼
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%
- 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%
211 Wilkinson St, Syracuse, NY 13204
2-year Roth IRA TSC
$1,000
4.00%
▲ 1.04% above New York avg
▼
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%
- 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%
211 Wilkinson St, Syracuse, NY 13204
2-year TSC
$1,000
4.00%
▲ 1.04% above New York avg
▼
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%
- Oct 12, 20264.00%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
500 Erie Blvd E, Syracuse, NY 13202 1903
Share Certificate - 24-Month
$500
4.00%
▲ 1.04% above New York avg
▼
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%
- Oct 5, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificates - 24 Months
$0
3.90%
▲ 0.94% above New York avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 0.94% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
1400 ERIE BLVD E, SYRACUSE, NY 13210
18 and 24 Months
$500
3.80%
▲ 0.84% above New York avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 0.84% above avgNationally 2.88%
Details
Youth Minimum Balance: $50
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
4800 S Salina St, Syracuse, NY 13205
IRA & ESA Certificate - 24 Months
$0
3.80%
▲ 0.84% above New York avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 0.84% above avgNationally 2.88%
Details
Traditional & Roth IRA minimum balance $1,000; Coverdell ESA minimum balance $500; Penalty may apply for early withdrawal; Rates effective as of 8/18/26
Rate History
No change since Oct 12, 2026 · 3.80% APY
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
24 Month Certificates of Deposit (CDs)
$0
3.50%
▲ 0.54% above New York avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 0.54% above avgNationally 2.88%
Details
Rate History
1 change since Sep 19, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 2, 20263.50%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
24 Month IRA Certificate of Deposit
$0
3.50%
▲ 0.54% above New York avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 0.54% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 3 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
24 Month Certificate
$500
3.50%
▲ 0.54% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 0.54% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 3.50% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
24 Month IRA
$500
3.50%
▲ 0.54% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 0.54% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 24 Month
$500
3.30%
▲ 0.34% above New York avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 0.34% above avgNationally 2.88%
Details
Code 84; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 3.30% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate - 24 Month
$0
3.30%
▲ 0.34% above New York avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 0.34% above avgNationally 2.88%
Details
Interest paid monthly; JUMBO; account code 56
Rate History
No change since Oct 13, 2026 · 3.30% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificates - 24 Month
$500
3.30%
▲ 0.34% above New York avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 0.34% above avgNationally 2.88%
Details
Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 3.30% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
24 Month Certificate
$1,000
3.20%
▲ 0.24% above New York avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 0.24% above avgNationally 2.88%
Details
Account 36; Interest Monthly; Min. $1,000
Rate History
No change since Oct 13, 2026 · 3.20% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3524 W Genesee St, Syracuse, NY 13219
2 Year Online CD
$0
3.00%
▲ 0.04% above New York avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 0.04% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
24 Month IRA Certificate
$0
2.15%
▼ 0.81% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 0.81% below avgNationally 2.88%
Details
Balance tier: $245,000
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 24 Month
$0
2.15%
▼ 0.81% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 0.81% below avgNationally 2.88%
Details
Balance: $245,000 tier
Rate History
No change since Oct 13, 2026 · 2.15% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
24 Month IRA Certificate
$0
2.10%
▼ 0.86% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 0.86% below avgNationally 2.88%
Details
Balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 24 Month
$0
2.10%
▼ 0.86% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 0.86% below avgNationally 2.88%
Details
Balance: $100,000 tier
Rate History
No change since Oct 13, 2026 · 2.10% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
24 Month IRA Certificate
$0
2.00%
▼ 0.96% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 0.96% below avgNationally 2.88%
Details
Balance tier: $50,000
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 24 Month
$0
2.00%
▼ 0.96% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 0.96% below avgNationally 2.88%
Details
Balance: $50,000 tier
Rate History
No change since Oct 13, 2026 · 2.00% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
24 Month IRA Certificate
$0
1.95%
▼ 1.01% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 1.01% below avgNationally 2.88%
Details
Balance tier: $1,000
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 6 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 24 Month
$0
1.95%
▼ 1.01% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 1.01% below avgNationally 2.88%
Details
Balance: $1,000 tier
Rate History
No change since Oct 13, 2026 · 1.95% APY
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
24 Month CD
$0
1.76%
▼ 1.20% below New York avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▼ 1.20% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 1.76% APY · checked 7 times
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY 13202
24 Month Certificate
$500
1.75%
▼ 1.21% below New York avg
▼
Rate1.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▼ 1.21% below avgNationally 2.88%
Details
Fixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Rate History
1 change since Sep 14, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50%
- Oct 5, 20261.75%▲ from 1.50%
- Sep 14, 20261.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
211 Tompkins St, Syracuse, NY 13204
2 Year Share Certificates
$500
1.51%
▼ 1.45% below New York avg
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▼ 1.45% below avgNationally 2.88%
Details
Rate History
No change since Oct 12, 2026 · 1.51% APY
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
2 Year CD
$0
0.95%
▼ 2.01% below New York avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▼ 2.01% below avgNationally 2.88%
Details
Balance: $1,000 and over
Rate History
No change since Sep 8, 2026 · 0.95% APY · checked 8 times
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
▼
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
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA - 2 year
$0
4.75%
▲ 1.79% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.79% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Certificate
$0
4.70%
▲ 1.74% above New York avg
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.74% above avgNationally 2.88%
Details
Rate History
No change since Oct 6, 2026 · 4.70% APY · checked 2 times
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
2-YEAR TREASURY INDEXED CD
$0
4.59%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.63% above avgNationally 2.88%
Details
TOP THE TREASURY; variable yield account with no cap today!
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 5 times
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
▼
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%
- 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
▼
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
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45%
▲ 1.49% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.49% above avgNationally 2.88%
Details
New Money CDs
Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45%
▲ 1.49% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.49% above avgNationally 2.88%
Details
Exclusively for Premier clients.
Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.42%
▲ 1.46% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.46% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 7, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Online CDs
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Minimum balance to open and obtain APY is $1000.
Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- Oct 12, 20264.40%▲ from 4.20%
- Sep 25, 20264.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.37%
▲ 1.41% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.41% above avgNationally 2.88%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 7, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CD
$0
4.35%
▲ 1.39% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
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
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
- 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
▼
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%
- 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
▼
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
Syracuse 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
500 Erie Blvd E, Syracuse, NY 13202 1903
Share Certificate - 36-Month
$500
3.75%
▲ 0.98% above New York avg
▼
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%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
4800 S Salina St, Syracuse, NY 13205
IRA & ESA Certificate - 36 Months
$0
3.60%
▲ 0.83% above New York avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 0.83% above avgNationally 2.81%
Details
Traditional & Roth IRA minimum balance $1,000; Coverdell ESA minimum balance $500; Penalty may apply for early withdrawal; Rates effective as of 8/18/26
Rate History
No change since Oct 12, 2026 · 3.60% APY
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
3-year IRA TSC
$1,000
3.50%
▲ 0.73% above New York avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Traditional IRA; penalties may be imposed for early withdrawal
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 5 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
3-year Roth IRA TSC
$1,000
3.50%
▲ 0.73% above New York avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Roth IRA term share certificate; Dividend Rate 3.45%; minimum opening deposit $1,000; penalties may be imposed for early withdrawal
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 4 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
3-year TSC
$1,000
3.50%
▲ 0.73% above New York avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 3 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
36 Month Certificate
$500
3.50%
▲ 0.73% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Oct 10, 2026 · 3.50% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
36 Month IRA
$500
3.50%
▲ 0.73% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 36 Month
$500
3.40%
▲ 0.63% above New York avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.63% above avgNationally 2.81%
Details
Code 86; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 3.40% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate - 36 Month
$0
3.40%
▲ 0.63% above New York avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.63% above avgNationally 2.81%
Details
Interest paid monthly; JUMBO; account code 58
Rate History
No change since Oct 13, 2026 · 3.40% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificates - 36 Month
$500
3.40%
▲ 0.63% above New York avg
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.63% above avgNationally 2.81%
Details
Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 3.40% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
36 Month Certificate
$1,000
3.30%
▲ 0.53% above New York avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 0.53% above avgNationally 2.81%
Details
Account 38; Interest Monthly; Min. $1,000
Rate History
No change since Oct 13, 2026 · 3.30% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3524 W Genesee St, Syracuse, NY 13219
3 Year Online CD
$0
2.75%
▼ 0.02% below New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 0.02% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
36 Month Certificates of Deposit (CDs)
$0
2.50%
▼ 0.27% below New York avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
36 Month IRA Certificate of Deposit
$0
2.50%
▼ 0.27% below New York avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 3 times
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
36 Month CD
$0
2.50%
▼ 0.27% below New York avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Rate History
1 change since Sep 19, 2026 · 1.86% → 2.50% ▲ 0.64 pts · high 2.50% / low 1.86%
- Oct 3, 20262.50%▲ from 1.86%
- Sep 19, 20261.86%first recorded
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
36 Month IRA Certificate
$0
2.45%
▼ 0.32% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.32% below avgNationally 2.81%
Details
Balance tier: $245,000
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 36 Month
$0
2.45%
▼ 0.32% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.32% below avgNationally 2.81%
Details
Balance: $245,000 tier
Rate History
No change since Oct 13, 2026 · 2.45% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
36 Month IRA Certificate
$0
2.40%
▼ 0.37% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.37% below avgNationally 2.81%
Details
Balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 36 Month
$0
2.40%
▼ 0.37% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.37% below avgNationally 2.81%
Details
Balance: $100,000 tier
Rate History
No change since Oct 13, 2026 · 2.40% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
36 Month IRA Certificate
$0
2.30%
▼ 0.47% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.47% below avgNationally 2.81%
Details
Balance tier: $50,000
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 36 Month
$0
2.30%
▼ 0.47% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.47% below avgNationally 2.81%
Details
Balance: $50,000 tier
Rate History
No change since Oct 13, 2026 · 2.30% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
36 Month IRA Certificate
$0
2.25%
▼ 0.52% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.52% below avgNationally 2.81%
Details
Balance tier: $1,000
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 36 Month
$0
2.25%
▼ 0.52% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.52% below avgNationally 2.81%
Details
Balance: $1,000 tier
Rate History
No change since Oct 13, 2026 · 2.25% APY
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY 13202
36 Month Certificate
$500
2.00%
▼ 0.77% below New York avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▼ 0.77% below avgNationally 2.81%
Details
Fixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Rate History
1 change since Sep 14, 2026 · 1.40% → 2.00% ▲ 0.60 pts · high 2.00% / low 1.40%
- Oct 5, 20262.00%▲ from 1.40%
- Sep 14, 20261.40%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
3 Year CD
$0
1.05%
▼ 1.72% below New York avg
▼
Rate1.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▼ 1.72% below avgNationally 2.81%
Details
Balance: $1,000 and over
Rate History
No change since Sep 8, 2026 · 1.05% APY · checked 8 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month CD
$0
4.90%
▲ 2.13% above New York avg
▼
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%
- 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
▼
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
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
▼
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%
- Oct 3, 20264.90%▲ from 3.18%
- Sep 19, 20263.18%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Certificate
$0
4.85%
▲ 2.08% above New York avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 2.08% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 4.85% APY · checked 2 times
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
▼
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%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.52%
▲ 1.75% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.75% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
- Oct 7, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.52%
▲ 1.75% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.75% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
- Oct 2, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 36 Months
$50
4.50%
▲ 1.73% above New York avg
▼
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%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.47%
▲ 1.70% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.70% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
- Oct 7, 20264.47%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.47%
▲ 1.70% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.70% above avgNationally 2.81%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
- Oct 2, 20264.47%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.40%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- Oct 12, 20264.40%▲ from 4.25%
- Sep 25, 20264.25%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36-Month Certificate
$500
4.35%
▲ 1.58% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 6, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share & IRA Certificates - 36 months
$0
4.35%
▲ 1.58% above New York avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details
Rate History
No change since Oct 6, 2026 · 4.35% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.32%
▲ 1.55% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.55% above avgNationally 2.81%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 7, 20264.32%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.32%
▲ 1.55% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.55% above avgNationally 2.81%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 2, 20264.32%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
36 Month 360 CDs
$0
4.30%
▲ 1.53% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.77%▲ 1.53% above avgNationally 2.81%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
Syracuse 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
48 Month CD
$0
4.00%
▲ 1.31% above New York avg
▼
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%
- Oct 3, 20264.00%▲ from 1.91%
- Sep 19, 20261.91%first recorded
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
500 Erie Blvd E, Syracuse, NY 13202 1903
Share Certificate - 48-Month
$500
3.75%
▲ 1.06% above New York avg
▼
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%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
4800 S Salina St, Syracuse, NY 13205
IRA & ESA Certificate - 48 Months
$0
3.50%
▲ 0.81% above New York avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 0.81% above avgNationally 2.80%
Details
Traditional & Roth IRA minimum balance $1,000; Coverdell ESA minimum balance $500; Penalty may apply for early withdrawal; Rates effective as of 8/18/26
Rate History
No change since Oct 12, 2026 · 3.50% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
48 Month Certificate
$500
3.50%
▲ 0.81% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 0.81% above avgNationally 2.80%
Details
Rate History
No change since Oct 10, 2026 · 3.50% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
48 Month IRA
$500
3.50%
▲ 0.81% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 0.81% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 48 Month
$500
3.45%
▲ 0.76% above New York avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.76% above avgNationally 2.80%
Details
Code 87; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 3.45% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate - 48 Month
$0
3.45%
▲ 0.76% above New York avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.76% above avgNationally 2.80%
Details
Interest paid monthly; JUMBO; account code 59
Rate History
No change since Oct 13, 2026 · 3.45% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificates - 48 Month
$500
3.45%
▲ 0.76% above New York avg
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.76% above avgNationally 2.80%
Details
Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 3.45% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
48 Month Certificate
$1,000
3.35%
▲ 0.66% above New York avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 0.66% above avgNationally 2.80%
Details
Account 39; Interest Monthly; Min. $1,000
Rate History
No change since Oct 13, 2026 · 3.35% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3524 W Genesee St, Syracuse, NY 13219
4 Year Online CD
$0
2.75%
▲ 0.06% above New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 0.06% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
48 Month Certificates of Deposit (CDs)
$0
2.75%
▲ 0.06% above New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 0.06% above avgNationally 2.80%
Details
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
48 Month IRA Certificate of Deposit
$0
2.75%
▲ 0.06% above New York avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 0.06% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 3 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
48 Month IRA Certificate
$0
2.60%
▼ 0.09% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.09% below avgNationally 2.80%
Details
Balance tier: $245,000
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 48 Month
$0
2.60%
▼ 0.09% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.09% below avgNationally 2.80%
Details
Balance: $245,000 tier
Rate History
No change since Oct 13, 2026 · 2.60% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
48 Month IRA Certificate
$0
2.55%
▼ 0.14% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.14% below avgNationally 2.80%
Details
Balance tier: $100,000
Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 48 Month
$0
2.55%
▼ 0.14% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.14% below avgNationally 2.80%
Details
Balance: $100,000 tier
Rate History
No change since Oct 13, 2026 · 2.55% APY
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
211 Tompkins St, Syracuse, NY 13204
4 Year Share Certificates
$500
2.52%
▼ 0.17% below New York avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▼ 0.17% below avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 2.52% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
48 Month IRA Certificate
$0
2.45%
▼ 0.24% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.24% below avgNationally 2.80%
Details
Balance tier: $50,000
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 48 Month
$0
2.45%
▼ 0.24% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.24% below avgNationally 2.80%
Details
Balance: $50,000 tier
Rate History
No change since Oct 13, 2026 · 2.45% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
48 Month IRA Certificate
$0
2.40%
▼ 0.29% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.29% below avgNationally 2.80%
Details
Balance tier: $1,000
Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 6 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 48 Month
$0
2.40%
▼ 0.29% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.29% below avgNationally 2.80%
Details
Balance: $1,000 tier
Rate History
No change since Oct 13, 2026 · 2.40% APY
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY 13202
48 Month Certificate
$500
2.00%
▼ 0.69% below New York avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▼ 0.69% below avgNationally 2.80%
Details
Fixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Rate History
1 change since Sep 14, 2026 · 1.30% → 2.00% ▲ 0.70 pts · high 2.00% / low 1.30%
- Oct 5, 20262.00%▲ from 1.30%
- Sep 14, 20261.30%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
109 W Fayette St, Syracuse, NY 13202
4 Year CD
$0
1.10%
▼ 1.59% below New York avg
▼
Rate1.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▼ 1.59% below avgNationally 2.80%
Details
Balance: $1,000 and over
Rate History
No change since Sep 8, 2026 · 1.10% APY · checked 8 times
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA - 3 and 4 year
$0
5.00%
▲ 2.31% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 2.31% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Certificate
$0
4.95%
▲ 2.26% above New York avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 2.26% above avgNationally 2.80%
Details
Rate History
No change since Oct 6, 2026 · 4.95% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.58%
▲ 1.89% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.89% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 7, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.58%
▲ 1.89% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.89% above avgNationally 2.80%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 2, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
4 Year Certificate of Deposit
$1,000
4.55%
▲ 1.86% above New York avg
▼
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%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.52%
▲ 1.83% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.83% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
- Oct 7, 20264.52%▲ from 4.32%
- Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.52%
▲ 1.83% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.83% above avgNationally 2.80%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
- Oct 2, 20264.52%▲ from 4.32%
- Sep 18, 20264.32%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 48 Months
$50
4.50%
▲ 1.81% above New York avg
▼
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%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.40%
▲ 1.71% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- 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
▼
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%
- 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
▼
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
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
48 Month CD
$0
4.38%
▲ 1.69% above New York avg
▼
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%
- 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
▼
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
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
▼
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%
- Oct 3, 20264.38%▲ from 3.08%
- Sep 19, 20263.08%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.37%
▲ 1.68% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.68% above avgNationally 2.80%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 7, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.37%
▲ 1.68% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.68% above avgNationally 2.80%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 2, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
4 Year Certificate
$0
4.34%
▲ 1.65% above New York avg
▼
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
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
▼
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
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
▼
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%
- Oct 5, 20264.32%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
48 Month 360 CDs
$0
4.30%
▲ 1.61% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.61% above avgNationally 2.80%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
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
▼
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
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
▼
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%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 years up to 5 (Apply Online)
$1,000
4.20%
▲ 1.51% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 4 years up to 5
$1,000
4.20%
▲ 1.51% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 2, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
48 Month Share & IRA Share Certificate
$0
4.15%
▲ 1.46% above New York avg
▼
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%
- 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
▼
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
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
▼
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
Syracuse 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
500 Erie Blvd E, Syracuse, NY 13202 1903
Share Certificate - 60-Month
$500
3.75%
▲ 0.87% above New York avg
▼
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%
- Oct 5, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 60 Month
$500
3.50%
▲ 0.62% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.62% above avgNationally 2.91%
Details
Code 88; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 3.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate - 60 Month
$0
3.50%
▲ 0.62% above New York avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.62% above avgNationally 2.91%
Details
Interest paid monthly; JUMBO; account code 60
Rate History
No change since Oct 13, 2026 · 3.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificates - 60 Month
$500
3.50%
▲ 0.62% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.62% above avgNationally 2.91%
Details
Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 3.50% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
60 Month Certificate
$500
3.50%
▲ 0.62% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 0.62% above avgNationally 2.91%
Details
Rate History
No change since Oct 10, 2026 · 3.50% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
401 S Salina St, Syracuse, NY 13202 2584
60 Month IRA
$500
3.50%
▲ 0.62% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 0.62% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
4800 S Salina St, Syracuse, NY 13205
IRA & ESA Certificate - 60 Months
$0
3.40%
▲ 0.52% above New York avg
▼
Rate3.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 0.52% above avgNationally 2.91%
Details
Traditional & Roth IRA minimum balance $1,000; Coverdell ESA minimum balance $500; Penalty may apply for early withdrawal; Rates effective as of 8/18/26
Rate History
No change since Oct 12, 2026 · 3.40% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
60 Month Certificate
$1,000
3.40%
▲ 0.52% above New York avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 0.52% above avgNationally 2.91%
Details
Account 40; Interest Monthly; Min. $1,000
Rate History
No change since Oct 13, 2026 · 3.40% APY
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
211 Tompkins St, Syracuse, NY 13204
5 Year Share Certificates
$500
3.29%
▲ 0.41% above New York avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 0.41% above avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 3.29% APY
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
60 Month CD
$0
3.25%
▲ 0.37% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 0.37% above avgNationally 2.91%
Details
Rate History
1 change since Sep 19, 2026 · 2.12% → 3.25% ▲ 1.13 pts · high 3.25% / low 2.12%
- Oct 3, 20263.25%▲ from 2.12%
- Sep 19, 20262.12%first recorded
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
60 Month Certificates of Deposit (CDs)
$0
3.00%
▲ 0.12% above New York avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 0.12% above avgNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
109 S Warren St, Syracuse, NY 13202
60 Month IRA Certificate of Deposit
$0
3.00%
▲ 0.12% above New York avg
▼
Rate2.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 0.12% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
60 Month IRA Certificate
$0
2.85%
▼ 0.03% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.03% below avgNationally 2.91%
Details
Balance tier: $245,000
Rate History
No change since Oct 13, 2026 · 2.85% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 60 Month
$0
2.85%
▼ 0.03% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.03% below avgNationally 2.91%
Details
Balance: $245,000 tier
Rate History
No change since Oct 13, 2026 · 2.85% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
60 Month IRA Certificate
$0
2.80%
▼ 0.08% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.08% below avgNationally 2.91%
Details
Balance tier: $100,000
Rate History
No change since Oct 13, 2026 · 2.80% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 60 Month
$0
2.80%
▼ 0.08% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.08% below avgNationally 2.91%
Details
Balance: $100,000 tier
Rate History
No change since Oct 13, 2026 · 2.80% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3524 W Genesee St, Syracuse, NY 13219
5 Year Online CD
$0
2.75%
▼ 0.13% below New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▼ 0.13% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
60 Month IRA Certificate
$0
2.70%
▼ 0.18% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.18% below avgNationally 2.91%
Details
Balance tier: $50,000
Rate History
No change since Oct 13, 2026 · 2.70% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 60 Month
$0
2.70%
▼ 0.18% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.18% below avgNationally 2.91%
Details
Balance: $50,000 tier
Rate History
No change since Oct 13, 2026 · 2.70% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
60 Month IRA Certificate
$0
2.65%
▼ 0.23% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.23% below avgNationally 2.91%
Details
Balance tier: $1,000
Rate History
No change since Oct 13, 2026 · 2.65% APY
Syracuse Cooperative Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 26.96%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
Member Certificates - 60 Month
$0
2.65%
▼ 0.23% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.23% below avgNationally 2.91%
Details
Balance: $1,000 tier
Rate History
No change since Oct 13, 2026 · 2.65% APY
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
125 E Jefferson St, Syracuse, NY 13202
60 Month Certificate
$500
2.00%
▼ 0.88% below New York avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▼ 0.88% below avgNationally 2.91%
Details
Fixed rate; Early withdrawal penalty may apply; Fees may reduce earnings; Print Certificate Application
Rate History
1 change since Sep 14, 2026 · 1.20% → 2.00% ▲ 0.80 pts · high 2.00% / low 1.20%
- Oct 5, 20262.00%▲ from 1.20%
- Sep 14, 20261.20%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Regular IRA And Roth IRA - 5 years
$0
5.25%
▲ 2.37% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 2.37% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 5.25% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Certificate
$0
5.00%
▲ 2.12% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 2.12% above avgNationally 2.91%
Details
Rate History
No change since Oct 6, 2026 · 5.00% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
60 Month CD
$0
4.64%
▲ 1.76% above New York avg
▼
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%
- 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
▼
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
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
▼
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%
- Oct 3, 20264.64%▲ from 3.23%
- Sep 19, 20263.23%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.63%
▲ 1.75% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.75% above avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
- Oct 7, 20264.63%▲ from 4.42%
- Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.63%
▲ 1.75% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.75% above avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
- Oct 2, 20264.63%▲ from 4.42%
- Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.58%
▲ 1.70% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.70% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 7, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.58%
▲ 1.70% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.70% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 2, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
5 Year Certificate of Deposit
$1,000
4.55%
▲ 1.67% above New York avg
▼
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%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.42%
▲ 1.54% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.54% above avgNationally 2.91%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 7, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.42%
▲ 1.54% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.54% above avgNationally 2.91%
Details
Balance: $25,000.00 - $49,999.99
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 2, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.40%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
60 Month 360 CDs
$0
4.30%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details
Fixed APY | No minimum balance
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
5 Year Certificate (Apply Online)
$1,000
4.30%
▲ 1.42% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 5 years
$1,000
4.30%
▲ 1.42% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 2, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
60 Month Super Share & IRA Certificate
$0
4.30%
▲ 1.42% above New York avg
▼
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
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
▼
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%
- 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
▼
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
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
▼
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%
- Oct 12, 20264.20%▲ from 3.55%
- Oct 8, 20263.55%first recorded
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Business Certificate Account
$0
4.15%
▲ 1.27% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Certificate
$0
4.15%
▲ 1.27% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Syracuse, NY CD Rate Trends
Compare local Syracuse, NY CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NY Avg
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
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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%
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What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.058% | $102.89 | $205.78 | $514.45 | $1,028.90 |
| 6-Month CD | 2.784% | $139.21 | $278.42 | $696.05 | $1,392.10 |
| 12-Month CD | 3.025% | $151.23 | $302.45 | $756.13 | $1,512.25 |
| 18-Month CD | 2.986% | $149.30 | $298.60 | $746.50 | $1,493.00 |
| 24-Month CD | 2.962% | $148.12 | $296.23 | $740.58 | $1,481.15 |
| 36-Month CD | 2.768% | $138.38 | $276.76 | $691.90 | $1,383.80 |
| 48-Month CD | 2.689% | $134.42 | $268.85 | $672.13 | $1,344.25 |
| 60-Month CD | 2.883% | $144.13 | $288.26 | $720.65 | $1,441.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026. | |||||
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Sample CD Ladder for Syracuse, New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.058% | $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 Syracuse, New York
Tracked in Syracuse, New York
60 Banks
93 Credit Unions
About Our Syracuse, New York CD Rate Database
MonitorBankRates tracks 2,253 CD rates from 60 banks and 93 credit unions with locations in Syracuse, 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: Syracuse Fire Department Employees Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Syracuse, New York.
How to Find the Best CD Rates in Syracuse, New York
What to compare when shopping for a CD in Syracuse, New York
To find the best APYs in Syracuse, New York, start with credit unions and online-only banks: Syracuse, New York has 93 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 Syracuse, 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 Syracuse, New York: 153 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Syracuse, New York savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Syracuse, New York money market rates
Syracuse, New York Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.4%
National avg: 17.3%
Median Individual Earnings
$30,590
National avg: $47,340
Poverty Rate
28.8%
National avg: 11.1%
Unemployment Rate
7.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$93/yr
At NY 12-mo avg 3.025% APY
14.4% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 7.7% (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 ($3,059/year) and putting it in a CD would earn an additional $93 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 Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, New York as everywhere in the U.S.
Choosing a CD Term in Syracuse, 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 Syracuse, New York savers easier access to their funds. For example, Syracuse Fire Department Employees Federal Credit Union is offering its 6-month TSC at 5.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Visions Federal Credit Union is offering its Share Certificate - 60-Month at 3.75% 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 Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a Syracuse, 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 Syracuse, New York
Are CD rates in Syracuse, New York FDIC insured?
Yes, most established banks in Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, 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 Syracuse, New York?
Here are recent top rates found for this area:
- Syracuse Fire Department Employees Federal Credit Union: 5.00% APY (6-month TSC)
- SECNY Federal Credit Union: 4.50% APY (6 Month Certificate)
- AmeriCU Credit Union: 4.50% APY (12 Month Share Certificates)
- Pathfinder Bank: 4.15% APY (18 Month CD Special with Active Account)
- The Summit Federal Credit Union: 4.15% APY (12 Month Certificate)
- Crouse Federal Credit Union: 4.15% APY (Certificates - 6 Months)
- Solvay Bank: 4.00% APY (6 Month Certificate of Deposit Special)
- Geddes Federal S&L: 4.00% APY (48 Month CD)
- Salt City Federal Credit Union: 4.00% APY (IRA & ESA Certificate - 12 Months)
- Visions Federal Credit Union: 4.00% APY (Share Certificate - 24-Month)
Rates reflect recent verified offers available in Syracuse, New York. Last Updated: October 13, 2026
Syracuse, 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 Syracuse, 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.
CD Calculators for Syracuse, New York
Syracuse, New York CD Calculator
At today’s NY top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Syracuse, New York CD LadderNY 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 PenaltyBefore locking into a Syracuse, New York CD at 5.00% 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 SavingsNew 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 Syracuse, 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 Syracuse, 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 Syracuse, New York. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026
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