New York CD Rates Today - Compare Best APYs for July 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current New York CD rates include Generations United Federal Credit UnionGenerations United Federal Credit Union420 Lexington Ave Rm 850, New York, NY 10170 0033A+5.0 ★Texas Ratio: 0.06%Real return: +1.54%APY minus CPI (February 2026) offering 24-month at 4.34% APY, Pittsford Federal Credit UnionPittsford Federal Credit Union1321 Pittsford Mendon Rd, Mendon, NY 14506 9733A+5.0 ★Texas Ratio: 1.20%Real return: +1.45%APY minus CPI (February 2026) offering 36 Months at 4.25% APY, Ridgewood Savings BankRidgewood Savings Bank7102 Forest Ave, Ridgewood, NY 11385A5.0 ★Texas Ratio: 7.75%Real return: +1.43%APY minus CPI (February 2026) offering 2-YEAR TREASURY INDEXED CD at 4.23% APY, UGEFCUUGEFCU215 Old Campion Rd, New Hartford, NY 13413 4953A+5.0 ★Texas Ratio: 5.36%Real return: +1.35%APY minus CPI (February 2026) offering 6 Months at 4.15% APY, and FourLeaf Federal Credit UnionFourLeaf Federal Credit Union591 E Main St, Bay Shore, NY 11706 8505A-4.9 ★Texas Ratio: 15.93%Real return: +1.35%APY minus CPI (February 2026) offering 60 Month Business Certificate Account at 4.15% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in New York side-by-side. New York CD rates currently reach as high as 4.34% APY from Generations United Federal Credit Union at 420 Lexington Ave Rm 850, New York, NY 10170 0033. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 25, 2026
Compare Best CD Rates in New York
New York 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
3 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
3 Months Term
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
138 Factory St, Watertown, NY 13601 1958
Share Certificate 3 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Basic: 0.40% APY; Better: 2.90% APY
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
3 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
4142 Hylan Blvd, Staten Island, NY 10308
3 month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
3-month Certificate
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 3 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
3 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Earn 3.55% APY on balances of $500 or more.
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
3 Month CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Star Relationship CD 3 Month
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Minimum Deposit: $500. Early Withdrawal Penalties May Apply.
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
3 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
3 Month CD
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Penalty for early withdrawal: 3 Months Dividends
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
90 Day
$250
3.25%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
CDARS? CDs 3 month
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Funding Limit: $12M
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
3 Month Plus Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
3 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 3 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
3 month SC
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
3-month
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedJul 25, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
3-Month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
3-Month CD
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
28 Church St, Hoosick Falls, NY 12090
IRA Term Share Certificates 3 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
1616 Broadway, Schenectady, NY 12306
90 Days
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
128 E 4th St, Dunkirk, NY 14048
3-Month
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Berkshire Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2 S Church St, Goshen, NY 10924
3 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Berkshire Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2 S Church St, Goshen, NY 10924
Business 3 months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
230 Park Ave, New York, NY 10169
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
3 Month IRA
$0
1.90%
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
3-Month Term/IRA Term
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month
$0
1.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 3 Months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
All certificate dividends are compounded daily, and the dividends are credited monthly. Rates are subject to change without notice. Early withdrawals are permitted subject to a penalty which may reduce the principal. The feature to add to existing CDs is no longer available. Penalties for Early Termination are 30 days for every 12 month maturity (i.e. 30 day penalty for 3, 6 and 12 month CD's, 60 days for 24 month CD's, 90 days for 36 month, 120 days for 48 month and 150 days for 60 month)
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15408 Northern Blvd, Flushing, NY 11354
3 Month CD
$500
1.50%
▼
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
3 Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
7 Front St, Rockville Centre, NY 11570
3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 24.45%
4886 ARTHUR KILL RD, STATEN ISLAND, NY 10309
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
125 State St, Albany, NY 12207
3 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
3 Month IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
3 Month Business Certificate Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
4720 Baker St, Lakewood, NY 14750 9772
3 Month
$100,000
0.90%
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
New York 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY 13413 4953
6 Months
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
6 Month CD and IRA
$0
4.15%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
6 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1490 Franklin Ave, Mineola, NY 11501 4801
6-MONTH CERTIFICATE
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month Youth Certificate
$100
4.00%
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedJul 24, 2026
Details
Penalty may apply for early withdrawals from Certificates.
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month IRA Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Penalty may apply for early withdrawals from Certificates.
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Dulles State Office Building, WATERTOWN, NY 13601
6 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
45 Atlantic Ave, Oceanside, NY 11572 2035
6 Month Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Penalty may apply for early withdrawals from Certificates.
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1490 Franklin Ave, Mineola, NY 11501 4801
6 Month Certificate
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
6-month TSC
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
6 Month Certificate of Deposit Special
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
6 Month CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
138 Factory St, Watertown, NY 13601 1958
Share Certificate 6 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Basic: 2.90% APY; Better: 3.40% APY
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
6 Months Term
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
6-month Certificate
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
207 Genesee St, Utica, NY 13501
6 month
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Penalty for early withdrawal: 3 Months Dividends
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
6 Month CD
$5,000
3.85%
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
6 months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
6 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
6 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
6 months
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 6 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificate 6 months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
6 Month Plus
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Spencerport Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
2775 Spencerport rd, Spencerport, NY 14559
6 Month Certificate
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 23, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
6 Month New Money CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CD 6 months
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
6 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
180 Day
$250
3.67%
▼
Rate3.60%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
6 Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
110 Village Sq, Painted Post, NY 14870 1349
6 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
6 Month CD
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
6 months Online CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
6 Month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
6 month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
6 Month Plus
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
6 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
6 Month CD Special with Active Account
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
6 Month CD/IRA
$10,000
3.60%
▼
Rate3.57%
Min Deposit$10,000
Min Balance—
UpdatedJul 12, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
1795 English Rd, Rochester, NY 14616
Share Certificates and IRA CDs - 6 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY 14901
NEW CD Special: 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY 10036 2508
6-Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
6 Month
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Credit Monthly
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
6 Month CD and IRA
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY 13790
6 months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
Star Relationship CD 6 Month
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Minimum Deposit: $500. Early Withdrawal Penalties May Apply.
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
6 Month Plus Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
New York 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
12 Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
755 Co Op City Blvd, Bronx, NY 10475
12 Month Share Certificate K New Money
$5,000
4.07%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedJul 25, 2026
Details
$5; New Money
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
755 Co Op City Blvd, Bronx, NY 10475
Share Certificate 12-Month-Bonus Rate
$500
4.07%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
12 months
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY 13209
12 Months
$0
4.05%
▼
Rate3.99%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
12 Months
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
2
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
12 Months
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 12 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
1-year TSC
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth IRA TSC
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
1-year IRA TSC
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
12 Month CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
12 Months Term
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
12 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY 13413 4953
12 Months
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY 13413 4953
1 Year IRA Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Compounded/Credited: Qrtly/Qrtly
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
12 Month Certificate (IRA Only)
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
IRA Only
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
12 Month CD and IRA
$0
3.90%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Penalty for early withdrawal: 3 Months Dividends
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
12 Month New Money CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CD 12 months
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
IRA Term Share Certificate 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
12 months Online CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
12 Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
1 Year
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Credit at Maturity
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
12 Month Plus
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
445 Broadhollow Rd, Melville, NY 11747
12-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
12-month Certificate
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1490 Franklin Ave, Mineola, NY 11501 4801
12 Month Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
1 Year
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Dulles State Office Building, WATERTOWN, NY 13601
12 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Ever $ Green Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.65%
2215 E Henrietta Rd, Rochester, NY 14623
12 Months to 23 Months Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
207 Genesee St, Utica, NY 13501
1 Year
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
12 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
12 months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
12 Month CD and IRA
$0
3.65%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
12 Months CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Remington Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
39 Central Plz, Ilion, NY 13357
12 months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
12-Month Flex
$0
3.63%
▼
Rate3.56%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
12 Month Plus
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
12 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificate 12 months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
12 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
12 Mo Share Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY 14052 0018
12 Month Jumbo Share Certificate
$100,000
3.55%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedJul 16, 2026
Details
Dividend Paid Monthly
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
90 E Bridge St, Oswego, NY 13126
12 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
New York 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
207 Genesee St, Utica, NY 13501
18 month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
18-Month Share Certificate Special
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
18-Month Special
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
For a limited time only! Cannot be combined with any other offer. At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account.
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
18-month IRA TSC
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
18-month Roth IRA TSC
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
18-month TSC
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
18 Months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
3 | New Deposits Only
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
18 Months
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
535 Broadhollow Rd Ste A4, Melville, NY 11747
18 Month CD for New Member
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
max $10,000
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY 13413 4953
18 Months
$500
4.00%
▼
Rate3.94%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
18 Month CD
$2,500
3.95%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 18 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
18 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
18 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
Business 18 Month CD
$2,000
3.90%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedJul 20, 2026
Details
APY (Annual Percentage Yield) based on balances of $2,000 or more. Rates effective 5/22/26
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
18 Month Variable Rate IRA
$0
3.79%
▼
Rate3.72%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
18-month Certificate
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
18 Month
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
256 Hoosick St, Troy, NY 12180
18 Month Bump Up
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Bump Up
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
18 Months CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
18 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
1 M And T Plz, Buffalo, NY 14203
18-Month M&T Select CD
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
18 Month CD
$5,000
3.60%
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedJul 11, 2026
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificate 18 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
18 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
18 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
2998 Chili Ave, Rochester, NY 14624 4537
18 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Jumbo
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
18 months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit - 18 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY 13790
18 months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
Share Certificates 18 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.27%
2525 Military Rd, Niagara Falls, NY 14304
KIDS Account Certificate 18 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY 14224
Jumbo Term Share (Certificate) 18 Month
$99,000
3.44%
▼
Rate3.40%
Min Deposit$99,000
Min Balance—
UpdatedJul 23, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
18 Month IRA
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY 14224
Term Share (Certificate) 18 Month
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
18 Month CD and IRA
$0
3.35%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
18 Month Wild Card IRA
$0
3.35%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
18-month
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJul 25, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
1616 Broadway, Schenectady, NY 12306
18 months*
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificate 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 18 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
464 Fairview Ave, Hudson, NY 12534
18 Month Business
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
18 month SC
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Radius Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2853 Delaware Ave, Kenmore, NY 14217 2719
18 months
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Certificates (CDs) minimum account balance $250 and up
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
New York 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
24-month
$50,000
4.34%
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
UpdatedJul 25, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
2-YEAR TREASURY INDEXED CD
$0
4.23%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Variable yield account with no cap.
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 Commerce St, Poughkeepsie, NY 12603
24-Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
24 Month Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
24 Months
$0
4.00%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
24 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 24 Months
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
2 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Credit Quarterly
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
24-Month
$0
3.85%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
24-Month Certificate
$0
3.85%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
24 Month New Money CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CD 24 months
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Exclusively for Premier clients. Minimum deposit of $1,000 is required.
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
24 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
24 month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
24 Month CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Online CDs Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
24 months Online CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Fixed interest rate. Minimum deposit of $1,000 is required. Easy account opening and convenient management via online banking. You get peace of mind because your savings are covered by our $0 Liability Online, Guarantee. Annual Percentage Yields (APYs) are accurate as of 7/11/2026 and apply for the initial term only. A penalty may be imposed for early withdrawal. Account is not available to business customers. You may perform a one-time deposit or withdrawal of funds during your grace period without being assessed an early withdrawal penalty. The grace period will end on the day you provide an instruction to change the term or perform a transaction.
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
24 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
24 months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Penalty for early withdrawal: 6 Months Dividends
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
2-year TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
Dulles State Office Building, WATERTOWN, NY 13601
24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificate 24 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
24 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
24 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY 13209
24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
1 1/2 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
2-year Roth IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY 13413 4953
24 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
2-year IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
2-year Certificate
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
24 Month CD
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
24 Months Term
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
24 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
24 Month Plus
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
Share Certificates 24 Months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
207 Genesee St, Utica, NY 13501
2 Years
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
IRA Term Share Certificate 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
24 Month Plus
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
24 months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
24 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
24 Mo Share Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
755 Co Op City Blvd, Bronx, NY 10475
Share Certificate 24-Month
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
24 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificate 24 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificate Sapling** (24 months)
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
Sapling** (24 months)
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
2 Years
$250
3.50%
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
Sawyer Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
87 Market St, Saugerties, NY 12477
24 Month
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
24 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
New York 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
36 Months
$0
4.25%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
1 Commerce St, Poughkeepsie, NY 12603
36-Month CD
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Penalty for early withdrawal: 9 Months Dividends
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificate 36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificates 36 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
36 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ed-Med Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
601 FORD ST, OGDENSBURG, NY 13669
36 MONTH SHARE CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
Share Certificates 36 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY 13413 4953
3 Year IRA Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Compounded/Credited: Qrtly/Qrtly
UGEFCU
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
215 Old Campion Rd, New Hartford, NY 13413 4953
36 Months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
3-year Certificate
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
3 Year
$0
3.72%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Credit Quarterly
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
36 months
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
IRA Term Share Certificate 36 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
36 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
36 Month Plus
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
36-Month
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
36-Month Certificate
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY 13209
36 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY 14224
Jumbo Term Share (Certificate) 36 Month
$99,000
3.55%
▼
Rate3.50%
Min Deposit$99,000
Min Balance—
UpdatedJul 23, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
36 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificate 36 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
12837 Route 438, Irving, NY 14081
36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
3-year TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY 13790
3 years
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
36 Month Certificate of Deposit
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
3 Years
$250
3.50%
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 36 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
36 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
36 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
3-year Roth IRA TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
211 Wilkinson St, Syracuse, NY 13204
3-year IRA TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
3-year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
36 Month CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
36 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
36 Months Term
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
36 Month Plus
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1937 Union Rd, West Seneca, NY 14224
Term Share (Certificate) 36 Month
$2,500
3.49%
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
UpdatedJul 23, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
36 Month CD and IRA
$0
3.45%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
36 Month Plus Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
36 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 0.11%
7181 SENECA St, EAST AURORA, NY 14052 0018
36 Month Jumbo Share Certificate
$100,000
3.35%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedJul 16, 2026
Details
Dividend Paid Monthly
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
All certificate dividends are compounded daily, and the dividends are credited monthly. Rates are subject to change without notice. Early withdrawals are permitted subject to a penalty which may reduce the principal. The feature to add to existing CDs is no longer available. Penalties for Early Termination are 30 days for every 12 month maturity (i.e. 30 day penalty for 3, 6 and 12 month CD's, 60 days for 24 month CD's, 90 days for 36 month, 120 days for 48 month and 150 days for 60 month)
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
36 Mo IRA Cert
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
36 Mo Share Cert
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
21 N Portage St, Westfield, NY 14787
36 Month Certificate
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
Compounded Quarterly
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
36 Months IRA Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
New York 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
48 Months
$0
4.25%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
325 Washington Avenue Ext, Albany, NY 12205 5581
48 month (with step up option)
$0
3.92%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
step up option
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
4 Year
$0
3.77%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Credit Quarterly
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
4-year Certificate
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
IRA Term Share Certificate 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
48 Month Plus
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
48-Month
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
48-Month Certificate
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
48 Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
All certificate dividends are compounded daily, and the dividends are credited monthly. Rates are subject to change without notice. Early withdrawals are permitted subject to a penalty which may reduce the principal. The feature to add to existing CDs is no longer available. Penalties for Early Termination are 30 days for every 12 month maturity (i.e. 30 day penalty for 3, 6 and 12 month CD's, 60 days for 24 month CD's, 90 days for 36 month, 120 days for 48 month and 150 days for 60 month)
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
12837 Route 438, Irving, NY 14081
48 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
48 Month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificate 48 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
48 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
48 Month Plus
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
48 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
48 Months Term
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
4-year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
48 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 48 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
4 Years
$250
3.50%
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY 13209
48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
48 Month Plus Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
48 month SC
$1,000
3.24%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
48 Month IRA
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate Accounts 4 Year
$0
3.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
9-Month Penalty for Early Withdrawal
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
48 Month CD
$0
3.08%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
4-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
APY is fixed for a 48-month term.
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
48 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
48 Mo Share Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate Accounts 4 Year
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
9-Month Penalty for Early Withdrawal
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
1099 Morton Blvd, Kingston, NY 12401
IRA Certificate 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
48 Month Certificates and IRA
$500
2.94%
▼
Rate2.91%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate Accounts 4 Year
$0
2.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
9-Month Penalty for Early Withdrawal
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
600 Thayer Rd, West Point, NY 10996 1726
4 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.81%
464 Fairview Ave, Hudson, NY 12534
48 Month Business
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
48 Month IRA Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
48 Month Share Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
45 Atlantic Ave, Oceanside, NY 11572 2035
4 Year Youth Certificate
$100
2.75%
▼
Rate2.72%
Min Deposit$100
Min Balance—
UpdatedJul 24, 2026
Details
Penalty may apply for early withdrawals from Certificates.
New York 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
60 Month Business Certificate Account
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
60 Month Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
591 E Main St, Bay Shore, NY 11706 8505
60 Month IRA Certificate
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
2500 Westchester Ave, Purchase, NY 10577 2587
60 MONTHS
$100
4.15%
▼
Rate4.07%
Min Deposit$100
Min Balance—
UpdatedJul 24, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
60-Month Certificate
$0
3.92%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificate 60 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificates 60 Months
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
5 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Credit Quarterly
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
60 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
Share Certificates 60 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
IRA Term Share Certificate 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
5-year Certificate
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
60-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
2373 South Rd, Poughkeepsie, NY 12601 5585
60-Month Certificate
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
60 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
5 Murray St, Glens Falls, NY 12801
60 Month Certificate of Deposit
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
60 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
2488 State Route 11, Mooers, NY 12958
HSA Certificate 60 months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
12837 Route 438, Irving, NY 14081
60 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
33 57 Harrison St, Johnson City, NY 13790
5 years
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
5 Years
$250
3.50%
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedJul 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
Business 60 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
60 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
5-year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
60 Month CD and IRA
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
60 Months Term
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
1916 Black River Blvd N, Rome, NY 13440 2430
60 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
60 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
ACMG Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
1753 Milton Ave, Solvay, NY 13209
60 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
1030 Craft Rd, Ithaca, NY 14850
60 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
3.5-Year Bump Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
60 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate Accounts 5 Year
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
9-Month Penalty for Early Withdrawal
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
60 month SC
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
60 Month CD
$0
3.23%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.55%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate Accounts 5 Year
$0
3.16%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
9-Month Penalty for Early Withdrawal
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
60 Month IRA
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
Business 60 Month Variable Rate Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
127 Main St, Canton, NY 13617
60-Month CD
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY 10036 2508
60-Month Certificate
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
60 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
60 Mo Share Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 25, 2026
Details
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MonitorBankRates
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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New York CD Rate Trends
Compare local New York CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NY Avg
2.172%
▼ 0.018 vs 7 days ago
New York 12-month CD rates fell 0.018 points over the past 7 days to 2.172% APY.
6-Month CD — NY Avg
1.861%
▼ 0.005 vs 7 days ago
New York 6-month CD rates fell 0.005 points over the past 7 days to 1.861% APY.
As of Jul 27, 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 July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.172%
6-Month Forecast
2.172%
Range: 1.97% – 2.32%
12-Month Forecast
1.922%
Range: 1.72% – 2.07%
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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 | 1.475% | $73.76 | $147.51 | $368.78 | $737.55 |
| 6-Month CD | 1.861% | $93.05 | $186.09 | $465.23 | $930.45 |
| 12-Month CD | 2.172% | $108.60 | $217.19 | $542.98 | $1,085.95 |
| 18-Month CD | 2.113% | $105.67 | $211.34 | $528.35 | $1,056.70 |
| 24-Month CD | 2.011% | $100.55 | $201.09 | $502.73 | $1,005.45 |
| 36-Month CD | 1.828% | $91.38 | $182.75 | $456.88 | $913.75 |
| 48-Month CD | 1.955% | $97.77 | $195.54 | $488.85 | $977.70 |
| 60-Month CD | 2.055% | $102.74 | $205.48 | $513.70 | $1,027.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for 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 | 1.475% | $73.76 |
| 2 | 6-Month CD | $5,000 | 1.861% | $93.05 |
| 3 | 12-Month CD | $5,000 | 2.172% | $108.60 |
| 4 | 24-Month CD | $5,000 | 2.011% | $100.55 |
| 5 | 36-Month CD | $5,000 | 1.828% | $91.38 |
| Total ($25,000 invested) | $25,000 | 1.869% blended | $467.34/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.
912
CD Rates
Tracked in New York
Tracked in New York
54 Banks
74 Credit Unions
About Our New York CD Rate Database
MonitorBankRates tracks 912 CD rates from 54 banks and 74 credit unions with locations in New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Generations United Federal Credit Union offers a CD at 4.34% APY with a minimum deposit of $50,000. Use the rate table above to compare all current offers in New York.
How to Find the Best CD Rates in New York
What to compare when shopping for a CD in New York
To find the best APYs in New York, start with credit unions and online-only banks — New York has 74 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 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 New York — 128 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → New York savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → New York money market rates
New York Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$50,891
National avg: $47,340
Poverty Rate
14.0%
National avg: 11.1%
Unemployment Rate
6.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$111/yr
At NY 12-mo avg 2.172% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 2.172%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $111 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 New York
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in 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 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 New York as everywhere in the U.S.
Choosing a CD Term in 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 New York savers easier access to their funds. For example, UGEFCU is offering its 6 Months at 4.15% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, FourLeaf Federal Credit Union is offering its 60 Month Business Certificate Account at 4.15% 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 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 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 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 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 New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 New York
Are CD rates in New York FDIC insured?
Yes, most established banks in 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 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 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 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 New York?
Here are recent top rates found for this area:
- Generations United Federal Credit Union: 4.34% APY (24-month)
- Pittsford Federal Credit Union: 4.25% APY (36 Months)
- Ridgewood Savings Bank: 4.23% APY (2-YEAR TREASURY INDEXED CD)
- UGEFCU: 4.15% APY (6 Months)
- FourLeaf Federal Credit Union: 4.15% APY (60 Month Business Certificate Account)
- Maspeth Federal S&L: 4.15% APY (6 Month CD and IRA)
- Quorum Federal Credit Union: 4.15% APY (60 MONTHS)
- Newtek Bank: 4.10% APY (12 Month CD)
- Mohawk Valley Federal Credit Union: 4.07% APY (18 month)
- Municipal Credit Union: 4.07% APY (12 Month Share Certificate K New Money)
Rates reflect recent verified offers available in New York. Last Updated: July 25, 2026
CD Calculators for New York
New York CD Calculator
At today’s NY top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
New York CD LadderNY CD rates currently range from 1.475% (3-month) to 1.828% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New York CD at 4.34% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew York’s average 12-month CD is 2.172% 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 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 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 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: July 25, 2026
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