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CD Rate Trends

New York Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

New York CD rates range from 2.75% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current New York CD rates include Cornerstone Community Federal Credit UnionCornerstone Community Federal Credit Union55 Stevens St, Lockport, NY 14094 4229B+4.8 ★Texas Ratio: 17.18%Real return: +2.30%APY minus CPIRate verified Oct 23, 2026 offering 6 Month Youth Share Certificate at 6.00% APY, Italo American Credit UnionItalo American Credit Union6652 Myrtle Ave, Glendale, NY 11385 7057A+5.0 ★Texas Ratio: 0.00%Real return: +1.55%APY minus CPIRate verified Oct 19, 2026 offering 5 Year Regular IRA And Roth IRA CD at 5.25% APY, Empower Federal Credit UnionEmpower Federal Credit Union15 E Genesee St, Baldwinsville, NY 13027 2534A5.0 ★Texas Ratio: 7.78%Real return: +1.30%APY minus CPIRate verified Oct 22, 2026 offering Share Certificate - 6 Months at 5.00% APY, Syracuse Fire Department Employees Federal Credit UnionSyracuse Fire Department Employees Federal Credit Union211 Wilkinson St, Syracuse, NY 13204A+5.0 ★Texas Ratio: 3.25%Real return: +1.30%APY minus CPIRate verified Oct 23, 2026 offering 6-month TSC at 5.00% APY, and Quorum Federal Credit UnionQuorum Federal Credit Union2500 Westchester Ave, Purchase, NY 10577 2587A5.0 ★Texas Ratio: 11.76%Real return: +1.30%APY minus CPIRate verified Oct 23, 2026 offering 48-Month Certificate at 5.00% APY. CD rates as of October 23, 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 6.00% APY from Cornerstone Community Federal Credit Union at 55 Stevens St, Lockport, NY 14094 4229. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in New York

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New York 3 Month CD Rates

MonitorBankRates New York Average · 3 Month CD2.08% APY▲ 0.02% from last weekNational 2.13%
View 3-month CD rate trend

The average 3-month CD rate in New York is 2.08% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
3 Month Certificate
$2,500
4.50% ▲ 2.42% above New York avg
View
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.42% above avgNationally 2.13%
Details

Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
0.20%3.43%6.65%Oct 13, 2026: 2.35% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 2.35%
  • Oct 13, 20262.35%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
3 Month CD
$0
4.30% ▲ 2.22% above New York avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 2.22% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.15% APYOct 14, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 4.15%
  • Oct 1, 20264.15%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificate - 3 Months
$0
4.23% ▲ 2.15% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.15% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.08%4.73%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.02% APYOct 23, 2026: 4.23% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.23%▲ from 4.02%
  • Oct 15, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
3 Month Share Certificate
$0
4.20% ▲ 2.12% above New York avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 17, 2026: 4.05% APYOct 23, 2026: 4.20% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
Share Certificate - 3 Months
$0
4.20% ▲ 2.12% above New York avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details

Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 17, 2026: 4.05% APYOct 23, 2026: 4.20% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
Consumer Certificate of Deposit - 3 Months
$0
4.10% ▲ 2.02% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 2.02% above avgNationally 2.13%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
3-Month CD Special
$0
4.06% ▲ 1.98% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.98% above avgNationally 2.13%
Details

Compounded: Simple; Minimum opening deposit $500; maximum deposit $1,000,000; additional terms apply; available at any Adirondack Trust Company retail branch; IRA accounts are not subject to the minimum balance requirement

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 24, 2026: 3.80% APYOct 14, 2026: 4.06% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.06%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificate - 3 Months
$0
4.03% ▲ 1.95% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.95% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.03% ▲ 0.11 pts · high 4.03% / low 3.92%
3.42%3.98%4.53%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.02% APYOct 23, 2026: 4.03% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.03%▲ from 4.02%
  • Oct 15, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 3 Month
$0
4.00% ▲ 1.92% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.92% above avgNationally 2.13%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
102 S Ridge St, Rye Brook, NY 10573
3-month CD
$0
3.85% ▲ 1.77% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.77% above avgNationally 2.13%
Details

No minimum to open. Minimum balance to earn stated APY is $500.00. APY is accurate as of 9/25/2026.

Rate History
No change since Oct 22, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
4160 Main St Ste 103, Flushing, NY 11355
3-Month CD
$0
3.80% ▲ 1.72% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.72% above avgNationally 2.13%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch - 3 Month
$500
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
15 E Genesee St, Baldwinsville, NY 13027 2534
Share Certificate - 3 Month
$0
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Balance: $500-$2,499.99; Tier 1; Effective Date: October 01, 2026

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
4142 Hylan Blvd, Staten Island, NY 10308
3 Month Certificates Of Deposit
$0
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 3-month
$1,000
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
20935 Northern Blvd, Bayside, NY 11361
3 Month Certificate
$500
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Fixed rate

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
330 5th Ave, New York, NY 10001
WooriWON Certificate of Deposit (CD) - 3 Months
$1,000
3.70% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Certificate of Deposit - 3 months up to 6
$10,000
3.70% ▲ 1.62% above New York avg
View
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1441 South Ave, Staten Island, NY 10314
Certificate of Deposit - 3 Month
$1,000
3.70% ▲ 1.62% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1441 South Ave, Staten Island, NY 10314
IRA CD - 3 Month
$1,000
3.70% ▲ 1.62% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 25, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
150 East 45th Street, New York, NY 10017
3 Month CD
$0
3.65% ▲ 1.57% above New York avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.57% above avgNationally 2.13%
Details

Compounded Daily; Minimum balance of $1,500 is required to earn the posted APY

Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Share Certificates - 3 Month
$0
3.61% ▲ 1.53% above New York avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.53% above avgNationally 2.13%
Details

Minimum balance $500; Remarks: Credit Monthly

Rate History
No change since Oct 15, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 15, 2026: 3.61% APYOct 15, 2026Oct 25, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1377 Motor Pkwy, Islandia, NY 11749
Performance CDs - 3 month
$0
3.60% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.52% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
450 Broadway, New York, NY 10013
3-Month Certificate of Deposit
$500
3.55% ▲ 1.47% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.47% above avgNationally 2.13%
Details

Earn 3.55% APY on balances of $500 or more; $500 minimum daily balance required to obtain advertised APY; Fund with as much as $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 25, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
13629 38th Ave, Flushing, NY 11354
3 Month CD
$2,500
3.50% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details

High Yield Business CD; maximum deposit $250,000

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
495 Central Park Ave, Scarsdale, NY 10583
Star Relationship CD - 3 Month
$500
3.50% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details

Star Relationship CD

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
109 Bowery, New York, NY 10002
3 Month CD
$500
3.40% ▲ 1.32% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.32% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
3-Month Share Certificate
$1,000
3.35% ▲ 1.27% above New York avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.27% above avgNationally 2.13%
Details

Penalty for early withdrawal: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
Certificate of Deposit - 90 Day
$250
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
90 Day Regular Certificate
$0
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Effective October 22 through October 28, 2026; Youth minimum balance: $50

Rate History
No change since Oct 23, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
90 Day Youth Certificate
$50
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Effective October 22 through October 28, 2026; Youth minimum opening balance $50

Rate History
No change since Oct 23, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
3301 Country Club Rd, Endwell, NY 13760 3401
Share Certificate - 3-Month
$500
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
125 N Fulton St, Ithaca, NY 14850 3301
Certificate Shares - 3 months
$0
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.25% ▲ 0.21 pts · high 3.25% / low 3.04%
2.54%3.15%3.75%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1030 Craft Rd, Ithaca, NY 14850
3 Month Certificate
$100,000
3.25% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
Southern Chautauqua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
168 E Fairmount Ave, Lakewood, NY 14750
Traditional IRA 3 Months
$0
3.23% ▲ 1.15% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.15% above avgNationally 2.13%
Details

Rate Effective Date: 10/19/2026; Penalty for early withdrawal applies

Rate History
No change since Oct 23, 2026 · 3.23% APY
2.73%3.23%3.73%Oct 23, 2026: 3.23% APYOct 23, 2026Oct 25, 2026
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
4000 N Buffalo St, Orchard Park, NY 14127
3 Month Share Certificate Account
$0
3.19% ▲ 1.11% above New York avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.11% above avgNationally 2.13%
Details

Balance: $1,000 - >$50,000

Rate History
No change since Oct 22, 2026 · 3.19% APY · checked 2 times
2.69%3.19%3.69%Oct 22, 2026: 3.19% APYOct 22, 2026Oct 25, 2026
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1030 Craft Rd, Ithaca, NY 14850
3 Month Certificate
$25,000
3.10% ▲ 1.02% above New York avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 1.02% above avgNationally 2.13%
Details

Certificates with $25,000 minimum to open and earn APY

Rate History
1 change since Oct 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Oct 14, 2026: 3.00% APYOct 19, 2026: 3.10% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20263.10%▲ from 3.00%
  • Oct 14, 20263.00%first recorded
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
2831 31st St, Astoria, NY 11102
3 Month CD
$0
3.05% ▲ 0.97% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
2831 31st St, Astoria, NY 11102
IRA 3 Month CD
$0
3.05% ▲ 0.97% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.56%
30 Brunswick Rd, Depew, NY 14043
3 Month CD
$0
3.03% ▲ 0.95% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.95% above avgNationally 2.13%
Details

Yield column; CD Rates effective 6/5/2026 and subject to change without notice; Certificates of Deposit carry a penalty for early withdrawal

Rate History
No change since Oct 15, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 15, 2026: 3.03% APYOct 15, 2026Oct 25, 2026
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.56%
30 Brunswick Rd, Depew, NY 14043
CD 3 Months
$500
3.03% ▲ 0.95% above New York avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.95% above avgNationally 2.13%
Details

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

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 10 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 25, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
495 Central Park Ave, Scarsdale, NY 10583
Certificate of Deposit (CD) - 3 Month
$500
3.00% ▲ 0.92% above New York avg
View
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 25, 2026
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
183 Centre St, New York, NY 10013
Certificate of Deposit - 3 Months
$0
3.00% ▲ 0.92% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details

Balance: $2,500.00 - $100,000.00

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
Certificate of Deposit - 3 Months
$500
3.00% ▲ 0.92% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details

In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
Personal eCD 3 Months
$500
3.00% ▲ 0.92% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details

Available: Online

Rate History
No change since Oct 22, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY 12043 1263
Share Certificate - 3 month
$500
3.00% ▲ 0.92% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details

IRA not eligible; Dividends compounded monthly; Early withdrawal penalty may apply

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 25, 2026
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
1030 Craft Rd, Ithaca, NY 14850
3 Month Certificate
$500
3.00% ▲ 0.92% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details

Certificates with $500 minimum to open and earn APY

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
256 Hoosick St, Troy, NY 12180
Fixed Rate Certificate - 3 Month
$500
3.00% ▲ 0.92% above New York avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details

Rate History
No change since Oct 19, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 19, 2026: 3.00% APYOct 19, 2026Oct 25, 2026
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
325 Washington Avenue Ext, Albany, NY 12205 5581
3 Month Share Certificate
$0
3.00% ▲ 0.92% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details

Term: 3, 12, 15, 18, or 30-MONTH; Choose your term

Rate History
No change since Sep 27, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 27, 2026: 3.00% APYSep 27, 2026Oct 25, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
444 Madison Ave Fl 9, New York, NY 10022
CD - 3 Month
$0
2.94% ▲ 0.86% above New York avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 0.86% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 7 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 25, 2026

New York 6 Month CD Rates

MonitorBankRates New York Average · 6 Month CD2.82% APY▼ 0.03% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in New York is 2.82% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
6 Month Youth Share Certificate
$0
6.00% ▲ 3.18% above New York avg
View
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 3.18% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 5 times
5.50%6.00%6.50%Oct 5, 2026: 6.00% APYOct 5, 2026Oct 25, 2026
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
15 E Genesee St, Baldwinsville, NY 13027 2534
Share Certificate - 6 Months
$0
5.00% ▲ 2.18% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.78%
Details

Tier 1; Balance: $500-$2,499.99; Effective Date: October 01, 2026

Rate History
No change since Oct 22, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 25, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
6-month TSC
$1,000
5.00% ▲ 2.18% above New York avg
View
▼
Rate4.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.78%
Details

Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
3.00%4.50%6.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 5.00% APYSep 12, 2026Oct 25, 2026
  • Oct 12, 20265.00%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificate - 6 Months
$0
4.86% ▲ 2.04% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 2.04% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.86% ▲ 1.01 pts · high 4.86% / low 3.85%
2.84%4.36%5.87%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYOct 15, 2026: 4.86% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.86%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificate - 6 Months
$0
4.75% ▲ 1.93% above New York avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.93% above avgNationally 2.78%
Details

Rate History
3 changes since Sep 14, 2026 · 3.85% → 4.75% ▲ 0.90 pts · high 4.86% / low 3.85%
2.84%4.36%5.87%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYOct 15, 2026: 4.86% APYOct 23, 2026: 4.75% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.75%▼ from 4.86%
  • Oct 15, 20264.86%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
730 S Crouse Ave, SYRACUSE, NY 13210 1754
Certificate - 6 Months
$0
4.60% ▲ 1.78% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.78% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.60% ▲ 0.75 pts · high 4.60% / low 3.85%
3.10%4.23%5.35%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
6 Month Jumbo Certificate
$0
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Effective October 22 through October 28, 2026

Rate History
1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 4, 2026: 4.25% APYOct 23, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.25%
  • Oct 4, 20264.25%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
6 Month Certificate
$1,000
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Account code 34; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Interest paid monthly; Share code 89

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate 6 Month
$0
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Interest paid monthly; minimum $50,000

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificate - 6 Month
$500
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Share code 69; Int. Monthly

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
112 State St, Albany, NY 12207
6 Month CD
$0
4.40% ▲ 1.58% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details

CD Rates; APY (Annual Percentage Yield)

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
112 State St, Albany, NY 12207
6 Months CD
$0
4.40% ▲ 1.58% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details

Certificates of Deposit Specials

Rate History
2 changes since Sep 24, 2026 · 3.40% → 4.40% ▲ 1.00 pts · high 4.40% / low 3.40%
2.40%3.90%5.40%Sep 24, 2026: 3.40% APYOct 14, 2026: 4.15% APYOct 20, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.40%▲ from 4.15%
  • Oct 14, 20264.15%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
6 Month Certificate of Deposit
$1,000
4.40% ▲ 1.58% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details

Minimum opening deposit $1,000; dividends paid at maturity

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 25, 2026: 4.15% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20264.40%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
6-Month Certificate
$100
4.40% ▲ 1.58% above New York avg
View
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details

Dividend rate 4.31%; Minimum balance to open and earn APY: $100

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.40%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 6 MONTH TERM ACCOUNT
$100
4.40% ▲ 1.58% above New York avg
View
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details

Certificate Accounts; 6-Month Term/IRA Term; Minimum Balance is required to open the account and to obtain the APY shown

Rate History
No change since Oct 15, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 15, 2026: 4.40% APYOct 15, 2026Oct 25, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
6 Month Share Certificate
$0
4.35% ▲ 1.53% above New York avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 17, 2026: 4.10% APYOct 23, 2026: 4.35% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.35%▲ from 4.10%
  • Sep 17, 20264.10%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
Share Certificate - 6 Months
$0
4.35% ▲ 1.53% above New York avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details

Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 17, 2026: 4.10% APYOct 23, 2026: 4.35% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.35%▲ from 4.10%
  • Sep 17, 20264.10%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
6 Month CD
$0
4.35% ▲ 1.53% above New York avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 25, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
13629 38th Ave, Flushing, NY 11354
6 Month CD
$2,500
4.30% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.48% above avgNationally 2.78%
Details

High Yield Business CD; maximum deposit $250,000

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
72 S Main St, Canandaigua, NY 14424
6 Month CNSaver Online CD
$1,000
4.25% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Minimum to open is $1,000; Must be opened online; Online Only; Auto Renewal Term: 6-month CNSaver Online CD; Rates are valid as of 10/14/2026

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
6 Month Regular Certificate
$0
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Effective October 22 through October 28, 2026; Youth minimum balance: $50

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
6 Month Youth Certificate
$50
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.16%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Effective October 22 through October 28, 2026; Youth minimum opening balance $50

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 25, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
6 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Glen Ave, Cooperstown, NY 13326 1122
6 Month Share Certificate
$0
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

6 Month ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
1616 Broadway, Schenectady, NY 12306
6 Month Certificate
$500
4.25% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Share Certificate; 4.25% APY based on 6 month certificate; must maintain $500 minimum balance to earn advertised rate; auto-renews at maturity; rate accurate as of August 3, 2026

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
1616 Broadway, Schenectady, NY 12306
6 Month Commercial Share Certificate
$500
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Additional Deposits Permitted

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
400 Park Ave, New York, NY 10022
Special 6-Month Fixed Rate CD
$10,000
4.23% ▲ 1.41% above New York avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.41% above avgNationally 2.78%
Details

New money deposits required; $10,000 minimum opening deposit

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
3.50%4.12%4.73%Oct 14, 2026: 4.00% APYOct 20, 2026: 4.23% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.23%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
6 Month Certificate of Deposit
$0
4.20% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.78%
Details

FDIC insurance: at least $250,000

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Bank CD - 6 Months
$0
4.20% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.78%
Details

Fixed APY; daily compounding; offered by Morgan Stanley Private Bank, National Association; Featured yields as of 10/22/2026

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit (CDs) - 6 Months
$0
4.20% ▲ 1.38% above New York avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 25, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
Consumer Certificate of Deposit - 6 Months
$0
4.15% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.33% above avgNationally 2.78%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
215 Old Campion Rd, New Hartford, NY 13413 4953
Share Certificates - 6 Months
$500
4.15% ▲ 1.33% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.33% above avgNationally 2.78%
Details

Compounded/Credited: Monthly/Monthly

Rate History
No change since Sep 25, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 25, 2026: 4.15% APYSep 25, 2026Oct 25, 2026
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1490 Franklin Ave, Mineola, NY 11501 4801
6 Month Certificate
$0
4.15% ▲ 1.33% above New York avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.33% above avgNationally 2.78%
Details

Certificates; Interest compounded quarterly

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYSep 22, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
New Money CD - 6 Month
$1,000
4.10% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.78%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 27, 2026: 4.05% APYOct 14, 2026: 4.10% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.10%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
6-Month Business CD
$2,500
4.10% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.78%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
6-Month CD
$2,500
4.10% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
6-Month CD Special
$0
4.04% ▲ 1.22% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.22% above avgNationally 2.78%
Details

Compounded: Simple; Minimum opening deposit $500; maximum deposit $1,000,000; additional terms apply; available at any Adirondack Trust Company retail branch; IRA accounts are not subject to the minimum balance requirement

Rate History
1 change since Sep 24, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
3.29%3.92%4.54%Sep 24, 2026: 3.79% APYOct 14, 2026: 4.04% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.04%▲ from 3.79%
  • Sep 24, 20263.79%first recorded
Spencerport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
2775 Spencerport rd, Spencerport, NY 14559
6 Month Certificate
$500
4.01% ▲ 1.19% above New York avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.19% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.71% → 4.01% ▲ 0.30 pts · high 4.01% / low 3.71%
3.21%3.86%4.51%Sep 14, 2026: 3.71% APYSep 29, 2026: 3.91% APYOct 23, 2026: 4.01% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.01%▲ from 3.91%
  • Sep 29, 20263.91%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
HSBC Wealth Center/Telephone CD - 6 Month
$1,000
4.00% ▲ 1.18% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
Online CD - 6 Month
$1,000
4.00% ▲ 1.18% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
Online Certificate of Deposit - 6 months
$1,000
4.00% ▲ 1.18% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Certificate of Deposit - 6 months up to 1 year
$1,000
4.00% ▲ 1.18% above New York avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1537 Milton Ave, Solvay, NY 13209
6 Month Certificate of Deposit Special
$500
4.00% ▲ 1.18% above New York avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Effective 10/01/26; minimum daily balance of $0.01 to obtain APY; penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Share & IRA Share Certificate - 6 Month
$500
4.00% ▲ 1.18% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Super Share Certificate - 6 Month
$500
4.00% ▲ 1.18% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY 13413 6207
6 Month Share Certificate
$0
4.00% ▲ 1.18% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Minimum balance to earn dividends

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 25, 2026
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY 13413 6207
6 Month Youth Share Certificate
$0
4.00% ▲ 1.18% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Minimum balance to earn dividends: $500.00

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 25, 2026
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
4451 Commercial Dr, New Hartford, NY 13413 6207
IRA Certificate - 6 Months
$0
4.00% ▲ 1.18% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Minimum balance to earn dividends: $1,000.00

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
390 W Seneca St, Sherrill, NY 13461
Share Certificate - 6 Months
$0
4.00% ▲ 1.18% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details

Balance: $1,000 & over; Share Certificate Minimum Balance: $1,000.00; Early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026

New York 12 Month CD Rates

MonitorBankRates New York Average · 12 Month CD3.05% APY▼ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in New York is 3.05% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
1 Year Youth Share Certificate
$0
5.50% ▲ 2.45% above New York avg
View
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 2.45% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 5 times
5.00%5.50%6.00%Oct 5, 2026: 5.50% APYOct 5, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
12 Month Jumbo Certificate
$0
4.60% ▲ 1.55% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.55% above avgNationally 2.99%
Details

Effective October 22 through October 28, 2026

Rate History
1 change since Oct 4, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%
4.00%4.55%5.10%Oct 4, 2026: 4.50% APYOct 23, 2026: 4.60% APYOct 4, 2026Oct 25, 2026
  • Oct 23, 20264.60%▲ from 4.50%
  • Oct 4, 20264.50%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
12 Month CD
$0
4.60% ▲ 1.55% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 1.55% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 24, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
3.75%4.43%5.10%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYOct 19, 2026: 4.60% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.60%▲ from 4.50%
  • Oct 6, 20264.50%▲ from 4.40%
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
1 Year Certificate
$500
4.58% ▲ 1.53% above New York avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.53% above avgNationally 2.99%
Details

Early withdrawal penalty: 120 days simple interest for one year

Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 5, 2026: 4.58% APYOct 5, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
12 Month Certificate of Deposit
$0
4.55% ▲ 1.50% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.75% → 4.55% ▼ 0.20 pts · high 4.75% / low 4.55%
4.05%4.65%5.25%Oct 8, 2026: 4.75% APYOct 22, 2026: 4.55% APYOct 8, 2026Oct 25, 2026
  • Oct 22, 20264.55%▼ from 4.75%
  • Oct 8, 20264.75%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Bank CD - 12 Months
$0
4.55% ▲ 1.50% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
Details

Fixed APY; daily compounding; offered by Morgan Stanley Private Bank, National Association; Featured yields as of 10/22/2026

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit (CDs) - 12 Months
$0
4.55% ▲ 1.50% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 25, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth Conversion IRA TSC
$1,000
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Roth Conversion IRA certificate; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
1-year Roth IRA TSC
$1,000
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Roth IRA; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
1-year TSC
$1,000
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
Traditional IRA 1-year TSC
$1,000
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 23, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 25, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
12 Month Share Certificate
$0
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 17, 2026: 4.00% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
IRA & ESA Certificate 12 Months
$0
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Traditional & Roth IRA minimum balance $1,000. Coverdell ESA minimum balance $500. Penalty may apply for early withdrawal. Rates effective as of 10/16/26.

Rate History
1 change since Oct 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 12, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 12, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 12, 20264.00%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
Share Certificate - 12 Months
$0
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 17, 2026: 4.00% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
12 Month Certificate
$1,000
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Account code 32; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates - 12 Month
$500
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Interest paid monthly; Share code 83

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
Jumbo Certificate 12 Month
$0
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Interest paid monthly; minimum $50,000

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
ROTH IRA Share Certificate - 12 Month
$500
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Share code 63; Int. Monthly

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
12-Month Certificate
$100
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Dividend rate 4.41%; Minimum balance to open and earn APY: $100

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 14, 2026: 4.35% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.50%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 12 MONTH TERM ACCOUNT
$100
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

12-Month Term/IRA Term; Certificate Account; Balance: $100.00 minimum to open and earn APY

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 14, 2026: 4.35% APYOct 15, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.50%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
1 Year Regular IRA And Roth IRA CD
$0
4.50% ▲ 1.45% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 25, 2026
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
411 Theodore Fremd Ave, Rye, NY 10580
12 Month Certificate
$0
4.50% ▲ 1.45% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Special Rate; Featured rate - see all rate specials

Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
3.86%4.43%5.00%Sep 14, 2026: 4.36% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20264.50%▲ from 4.36%
  • Sep 14, 20264.36%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
12 Month High-Yield CD
$500
4.40% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.35% above avgNationally 2.99%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 22, 2026: 3.90% APYOct 1, 2026: 4.40% APYSep 22, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
New Money CD - 12 Month
$1,000
4.40% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.35% above avgNationally 2.99%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 27, 2026: 4.35% APYOct 14, 2026: 4.40% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.35%
  • Sep 27, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
12 Month Certificate of Deposit
$1,000
4.40% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.35% above avgNationally 2.99%
Details

Minimum opening deposit $1,000; dividends paid at maturity

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 25, 2026: 4.15% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20264.40%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
400 Park Ave, New York, NY 10022
Special 12-Month Fixed Rate CD
$2,500
4.39% ▲ 1.34% above New York avg
View
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.34% above avgNationally 2.99%
Details

New money deposits required; $2,500 minimum opening deposit

Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
3.61%4.25%4.89%Oct 14, 2026: 4.11% APYOct 20, 2026: 4.39% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.39%▲ from 4.11%
  • Oct 14, 20264.11%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.30% above New York avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.30% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
12 Month Regular Certificate
$0
4.35% ▲ 1.30% above New York avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.30% above avgNationally 2.99%
Details

Effective October 22 through October 28, 2026; Youth minimum balance: $50

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
12 Month Youth Certificate
$50
4.35% ▲ 1.30% above New York avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.30% above avgNationally 2.99%
Details

Effective October 22 through October 28, 2026; Youth minimum opening balance $50

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 25, 2026
MyBankingDirect.com
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12 Westchester Sq, Bronx, NY 10461
12-Month CD
$500
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

Limited-time CD rate; APY accurate as of 10/19/2026; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs; must present offer at account opening; online at flagstar.com

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
HSBC Wealth Center/Telephone CD - 12 Month
$1,000
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
Online CD - 12 Month
$1,000
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
Online Certificate of Deposit - 12 months
$1,000
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
12-Month Business CD
$500
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
12-Month CD
$500
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 12 Months
$0
4.27% ▲ 1.22% above New York avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.22% above avgNationally 2.99%
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 8, 2026 · 3.44% → 4.27% ▲ 0.83 pts · high 4.27% / low 3.44%
2.61%3.86%5.10%Sep 8, 2026: 3.44% APYSep 18, 2026: 4.06% APYOct 2, 2026: 4.27% APYSep 8, 2026Oct 25, 2026
  • Oct 2, 20264.27%▲ from 4.06%
  • Sep 18, 20264.06%▲ from 3.44%
  • Sep 8, 20263.44%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
12 Month Youth Share Certificate
$100
4.26% ▲ 1.21% above New York avg
View
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.21% above avgNationally 2.99%
Details

Youth Share Certificate (up to age 17); Minimum to open: $100; maximum yearly deposit $30,000

Rate History
No change since Oct 15, 2026 · 4.26% APY · checked 2 times
3.76%4.26%4.76%Oct 15, 2026: 4.26% APYOct 15, 2026Oct 25, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
Consumer Certificate of Deposit - 12 Months
$0
4.25% ▲ 1.20% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
72 S Main St, Canandaigua, NY 14424
12 Month CNSaver Online CD
$1,000
4.25% ▲ 1.20% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Minimum to open is $1,000; Must be opened online; Online Only; Auto Renewal Term: 6-month CNSaver Online CD; Rates are valid as of 10/14/2026

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Seneca Savings
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
35 Oswego St, Baldwinsville, NY 13027
6-12 Month Certificate of Deposit
$25,000
4.25% ▲ 1.20% above New York avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Certificate of Deposit Special; You pick your term: 6 or 12 months; No new money required; Must be a new CD funded of at least $25,000 to qualify; Early withdrawal penalties may apply; Rate is effective 8/25/2026

Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1441 South Ave, Staten Island, NY 10314
Certificate of Deposit - 12 Month
$1,000
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
1 change since Sep 11, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 11, 2026: 3.70% APYSep 24, 2026: 4.25% APYSep 11, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 3.70%
  • Sep 11, 20263.70%first recorded
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
1441 South Ave, Staten Island, NY 10314
IRA CD - 12 Month
$1,000
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
1 change since Sep 19, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 19, 2026: 3.70% APYSep 24, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 3.70%
  • Sep 19, 20263.70%first recorded
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
20935 Northern Blvd, Bayside, NY 11361
12 Month Certificate
$500
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Fixed rate

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY 12883 3106
Trailblazer - 12 Months
$0
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 25, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
12 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 12 Months
$50
4.25% ▲ 1.20% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
45 Atlantic Ave, Oceanside, NY 11572 2035
1 Year Certificate
$500
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Share Certificate; penalty may apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
45 Atlantic Ave, Oceanside, NY 11572 2035
1 Year IRA Certificate
$500
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

IRA Share Certificate; penalty may apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Ocean Financial Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.96%
45 Atlantic Ave, Oceanside, NY 11572 2035
1 Year Youth Certificate
$100
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.17%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Youth Share Certificate; penalty may apply for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Glen Ave, Cooperstown, NY 13326 1122
1 Year IRA Certificate
$0
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

1 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026

New York 18 Month CD Rates

MonitorBankRates New York Average · 18 Month CD2.93% APY▼ 0.04% from last weekNational 2.88%
View 18-month CD rate trend

The average 18-month CD rate in New York is 2.93% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
18 Month CD
$0
4.75% ▲ 1.82% above New York avg
View
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 1.82% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYOct 19, 2026: 4.75% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.75%▲ from 4.65%
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
18 Month Certificate of Deposit
$0
4.55% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.40% → 4.55% ▲ 0.15 pts · high 4.55% / low 4.40%
3.90%4.48%5.05%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.55% APYOct 8, 2026Oct 25, 2026
  • Oct 22, 20264.55%▲ from 4.40%
  • Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Bank CD - 18 Months
$0
4.55% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
Details

Fixed APY; daily compounding; offered by Morgan Stanley Private Bank, National Association; Featured yields as of 10/22/2026

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit (CDs) - 18 Months
$0
4.55% ▲ 1.62% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 25, 2026
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
15 E Genesee St, Baldwinsville, NY 13027 2534
Share Certificate - 18 Month
$0
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Balance: $500-$2,499.99 - Tier 1

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
18-month Roth IRA TSC
$1,000
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Roth IRA; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
18-month TSC
$1,000
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
211 Wilkinson St, Syracuse, NY 13204
Traditional IRA 18-month TSC
$1,000
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 23, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 25, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
18 Month Share Certificate
$0
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
3.30%4.20%5.10%Sep 17, 2026: 3.90% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 3.90%
  • Sep 17, 20263.90%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
1753 Milton Ave, Solvay, NY 13209
Share Certificate - 18 Months
$0
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
3.30%4.20%5.10%Sep 17, 2026: 3.90% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 3.90%
  • Sep 17, 20263.90%first recorded
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
7921 Metropolitan Ave, Middle Village, NY 11379
18 Month Variable Rate IRA
$100
4.46% ▲ 1.53% above New York avg
View
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.53% above avgNationally 2.88%
Details

Variable rate: rate and APY adjusted per the 1 Year Treasury Constant Maturities as published by the Federal Reserve; IRA only

Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
3.65%4.31%4.96%Sep 19, 2026: 4.15% APYOct 7, 2026: 4.46% APYSep 19, 2026Oct 25, 2026
  • Oct 7, 20264.46%▲ from 4.15%
  • Sep 19, 20264.15%first recorded
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
128 E 4th St, Dunkirk, NY 14048
18-Month CD
$500
4.44% ▲ 1.51% above New York avg
View
▼
Rate4.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.51% above avgNationally 2.88%
Details

New money only; financial institutions ineligible

Rate History
No change since Oct 14, 2026 · 4.44% APY · checked 3 times
3.94%4.44%4.94%Oct 14, 2026: 4.44% APYOct 14, 2026Oct 25, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
18 Month High-Yield CD
$500
4.40% ▲ 1.47% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.47% above avgNationally 2.88%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
Certificate of Deposit - 1 1/2 Years (18 Months)
$250
4.40% ▲ 1.47% above New York avg
View
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.47% above avgNationally 2.88%
Details

Term: 1 1/2 Years (18 Months)

Rate History
No change since Oct 22, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 18 Months
$0
4.37% ▲ 1.44% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.44% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 8, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
3.56%4.22%4.87%Sep 8, 2026: 4.06% APYSep 18, 2026: 4.22% APYOct 2, 2026: 4.37% APYSep 8, 2026Oct 25, 2026
  • Oct 2, 20264.37%▲ from 4.22%
  • Sep 18, 20264.22%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
18 Month Certificate of Deposit
$500
4.35% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
Details

In-Branch; APY effective as of 10/20/2026

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 20, 2026: 3.90% APYOct 22, 2026: 4.35% APYSep 20, 2026Oct 25, 2026
  • Oct 22, 20264.35%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
Certificate of Deposit - 18 Months
$500
4.35% ▲ 1.42% above New York avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
Details

In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 14, 2026: 3.90% APYOct 22, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.35%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
Personal eCD 18 Months
$500
4.35% ▲ 1.42% above New York avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
Details

Available: Online

Rate History
No change since Oct 22, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 18 Months
$0
4.32% ▲ 1.39% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.39% above avgNationally 2.88%
Details

Balance: $50,000.00

Rate History
3 changes since Sep 8, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 8, 2026: 4.06% APYSep 18, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 2, 2026: 4.32% APYSep 8, 2026Oct 25, 2026
  • Oct 2, 20264.32%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 18, 20264.16%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
Consumer Certificate of Deposit - 18 Months
$0
4.30% ▲ 1.37% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.37% above avgNationally 2.88%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
18-Month CD - Promo
$0
4.30% ▲ 1.37% above New York avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.37% above avgNationally 2.88%
Details

Promotional product; can be discontinued at any time

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
125 State St, Albany, NY 12207
18 Month TD Choice CD
$250
4.25% ▲ 1.32% above New York avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 18 Months
$50
4.25% ▲ 1.32% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
18-Month CD
$500
4.25% ▲ 1.32% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
125 State St, Albany, NY 12207
18 Month TD Choice CD
$250
4.24% ▲ 1.31% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.31% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Share Certificates - 18 Month
$0
4.18% ▲ 1.25% above New York avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.25% above avgNationally 2.88%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 15, 2026: 4.18% APYOct 15, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 18 Months
$0
4.16% ▲ 1.23% above New York avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.23% above avgNationally 2.88%
Details

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
3.51%4.09%4.66%Sep 8, 2026: 4.01% APYSep 24, 2026: 4.16% APYSep 8, 2026Oct 25, 2026
  • Sep 24, 20264.16%▲ from 4.01%
  • Sep 8, 20264.01%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
18 Month Short-Term Certificate
$0
4.15% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
6611 Manlius Center Rd, East Syracuse, NY 13057
18 Month CD Special with Active Account
$0
4.15% ▲ 1.22% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details

Balance: $100,000 and over; Special with Active Account

Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 11 times
3.65%4.15%4.65%Sep 8, 2026: 4.15% APYSep 8, 2026Oct 25, 2026
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1178 NYS Route 9N, Ticonderoga, NY 12883 3106
Trailblazer - 18 Months
$0
4.15% ▲ 1.22% above New York avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 25, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
18 Month Certificate
$500
4.13% ▲ 1.20% above New York avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.20% above avgNationally 2.88%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
1 change since Oct 15, 2026 · 4.08% → 4.13% ▲ 0.05 pts · high 4.13% / low 4.08%
3.58%4.11%4.63%Oct 15, 2026: 4.08% APYOct 23, 2026: 4.13% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20264.13%▲ from 4.08%
  • Oct 15, 20264.08%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
18 Month Short-Term Certificate
$0
4.10% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 18 Month Jumbo
$0
4.10% ▲ 1.17% above New York avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 21, 2026: 3.60% APYSep 29, 2026: 4.10% APYSep 21, 2026Oct 25, 2026
  • Sep 29, 20264.10%▲ from 3.60%
  • Sep 21, 20263.60%first recorded
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
2525 Military Rd, Niagara Falls, NY 14304
18 Month Regular Certificate
$0
4.10% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details

REGULAR Minimum Balance: $1000

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
207 Genesee St, Utica, NY 13501
18-Month Certificate IRA
$1,000
4.07% ▲ 1.14% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 10 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
18 Month Traditional Share Certificate
$1,000
4.07% ▲ 1.14% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.14% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
6611 Manlius Center Rd, East Syracuse, NY 13057
18 Month CD Special with Active Account
$0
4.05% ▲ 1.12% above New York avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.12% above avgNationally 2.88%
Details

Balance: $1,000 to $99,999; Special with Active Account

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 11 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 25, 2026
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
264 E Merrick Rd, Valley Stream, NY 11580 6034
18 Month Certificates
$100
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Business Certificates - 18-Month
$100
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
81 Water St, Staten Island, NY 10304
18-Month CD
$500
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
7 Edward J Lempka Dr, Florida, NY 10921
Private 18 Month CD
$0
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Limited time offer; Balance: $500+; Open to existing or new Private Checking account holders

Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
0.00%3.99%7.98%Sep 9, 2026: 0.02% APYOct 2, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 2, 20264.00%▲ from 0.02%
  • Sep 9, 20260.02%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
1026 Conklin Rd, Conklin, NY 13748
Certificates of Deposit - 18 Month Pick Your Term
$5,000
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Balance Required to Obtain APY: $5,000 or more

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
112 State St, Albany, NY 12207
18 Months CD
$0
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Certificates of Deposit Specials

Rate History
3 changes since Sep 19, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYOct 14, 2026: 3.50% APYOct 20, 2026: 4.00% APYSep 19, 2026Oct 25, 2026
  • Oct 20, 20264.00%▲ from 3.50%
  • Oct 14, 20263.50%▼ from 4.00%
  • Sep 24, 20264.00%▲ from 3.60%
  • Sep 19, 20263.60%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Share & IRA Share Certificate - 18 Month
$500
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APYOct 15, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Super Share Certificate - 18 Month
$500
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
215 Old Campion Rd, New Hartford, NY 13413 4953
Share Certificates - 18 Months
$500
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Compounded/Credited: Qrtly/Qrtly

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
26 Federal Plz Fl 31, New York, NY 10278 1300
Certificate - 18 Months
$500
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 18 Month
$0
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Metro Realtors Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
535 Broadhollow Rd Ste A4, Melville, NY 11747
18 Month CD for New Member
$0
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Maximum: $10,000; New member offer

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
18 Month Term Account
$0
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Single account

Rate History
1 change since Sep 21, 2026 · 2.85% → 4.00% ▲ 1.15 pts · high 4.00% / low 2.85%
1.70%3.43%5.15%Sep 21, 2026: 2.85% APYOct 23, 2026: 4.00% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 2.85%
  • Sep 21, 20262.85%first recorded

New York 24 Month CD Rates

MonitorBankRates New York Average · 24 Month CD2.92% APY▼ 0.04% from last weekNational 2.90%
View 24-month CD rate trend

The average 24-month CD rate in New York is 2.92% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
55 Stevens St, Lockport, NY 14094 4229
2 Year Youth Share Certificate
$0
5.00% ▲ 2.08% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 2.08% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Oct 5, 2026: 5.00% APYOct 5, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
24 Month Certificate of Deposit
$0
4.80% ▲ 1.88% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 25, 2026
  • Oct 22, 20264.80%▲ from 4.40%
  • Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit (CDs) - 24 Months
$0
4.80% ▲ 1.88% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
24 Month CD
$0
4.80% ▲ 1.88% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 24, 2026 · 4.45% → 4.80% ▲ 0.35 pts · high 4.80% / low 4.45%
3.95%4.63%5.30%Sep 24, 2026: 4.45% APYOct 1, 2026: 4.65% APYOct 14, 2026: 4.70% APYOct 19, 2026: 4.80% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.80%▲ from 4.70%
  • Oct 14, 20264.70%▲ from 4.65%
  • Oct 1, 20264.65%▲ from 4.45%
  • Sep 24, 20264.45%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
2 Year Regular IRA And Roth IRA CD
$0
4.75% ▲ 1.83% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.83% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 19, 2026: 4.75% APYOct 19, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
New Money CD - 24 Month
$1,000
4.60% ▲ 1.68% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.68% above avgNationally 2.90%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
3.95%4.53%5.10%Sep 27, 2026: 4.45% APYOct 14, 2026: 4.60% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.60%▲ from 4.45%
  • Sep 27, 20264.45%first recorded
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
7102 Forest Ave, Ridgewood, NY 11385
2-Year Treasury Indexed CD
$0
4.59% ▲ 1.67% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.67% above avgNationally 2.90%
Details

TOP THE TREASURY; variable yield account with no cap; risk-free

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 2-year
$1,000
4.55% ▲ 1.63% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.63% above avgNationally 2.90%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
2 Year Certificate
$500
4.53% ▲ 1.61% above New York avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.61% above avgNationally 2.90%
Details

Early withdrawal penalty: 180 days simple interest

Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 4 times
4.03%4.53%5.03%Oct 5, 2026: 4.53% APYOct 5, 2026Oct 25, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
24 Month Certificate of Deposit
$500
4.45% ▲ 1.53% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
Details

In-Branch; APY effective as of 10/20/2026

Rate History
2 changes since Sep 20, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
3.75%4.35%4.95%Sep 20, 2026: 4.25% APYOct 3, 2026: 4.30% APYOct 22, 2026: 4.45% APYSep 20, 2026Oct 25, 2026
  • Oct 22, 20264.45%▲ from 4.30%
  • Oct 3, 20264.30%▲ from 4.25%
  • Sep 20, 20264.25%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
Certificate of Deposit - 24 Months
$500
4.45% ▲ 1.53% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
Details

In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY

Rate History
3 changes since Sep 14, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
3.35%4.18%5.00%Sep 14, 2026: 3.90% APYSep 20, 2026: 4.25% APYOct 3, 2026: 4.30% APYOct 22, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.45%▲ from 4.30%
  • Oct 3, 20264.30%▲ from 4.25%
  • Sep 20, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
70 Glen St, Glen Cove, NY 11542
Personal eCD 24 Months
$500
4.45% ▲ 1.53% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
Details

Available: Online

Rate History
No change since Oct 22, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 22, 2026: 4.45% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 24 Months
$0
4.42% ▲ 1.50% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.50% above avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.42% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
2 Year High-Yield CD
$500
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
HSBC Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
Online CD - 24 Month
$1,000
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
66 Hudson Blvd E, New York, NY 10001
Online Certificate of Deposit - 24 months
$1,000
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6414 Montgomery St, Rhinebeck, NY 12572
2-Year CD - Promo
$0
4.40% ▲ 1.48% above New York avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Promotional product; can be discontinued at any time

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
24 Month Certificate of Deposit
$1,000
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Minimum opening deposit $1,000; dividends paid at maturity

Rate History
1 change since Sep 25, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 25, 2026: 4.20% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20264.40%▲ from 4.20%
  • Sep 25, 20264.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 24 Months
$0
4.37% ▲ 1.45% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.45% above avgNationally 2.90%
Details

Balance: $50,000.00

Rate History
2 changes since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 2, 2026: 4.37% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.37%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
1377 Motor Pkwy, Islandia, NY 11749
Performance CDs - 24 month
$0
4.35% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 18, 2026: 3.40% APYOct 7, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20264.35%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
410 Park Ave, New York, NY 10022
Consumer Certificate of Deposit - 24 Months
$0
4.35% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 25, 2026
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
1490 Franklin Ave, Mineola, NY 11501 4801
24 Month Certificate
$0
4.35% ▲ 1.43% above New York avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
Details

Certificates; Interest compounded quarterly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
2.65%3.93%5.20%Sep 14, 2026: 3.50% APYSep 22, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Sep 22, 20264.35%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Share Certificates - 2 Year
$0
4.34% ▲ 1.42% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.42% above avgNationally 2.90%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 15, 2026: 4.34% APYOct 15, 2026Oct 25, 2026
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
420 Lexington Ave Rm 850, New York, NY 10170 0033
Long-Term Certificates - 24-month
$50,000
4.34% ▲ 1.42% above New York avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.42% above avgNationally 2.90%
Details

Long-Term Certificate; Minimum deposit $50,000.00

Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 9 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APYSep 14, 2026Oct 25, 2026
TOWN OF HEMPSTEAD EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
1830 Grand Ave, North Baldwin, NY 11510
24 Month Kids Club Certificate
$0
4.33% ▲ 1.41% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.41% above avgNationally 2.90%
Details

Balance: $400.00 - $50,000.00

Rate History
No change since Oct 22, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 22, 2026: 4.33% APYOct 22, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
125 State St, Albany, NY 12207
24 Month TD Choice CD
$250
4.30% ▲ 1.38% above New York avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.38% above avgNationally 2.90%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
125 State St, Albany, NY 12207
24 Month TD Choice CD
$250
4.29% ▲ 1.37% above New York avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.37% above avgNationally 2.90%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
805 Ridge Rd, Webster, NY 14580
24-Month CD
$1,000
4.25% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 24 month
$500
4.25% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
795 E Main St Ste 1, Cobleskill, NY 12043 1263
Share Certificate - 24 month
$500
4.25% ▲ 1.33% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 25, 2026: 3.75% APYOct 23, 2026: 4.25% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20264.25%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
24 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.33% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 24 Months
$50
4.25% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
225 W Broad St, Rochester, NY 14608
7 - 24 Month Share Certificate
$0
4.25% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Choose Your Own Term! 7 to 24 months!

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1214 Castleton Ave, Staten Island, NY 10310
24-Month CD
$500
4.25% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 24 Months
$0
4.22% ▲ 1.30% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.30% above avgNationally 2.90%
Details

Balance: $25,000.00

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.22% ▲ 0.21 pts · high 4.22% / low 4.01%
3.51%4.12%4.72%Sep 18, 2026: 4.01% APYSep 24, 2026: 4.22% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.22%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
Jumbo Certificate - 24 Month Jumbo
$0
4.16% ▲ 1.24% above New York avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.24% above avgNationally 2.90%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 23, 2026: 4.16% APYOct 23, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Super Share Certificate - 24 Month
$500
4.15% ▲ 1.23% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.23% above avgNationally 2.90%
Details

Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.

Rate History
No change since Oct 23, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 23, 2026: 4.15% APYOct 23, 2026Oct 25, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
4720 Baker St, Lakewood, NY 14750 9772
Share Certificates - 24 Month
$0
4.15% ▲ 1.23% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.23% above avgNationally 2.90%
Details

Minimum deposit tier: $100,000

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
24 Month Share & IRA Certificates
$500
4.15% ▲ 1.23% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.23% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 1, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
24-Month Certificate
$500
4.15% ▲ 1.23% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.23% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 6, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 6, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
Share Certificate - 24 months
$500
4.15% ▲ 1.23% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.23% above avgNationally 2.90%
Details

Balance: $500 minimum daily balance to earn the disclosed APY; Rates as of 10/1/2026; Dividends paid monthly

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
Share Certificate - 2 Years
$0
4.11% ▲ 1.19% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.19% above avgNationally 2.90%
Details

Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest

Rate History
2 changes since Sep 14, 2026 · 3.70% → 4.11% ▲ 0.41 pts · high 4.11% / low 3.70%
3.20%3.91%4.61%Sep 14, 2026: 3.70% APYSep 25, 2026: 3.80% APYOct 5, 2026: 4.11% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.11%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
2-Year Share Certificate
$1,000
4.10% ▲ 1.18% above New York avg
View
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.18% above avgNationally 2.90%
Details

Penalty for early withdrawal: 6 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
3.43%4.02%4.60%Sep 14, 2026: 3.93% APYOct 15, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.10%▲ from 3.93%
  • Sep 14, 20263.93%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
24 Month Certificate
$500
4.08% ▲ 1.16% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.16% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 3 month interest

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 15, 2026: 4.08% APYOct 15, 2026Oct 25, 2026
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
423 E 23rd St, New York, NY 10010 5011
Share & IRA Certificate - 24 Months
$0
4.08% ▲ 1.16% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.16% above avgNationally 2.90%
Details

Rates effective 10/1/2026; Early termination penalty: 60 days

Rate History
No change since Oct 13, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 13, 2026: 4.08% APYOct 13, 2026Oct 25, 2026
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
24 Month Traditional Share Certificate
$1,000
4.07% ▲ 1.15% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.15% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1300 ELMWOOD AVE, BUFFALO, NY 14222
Jumbo CD - 3-1/2 Year
$0
4.06% ▲ 1.14% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.14% above avgNationally 2.90%
Details

Non-IRA Only; APR 3rd QTR 2026 4.00%

Rate History
No change since Oct 23, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 23, 2026: 4.06% APYOct 23, 2026Oct 25, 2026
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1300 ELMWOOD AVE, BUFFALO, NY 14222
Jumbo CD - 4-1/2 Year
$0
4.06% ▲ 1.14% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.14% above avgNationally 2.90%
Details

Non-IRA Only; APR 3rd QTR 2026 4.00%

Rate History
No change since Oct 23, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 23, 2026: 4.06% APYOct 23, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Share & IRA Share Certificate - 24 Month
$500
4.05% ▲ 1.13% above New York avg
View
▼
Rate3.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.13% above avgNationally 2.90%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 15, 2026: 4.05% APYOct 15, 2026Oct 25, 2026

New York 36 Month CD Rates

MonitorBankRates New York Average · 36 Month CD2.73% APY▼ 0.08% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in New York is 2.73% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Fixed Rate Certificates - 36 Month CD
$0
4.90% ▲ 2.17% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 20, 2026: 4.90% APYOct 20, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Traditional/Roth IRA 36 Month CD
$0
4.90% ▲ 2.17% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.90% APY · checked 3 times
4.40%4.90%5.40%Oct 14, 2026: 4.90% APYOct 14, 2026Oct 25, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
36 Month Term Account
$0
4.90% ▲ 2.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details

Certificate Accounts; Single - 36 MONTH TERM ACCOUNT; minimum deposit of $100 required to open and earn the APY; penalty for withdrawal before maturity

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%
3.10%4.45%5.80%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.90% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.90%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 36 MONTH TERM ACCOUNT
$100
4.90% ▲ 2.17% above New York avg
View
▼
Rate4.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details

36-Month Term/IRA Term; Single account; Dividends compounded and paid monthly; Penalty for withdrawal before maturity; Rates in effect as of 10/19/26

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%
3.10%4.45%5.80%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.90% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.90%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
36 Month CD
$0
4.85% ▲ 2.12% above New York avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 2.12% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
4.00%4.68%5.35%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.80% APYOct 14, 2026: 4.85% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.85%▲ from 4.80%
  • Oct 1, 20264.80%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
36 Month Certificate of Deposit
$0
4.80% ▲ 2.07% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.07% above avgNationally 2.81%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 25, 2026
  • Oct 22, 20264.80%▲ from 4.40%
  • Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit (CDs) - 36 Months
$0
4.80% ▲ 2.07% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.07% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 3-year
$1,000
4.55% ▲ 1.82% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 1.82% above avgNationally 2.81%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 36 Months
$0
4.52% ▲ 1.79% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.79% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 36 Months
$0
4.52% ▲ 1.79% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.79% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.11% → 4.52% ▲ 0.41 pts · high 4.52% / low 4.11%
3.61%4.31%5.02%Sep 8, 2026: 4.11% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.52%▲ from 4.11%
  • Sep 8, 20264.11%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 36 Months
$50
4.50% ▲ 1.77% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.77% above avgNationally 2.81%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 36 Months
$0
4.47% ▲ 1.74% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.74% above avgNationally 2.81%
Details

Balance: $50,000.00

Rate History
2 changes since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYSep 24, 2026: 4.27% APYOct 2, 2026: 4.47% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.47%▲ from 4.27%
  • Sep 24, 20264.27%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 36 Months
$0
4.47% ▲ 1.74% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.74% above avgNationally 2.81%
Details

Balance: $50,000.00

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
3.56%4.27%4.97%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.47% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.47%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
3 Year High-Yield CD
$500
4.40% ▲ 1.67% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.67% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
36 Month Certificate of Deposit
$1,000
4.40% ▲ 1.67% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.67% above avgNationally 2.81%
Details

Minimum opening deposit $1,000; dividends paid at maturity

Rate History
1 change since Sep 25, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 25, 2026: 4.25% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20264.40%▲ from 4.25%
  • Sep 25, 20264.25%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
36 Month Share & IRA Certificates
$500
4.35% ▲ 1.62% above New York avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 14, 2026: 4.05% APYOct 1, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20264.35%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
36-Month Certificate
$500
4.35% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 14, 2026: 4.05% APYOct 6, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 6, 20264.35%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
1 Commerce St, Poughkeepsie, NY 12603
Share Certificate - 36 months
$500
4.35% ▲ 1.62% above New York avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
Details

Balance: $500 minimum daily balance to earn the disclosed APY; Rates as of 10/1/2026; Dividends paid monthly

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 36 Months
$0
4.32% ▲ 1.59% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.59% above avgNationally 2.81%
Details

Balance: $25,000.00

Rate History
2 changes since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYSep 24, 2026: 4.27% APYOct 2, 2026: 4.32% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.32%▲ from 4.27%
  • Sep 24, 20264.27%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 36 Months
$0
4.32% ▲ 1.59% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.59% above avgNationally 2.81%
Details

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 3.91% → 4.32% ▲ 0.41 pts · high 4.32% / low 3.91%
3.41%4.12%4.82%Sep 8, 2026: 3.91% APYOct 20, 2026: 4.32% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.32%▲ from 3.91%
  • Sep 8, 20263.91%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Share Certificates - 3 Year
$0
4.29% ▲ 1.56% above New York avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.56% above avgNationally 2.81%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 15, 2026: 4.29% APYOct 15, 2026Oct 25, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
36 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.52% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.52% above avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
Share Certificate - 3 Years
$0
4.22% ▲ 1.49% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.49% above avgNationally 2.81%
Details

Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest

Rate History
2 changes since Sep 14, 2026 · 3.59% → 4.22% ▲ 0.63 pts · high 4.22% / low 3.59%
2.96%3.91%4.85%Sep 14, 2026: 3.59% APYSep 25, 2026: 3.80% APYOct 5, 2026: 4.22% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.22%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.59%
  • Sep 14, 20263.59%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Super Share Certificate - 36 Month
$500
4.20% ▲ 1.47% above New York avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.47% above avgNationally 2.81%
Details

Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.

Rate History
No change since Oct 23, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
3 Year Long-Term Certificate
$0
4.15% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.42% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
3-Year Share Certificate
$1,000
4.15% ▲ 1.42% above New York avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.42% above avgNationally 2.81%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.98% → 4.15% ▲ 0.17 pts · high 4.15% / low 3.98%
3.48%4.07%4.65%Sep 14, 2026: 3.98% APYOct 15, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.15%▲ from 3.98%
  • Sep 14, 20263.98%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
3 Year Long-Term Certificate
$0
4.10% ▲ 1.37% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
3 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.10% ▲ 1.37% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details

Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Certificate of Deposit - 3 years up to 4
$1,000
4.10% ▲ 1.37% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details

Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Pension CDs - 3 years up to 4
$1,000
4.10% ▲ 1.37% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details

Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Share & IRA Share Certificate - 36 Month
$500
4.10% ▲ 1.37% above New York avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 25, 2026
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
19 21 E Main St, Westfield, NY 14787 1319
36 Month CD
$1,000
4.07% ▲ 1.34% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.34% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
36 Month Traditional Share Certificate
$5,000
4.07% ▲ 1.34% above New York avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
IRA Term Share Account - 36 Months
$500
4.07% ▲ 1.34% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.34% above avgNationally 2.81%
Details

IRA Term Share Accounts

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 36 Months
$0
4.01% ▲ 1.28% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.28% above avgNationally 2.81%
Details

Balance: $10,000.00

Rate History
2 changes since Sep 18, 2026 · 3.75% → 4.01% ▲ 0.26 pts · high 4.06% / low 3.75%
3.25%3.91%4.56%Sep 18, 2026: 3.75% APYSep 24, 2026: 4.06% APYOct 2, 2026: 4.01% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.01%▼ from 4.06%
  • Sep 24, 20264.06%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 36 Months
$0
4.01% ▲ 1.28% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.28% above avgNationally 2.81%
Details

Balance: $10,000.00

Rate History
1 change since Sep 8, 2026 · 3.60% → 4.01% ▲ 0.41 pts · high 4.01% / low 3.60%
3.10%3.80%4.51%Sep 8, 2026: 3.60% APYOct 20, 2026: 4.01% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.01%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
Certificate of Deposit - 3 Years (36 Months)
$250
4.00% ▲ 1.27% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
65 WRIGHT CIR, AUBURN, NY 13021 3135
3 Year Certificate
$0
4.00% ▲ 1.27% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.27% above avgNationally 2.81%
Details

Certificates of Deposit (CD); $500.00 minimum balance; Substantial penalties for early withdrawal may apply.

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 2026
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Glen Ave, Cooperstown, NY 13326 1122
3 Year IRA Certificate
$0
4.00% ▲ 1.27% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.27% above avgNationally 2.81%
Details

3 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Glen Ave, Cooperstown, NY 13326 1122
3 Year Share Certificate
$0
4.00% ▲ 1.27% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.27% above avgNationally 2.81%
Details

3 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
Certificate Account 36-Month
$500
4.00% ▲ 1.27% above New York avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.27% above avgNationally 2.81%
Details

Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10%

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 14, 2026: 3.60% APYSep 27, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20264.00%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year CD
$0
3.97% ▲ 1.24% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.24% above avgNationally 2.81%
Details

$100,000; Balance: $100,000 and over; Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.

Rate History
1 change since Sep 25, 2026 · 3.52% → 3.97% ▲ 0.45 pts · high 3.97% / low 3.52%
3.02%3.75%4.47%Sep 25, 2026: 3.52% APYOct 23, 2026: 3.97% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.52%
  • Sep 25, 20263.52%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
Jumbo Certificate - 36 Month Jumbo
$0
3.96% ▲ 1.23% above New York avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.23% above avgNationally 2.81%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 23, 2026: 3.96% APYOct 23, 2026Oct 25, 2026
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9823 Science Center Dr, Painted Post, NY 14870
36 Month IRA Certificate Jumbo
$0
3.96% ▲ 1.23% above New York avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.23% above avgNationally 2.81%
Details

Jumbo Share Certificate = $100,000 or more; Early withdrawal penalty may be imposed

Rate History
1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
3.30%3.88%4.46%Sep 14, 2026: 3.80% APYOct 13, 2026: 3.96% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20263.96%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
9823 Science Center Dr, Painted Post, NY 14870
36 Month Jumbo Certificate
$0
3.96% ▲ 1.23% above New York avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.23% above avgNationally 2.81%
Details

Jumbo Share Certificate = $100,000 or more; Early withdrawal penalty may be imposed

Rate History
No change since Oct 23, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 23, 2026: 3.96% APYOct 23, 2026Oct 25, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5 Murray St, Glens Falls, NY 12801
Certificate of Deposit 36 Month
$0
3.95% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.22% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
202 Taughannock Blvd Ste 1B, Ithaca, NY 14850 3345
36 Month Share Certificate
$0
3.95% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.22% above avgNationally 2.81%
Details

Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY

Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 25, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate 3 Year
$0
3.93% ▲ 1.20% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.20% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 12, 2026 · 3.68% → 3.93% ▲ 0.26 pts · high 3.93% / low 3.68%
3.18%3.80%4.43%Sep 12, 2026: 3.68% APYOct 4, 2026: 3.93% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20263.93%▲ from 3.68%
  • Sep 12, 20263.68%first recorded
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year CD
$0
3.92% ▲ 1.19% above New York avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.19% above avgNationally 2.81%
Details

$50,000 - $99,000; Balance: $50,000 - $99,000; Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.

Rate History
1 change since Sep 25, 2026 · 3.52% → 3.92% ▲ 0.40 pts · high 3.92% / low 3.52%
3.02%3.72%4.42%Sep 25, 2026: 3.52% APYOct 23, 2026: 3.92% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.92%▲ from 3.52%
  • Sep 25, 20263.52%first recorded
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year CD
$0
3.87% ▲ 1.14% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.14% above avgNationally 2.81%
Details

$25,000 - $49,999; Balance: $25,000 - $49,999; Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.

Rate History
1 change since Sep 25, 2026 · 3.52% → 3.87% ▲ 0.35 pts · high 3.87% / low 3.52%
3.02%3.70%4.37%Sep 25, 2026: 3.52% APYOct 23, 2026: 3.87% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20263.87%▲ from 3.52%
  • Sep 25, 20263.52%first recorded

New York 48 Month CD Rates

MonitorBankRates New York Average · 48 Month CD2.61% APY▼ 0.10% from last weekNational 2.81%
View 48-month CD rate trend

The average 48-month CD rate in New York is 2.61% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
48-Month Certificate
$100
5.00% ▲ 2.39% above New York avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 2.39% above avgNationally 2.81%
Details

Dividend rate 4.89%; Minimum balance to open and earn APY: $100

Rate History
1 change since Sep 14, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
3.30%4.58%5.85%Sep 14, 2026: 4.15% APYOct 23, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 48 MONTH TERM ACCOUNT
$0
5.00% ▲ 2.39% above New York avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 2.39% above avgNationally 2.81%
Details

Certificate Account; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity; Term/IRA Term table

Rate History
1 change since Oct 5, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
3.30%4.58%5.85%Oct 5, 2026: 4.15% APYOct 23, 2026: 5.00% APYOct 5, 2026Oct 25, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Oct 5, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
48 Month CD
$0
4.95% ▲ 2.34% above New York avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 2.34% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
4.00%4.73%5.45%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.85% APYOct 14, 2026: 4.95% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.95%▲ from 4.85%
  • Oct 1, 20264.85%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 48 Months
$0
4.58% ▲ 1.97% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.97% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 48 Months
$0
4.58% ▲ 1.97% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.97% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 4-year
$1,000
4.55% ▲ 1.94% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 1.94% above avgNationally 2.81%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 48 Months
$0
4.52% ▲ 1.91% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.91% above avgNationally 2.81%
Details

Balance: $50,000.00

Rate History
2 changes since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYSep 24, 2026: 4.37% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.52%▲ from 4.37%
  • Sep 24, 20264.37%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 48 Months
$0
4.52% ▲ 1.91% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.91% above avgNationally 2.81%
Details

Balance: $50,000.00

Rate History
1 change since Sep 8, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
3.66%4.34%5.02%Sep 8, 2026: 4.16% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.52%▲ from 4.16%
  • Sep 8, 20264.16%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
Certificate - 48 Months
$50
4.50% ▲ 1.89% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.89% above avgNationally 2.81%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
4 Year High-Yield CD
$500
4.40% ▲ 1.79% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.79% above avgNationally 2.81%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
48 Month Certificate of Deposit
$1,000
4.40% ▲ 1.79% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.79% above avgNationally 2.81%
Details

Minimum opening deposit $1,000; dividends paid at maturity

Rate History
1 change since Sep 25, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 25, 2026: 4.30% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20264.40%▲ from 4.30%
  • Sep 25, 20264.30%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Share Certificates - 4 Year
$0
4.39% ▲ 1.78% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.78% above avgNationally 2.81%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Fixed Rate Certificates - 48 Month CD
$0
4.38% ▲ 1.77% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 1.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.38% APY · checked 2 times
3.88%4.38%4.88%Oct 20, 2026: 4.38% APYOct 20, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Traditional/Roth IRA 48 Month CD
$0
4.38% ▲ 1.77% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 1.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.38% APY · checked 3 times
3.88%4.38%4.88%Oct 14, 2026: 4.38% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 48 Months
$0
4.37% ▲ 1.76% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.76% above avgNationally 2.81%
Details

Balance: $25,000.00

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYSep 24, 2026: 4.37% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 48 Months
$0
4.37% ▲ 1.76% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.76% above avgNationally 2.81%
Details

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 4.01% → 4.37% ▲ 0.36 pts · high 4.37% / low 4.01%
3.51%4.19%4.87%Sep 8, 2026: 4.01% APYOct 20, 2026: 4.37% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.37%▲ from 4.01%
  • Sep 8, 20264.01%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
4 Year Certificate
$500
4.34% ▲ 1.73% above New York avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.73% above avgNationally 2.81%
Details

Minimum $500 Credit; Quarterly Compound Daily

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.34% ▲ 0.31 pts · high 4.34% / low 4.03%
3.53%4.19%4.84%Sep 14, 2026: 4.03% APYOct 5, 2026: 4.34% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.34%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3251 BROADWAY St, CHEEKTOWAGA, NY 14227 1033
Share Certificate - 4 Years
$0
4.32% ▲ 1.71% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.71% above avgNationally 2.81%
Details

Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest

Rate History
2 changes since Sep 14, 2026 · 3.49% → 4.32% ▲ 0.83 pts · high 4.32% / low 3.49%
2.66%3.91%5.15%Sep 14, 2026: 3.49% APYSep 25, 2026: 3.80% APYOct 5, 2026: 4.32% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.32%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Super Share Certificate - 48 Month
$500
4.25% ▲ 1.64% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.64% above avgNationally 2.81%
Details

Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 25, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
2890 Transit Rd, Newfane, NY 14108 9740
48 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.64% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.64% above avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
4 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.20% ▲ 1.59% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% above avgNationally 2.81%
Details

Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Certificate of Deposit - 4 years up to 5
$1,000
4.20% ▲ 1.59% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% above avgNationally 2.81%
Details

Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Pension CDs - 4 years up to 5
$1,000
4.20% ▲ 1.59% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% above avgNationally 2.81%
Details

Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
4.20% ▲ 1.59% above New York avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.59% above avgNationally 2.81%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.20% ▲ 0.17 pts · high 4.20% / low 4.03%
3.53%4.12%4.70%Sep 14, 2026: 4.03% APYOct 15, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.20%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Share & IRA Share Certificate - 48 Month
$500
4.15% ▲ 1.54% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.54% above avgNationally 2.81%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 15, 2026: 4.15% APYOct 15, 2026Oct 25, 2026
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
19 21 E Main St, Westfield, NY 14787 1319
48 Month CD
$1,000
4.07% ▲ 1.46% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 48 Months
$0
4.06% ▲ 1.45% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details

Balance: $10,000.00

Rate History
2 changes since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.16% / low 3.85%
3.35%4.01%4.66%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.16% APYOct 2, 2026: 4.06% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.06%▼ from 4.16%
  • Sep 24, 20264.16%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 48 Months
$0
4.06% ▲ 1.45% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details

Balance: $10,000.00

Rate History
1 change since Sep 8, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 8, 2026: 3.70% APYOct 20, 2026: 4.06% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.06%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate 4 Year
$0
4.06% ▲ 1.45% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 12, 2026: 3.80% APYOct 4, 2026: 4.06% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.06%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
Certificate Account 48-Month
$500
4.05% ▲ 1.44% above New York avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 1.44% above avgNationally 2.81%
Details

Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10%

Rate History
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
3.10%3.83%4.55%Sep 14, 2026: 3.60% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20264.05%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
2208 W Genesee St, Syracuse, NY 13219
48 Month CD
$0
4.00% ▲ 1.39% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details

Maximum $1,000,000.00 New Money per tax ID number

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
Certificate of Deposit - 4 Years (48 Months)
$250
4.00% ▲ 1.39% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
Jumbo Certificate - 48 Month Jumbo
$0
4.00% ▲ 1.39% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5 Murray St, Glens Falls, NY 12801
Certificate of Deposit 48 Month
$0
4.00% ▲ 1.39% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Glen Ave, Cooperstown, NY 13326 1122
4 Year IRA Certificate
$0
4.00% ▲ 1.39% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details

4 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Glen Ave, Cooperstown, NY 13326 1122
4 Year Share Certificate
$0
4.00% ▲ 1.39% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details

4 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
202 Taughannock Blvd Ste 1B, Ithaca, NY 14850 3345
48 Month Share Certificate
$0
3.95% ▲ 1.34% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.34% above avgNationally 2.81%
Details

Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY

Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 25, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate 4 Year
$0
3.93% ▲ 1.32% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.32% above avgNationally 2.81%
Details

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

Rate History
2 changes since Sep 12, 2026 · 3.68% → 3.93% ▲ 0.26 pts · high 3.93% / low 3.68%
3.18%3.80%4.43%Sep 12, 2026: 3.68% APYSep 20, 2026: 3.80% APYOct 4, 2026: 3.93% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20263.93%▲ from 3.80%
  • Sep 20, 20263.80%▲ from 3.68%
  • Sep 12, 20263.68%first recorded
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
325 Washington Avenue Ext, Albany, NY 12205 5581
48 Month Certificate Accounts
$0
3.92% ▲ 1.31% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 1.31% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
325 Washington Avenue Ext, Albany, NY 12205 5581
48 Month Share Certificate
$0
3.92% ▲ 1.31% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 1.31% above avgNationally 2.81%
Details

Featured share certificate; Step-up option available on 36 - 60-month certificates

Rate History
No change since Oct 1, 2026 · 3.92% APY · checked 5 times
3.42%3.92%4.42%Oct 1, 2026: 3.92% APYOct 1, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 48 Months
$0
3.91% ▲ 1.30% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.30% above avgNationally 2.81%
Details

Balance: $1,000.00

Rate History
2 changes since Sep 18, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 18, 2026: 3.70% APYSep 24, 2026: 3.85% APYOct 2, 2026: 3.91% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.91%▲ from 3.85%
  • Sep 24, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 48 Months
$0
3.91% ▲ 1.30% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.30% above avgNationally 2.81%
Details

Balance: $1,000.00

Rate History
1 change since Sep 8, 2026 · 3.55% → 3.91% ▲ 0.36 pts · high 3.91% / low 3.55%
3.05%3.73%4.41%Sep 8, 2026: 3.55% APYOct 20, 2026: 3.91% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20263.91%▲ from 3.55%
  • Sep 8, 20263.55%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
Certificate - 48 Months
$0
3.85% ▲ 1.24% above New York avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.24% above avgNationally 2.81%
Details

Certificate Minimum Balance: $1,000

Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 15, 2026: 3.85% APYOct 15, 2026Oct 25, 2026
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
202 Taughannock Blvd Ste 1B, Ithaca, NY 14850 3345
48 Month Share Certificate
$0
3.85% ▲ 1.24% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.24% above avgNationally 2.81%
Details

Balance: $25,000.00 - $75,000.00; Rate column unlabeled, footnote defines rates as APY

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
423 E 23rd St, New York, NY 10010 5011
Share & IRA Certificate - 48 Months
$0
3.82% ▲ 1.21% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.21% above avgNationally 2.81%
Details

Rates effective 10/1/2026; Early termination penalty: 120 days

Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 25, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate 4 Year
$0
3.80% ▲ 1.19% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.19% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 12, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
3.05%3.67%4.30%Sep 12, 2026: 3.55% APYSep 20, 2026: 3.80% APYSep 12, 2026Oct 25, 2026
  • Sep 20, 20263.80%▲ from 3.55%
  • Sep 12, 20263.55%first recorded
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
1300 ELMWOOD AVE, BUFFALO, NY 14222
Jumbo CD - 1-1/4 Year
$0
3.80% ▲ 1.19% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.19% above avgNationally 2.81%
Details

Non-IRA Only; APR 3rd QTR 2026 3.75%

Rate History
No change since Oct 23, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 23, 2026: 3.80% APYOct 23, 2026Oct 25, 2026
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
2401 44th Rd, Long Island City, NY 11101
Standard Share Certificate - 48-month
$500
3.75% ▲ 1.14% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.14% above avgNationally 2.81%
Details

Standard share certificate; dividend rate 3.68%, APY 3.75%

Rate History
1 change since Sep 25, 2026 · 3.35% → 3.75% ▲ 0.40 pts · high 3.75% / low 3.35%
2.85%3.55%4.25%Sep 25, 2026: 3.35% APYOct 12, 2026: 3.75% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20263.75%▲ from 3.35%
  • Sep 25, 20263.35%first recorded
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
2787 Niagara Falls Blvd, Amherst, NY 14228
48 Month Share Certificate
$0
3.75% ▲ 1.14% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.14% above avgNationally 2.81%
Details

Dividend Rate; Effective 02/15/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
2787 Niagara Falls Blvd, Amherst, NY 14228
IRA 48 Month Share Certificate
$0
3.75% ▲ 1.14% above New York avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.14% above avgNationally 2.81%
Details

Regular IRA and Roth IRA; Dividend Rate; Effective 02/15/2026

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 25, 2026

New York 60 Month CD Rates

MonitorBankRates New York Average · 60 Month CD2.83% APY▼ 0.05% from last weekNational 2.92%
View 60-month CD rate trend

The average 60-month CD rate in New York is 2.83% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6652 Myrtle Ave, Glendale, NY 11385 7057
5 Year Regular IRA And Roth IRA CD
$0
5.25% ▲ 2.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 2.42% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 5.25% APY
4.75%5.25%5.75%Oct 19, 2026: 5.25% APYOct 19, 2026Oct 25, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
Single - 60 MONTH TERM ACCOUNT
$0
5.00% ▲ 2.17% above New York avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 2.17% above avgNationally 2.92%
Details

Certificate Accounts; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity

Rate History
1 change since Oct 13, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
3.30%4.58%5.85%Oct 13, 2026: 4.15% APYOct 23, 2026: 5.00% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Oct 13, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
285 Madison Ave, New York, NY 10017
60 Month CD
$0
5.00% ▲ 2.17% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 2.17% above avgNationally 2.92%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.95% APYOct 14, 2026: 5.00% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20265.00%▲ from 4.95%
  • Oct 1, 20264.95%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
2500 Westchester Ave, Purchase, NY 10577 2587
60 Month Term Certificate
$100
4.89% ▲ 2.06% above New York avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 2.06% above avgNationally 2.92%
Details

Single - 60 MONTH TERM ACCOUNT; Certificate Accounts 60-Month Term/IRA; Dividends compounded and paid monthly; penalty for withdrawal before maturity

Rate History
No change since Oct 23, 2026 · 4.89% APY
4.39%4.89%5.39%Oct 23, 2026: 4.89% APYOct 23, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
60 Month Certificate of Deposit
$0
4.80% ▲ 1.97% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.97% above avgNationally 2.92%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 25, 2026
  • Oct 22, 20264.80%▲ from 4.40%
  • Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
2000 Westchester Ave, Purchase, NY 10577
Certificates of Deposit (CDs) - 60 Months
$0
4.80% ▲ 1.97% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.97% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Fixed Rate Certificates - 60 Month CD
$0
4.64% ▲ 1.81% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 1.81% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.64% APY · checked 2 times
4.14%4.64%5.14%Oct 20, 2026: 4.64% APYOct 20, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
255 Main St, Massena, NY 13662
Traditional/Roth IRA 60 Month CD
$0
4.64% ▲ 1.81% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 1.81% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.64% APY · checked 3 times
4.14%4.64%5.14%Oct 14, 2026: 4.64% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 60 Months
$0
4.63% ▲ 1.80% above New York avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.80% above avgNationally 2.92%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 2, 2026: 4.63% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 60 Months
$0
4.63% ▲ 1.80% above New York avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.80% above avgNationally 2.92%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
3.77%4.45%5.13%Sep 8, 2026: 4.27% APYOct 20, 2026: 4.63% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.63%▲ from 4.27%
  • Sep 8, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 60 Months
$0
4.58% ▲ 1.75% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.75% above avgNationally 2.92%
Details

Balance: $50,000.00

Rate History
2 changes since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYSep 24, 2026: 4.42% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.58%▲ from 4.42%
  • Sep 24, 20264.42%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 60 Months
$0
4.58% ▲ 1.75% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.75% above avgNationally 2.92%
Details

Balance: $50,000.00

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
8 Catherine St, New York, NY 10038
Certificate of Deposit - 5-year
$1,000
4.55% ▲ 1.72% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 1.72% above avgNationally 2.92%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 60 Months
$0
4.42% ▲ 1.59% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.59% above avgNationally 2.92%
Details

Balance: $25,000.00

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYSep 24, 2026: 4.42% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 60 Months
$0
4.42% ▲ 1.59% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.59% above avgNationally 2.92%
Details

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
3.56%4.24%4.92%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.42% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.42%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
200 West St, New York, NY 10282
5 Year High-Yield CD
$500
4.40% ▲ 1.57% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.57% above avgNationally 2.92%
Details

Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
341 Englewood Ave, Buffalo, NY 14223 2819
60 Month Certificate of Deposit
$1,000
4.40% ▲ 1.57% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.57% above avgNationally 2.92%
Details

Minimum opening deposit $1,000; dividends paid at maturity

Rate History
1 change since Sep 25, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 25, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
Share Certificates - 5 Year
$0
4.39% ▲ 1.56% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.56% above avgNationally 2.92%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
5 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.30% ▲ 1.47% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% above avgNationally 2.92%
Details

Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Certificate of Deposit - 5 years
$1,000
4.30% ▲ 1.47% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% above avgNationally 2.92%
Details

Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
222 Genesee St, Utica, NY 13502
Pension CDs - 5 years
$1,000
4.30% ▲ 1.47% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% above avgNationally 2.92%
Details

Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Super Share Certificate - 60 Month
$500
4.30% ▲ 1.47% above New York avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.47% above avgNationally 2.92%
Details

Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.

Rate History
No change since Oct 23, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
69 E 167th St, Bronx, NY 10452
Certificate of Deposit - 5 Years (60 Months)
$250
4.25% ▲ 1.42% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 1.42% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
5-Year Share Certificate
$1,000
4.25% ▲ 1.42% above New York avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.42% above avgNationally 2.92%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.25% ▲ 0.17 pts · high 4.25% / low 4.08%
3.58%4.17%4.75%Sep 14, 2026: 4.08% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
5 Year Certificate
$500
4.22% ▲ 1.39% above New York avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.39% above avgNationally 2.92%
Details

Early withdrawal penalty: 365 days simple interest

Rate History
No change since Oct 5, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Oct 5, 2026: 4.22% APYOct 5, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
20 Wade Rd, Latham, NY 12110 3520
Share & IRA Share Certificate - 60 Month
$500
4.20% ▲ 1.37% above New York avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.37% above avgNationally 2.92%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 15, 2026: 4.20% APYOct 15, 2026Oct 25, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
591 E Main St, Bay Shore, NY 11706 8505
60 Month Business Certificate Account
$0
4.15% ▲ 1.32% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.32% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 8 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
591 E Main St, Bay Shore, NY 11706 8505
60 Month Certificate
$50
4.15% ▲ 1.32% above New York avg
View
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.32% above avgNationally 2.92%
Details

APY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
591 E Main St, Bay Shore, NY 11706 8505
60 Month IRA Certificate
$50
4.15% ▲ 1.32% above New York avg
View
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.32% above avgNationally 2.92%
Details

APY as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
19 21 E Main St, Westfield, NY 14787 1319
60 Month CD
$1,000
4.13% ▲ 1.30% above New York avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.30% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 22, 2026: 4.13% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 60 Months
$0
4.11% ▲ 1.28% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.28% above avgNationally 2.92%
Details

Balance: $10,000.00

Rate History
2 changes since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.22% / low 3.91%
3.41%4.06%4.72%Sep 18, 2026: 3.91% APYSep 24, 2026: 4.22% APYOct 2, 2026: 4.11% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.11%▼ from 4.22%
  • Sep 24, 20264.22%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 60 Months
$0
4.11% ▲ 1.28% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.28% above avgNationally 2.92%
Details

Balance: $10,000.00

Rate History
1 change since Sep 8, 2026 · 3.75% → 4.11% ▲ 0.36 pts · high 4.11% / low 3.75%
3.25%3.93%4.61%Sep 8, 2026: 3.75% APYOct 20, 2026: 4.11% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.11%▲ from 3.75%
  • Sep 8, 20263.75%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
Jumbo Certificate - 60 Month Jumbo
$0
4.11% ▲ 1.28% above New York avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.28% above avgNationally 2.92%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 23, 2026: 4.11% APYOct 23, 2026Oct 25, 2026
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
NY
Certificate Account 60-Month
$500
4.10% ▲ 1.27% above New York avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 1.27% above avgNationally 2.92%
Details

Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10%

Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
3.15%3.88%4.60%Sep 14, 2026: 3.65% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20264.10%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
425 N State Rd, Briarcliff Manor, NY 10510 1469
IRA Term Share Account - 60 Months
$500
4.07% ▲ 1.24% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.24% above avgNationally 2.92%
Details

IRA Term Share Accounts

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 25, 2026
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
14 Talmadge Ct, Monroe, NY 10950 1526
60 Month Term Certificate Account
$500
4.07% ▲ 1.24% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.24% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate 5 Year
$0
4.06% ▲ 1.23% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.23% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 12, 2026: 3.80% APYOct 4, 2026: 4.06% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.06%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
425 Main St, Catskill, NY 12414
5 Year Relationship CD
$1,000
4.00% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.17% above avgNationally 2.92%
Details

Relationship CD - requires active checking account (3 or more transactions per month); $1,000.00 minimum to open and to earn APY

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
5 Year Relationship CD
$0
4.00% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 1.17% above avgNationally 2.92%
Details

Relationship CD; requires active checking account (3+ transactions per month)

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
425 Main St, Catskill, NY 12414
5-Star CD 5 Year Relationship
$1,000
4.00% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 1.17% above avgNationally 2.92%
Details

Relationship CD: requires an active checking account (3 or more transactions per month). Certificates of Deposit: $1,000.00 minimum to open and to earn APY.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
5 Murray St, Glens Falls, NY 12801
Certificate of Deposit 60 Month
$0
4.00% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.17% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Glen Ave, Cooperstown, NY 13326 1122
5 Year IRA Certificate
$0
4.00% ▲ 1.17% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.17% above avgNationally 2.92%
Details

5 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Glen Ave, Cooperstown, NY 13326 1122
5 Year Share Certificate
$0
4.00% ▲ 1.17% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.17% above avgNationally 2.92%
Details

5 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
Certificate of Deposit - 60 Months
$0
3.96% ▲ 1.13% above New York avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.13% above avgNationally 2.92%
Details

Balance: $1,000.00

Rate History
2 changes since Sep 18, 2026 · 3.75% → 3.96% ▲ 0.21 pts · high 3.96% / low 3.75%
3.25%3.86%4.46%Sep 18, 2026: 3.75% APYSep 24, 2026: 3.91% APYOct 2, 2026: 3.96% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20263.96%▲ from 3.91%
  • Sep 24, 20263.91%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
6250 County Route 64, Hornell, NY 14843
IRA CD - 60 Months
$0
3.96% ▲ 1.13% above New York avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.13% above avgNationally 2.92%
Details

Balance: $1,000.00

Rate History
1 change since Sep 8, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60%
3.10%3.78%4.46%Sep 8, 2026: 3.60% APYOct 20, 2026: 3.96% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20263.96%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
110 Village Sq, Painted Post, NY 14870 1349
Certificate - 60 Months
$0
3.95% ▲ 1.12% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.12% above avgNationally 2.92%
Details

Certificate Minimum Balance: $1,000

Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 15, 2026: 3.95% APYOct 15, 2026Oct 25, 2026
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
202 Taughannock Blvd Ste 1B, Ithaca, NY 14850 3345
60 Month Share Certificate
$0
3.95% ▲ 1.12% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.12% above avgNationally 2.92%
Details

Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY

Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 25, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate 5 Year
$0
3.93% ▲ 1.10% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.10% above avgNationally 2.92%
Details

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

Rate History
2 changes since Sep 12, 2026 · 3.68% → 3.93% ▲ 0.26 pts · high 3.93% / low 3.68%
3.18%3.80%4.43%Sep 12, 2026: 3.68% APYSep 20, 2026: 3.80% APYOct 4, 2026: 3.93% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20263.93%▲ from 3.80%
  • Sep 20, 20263.80%▲ from 3.68%
  • Sep 12, 20263.68%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
108 2nd Ave, New York, NY 10003 8302
60 Month Certificate
$500
3.92% ▲ 1.09% above New York avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.09% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 6 month interest

Rate History
No change since Oct 15, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 15, 2026: 3.92% APYOct 15, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
437 Main St, Highland Falls, NY 10928 2085
5 Year Long-Term Certificate
$0
3.90% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.07% above avgNationally 2.92%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from New York Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Popular Direct
60 Month CD
A+ 5.0 ★ TX: 2.12%
Min: $0
5.00%
Massena Savings and Loan
Fixed Rate Certificates - 36 Month CD
A 5.0 ★ TX: 9.00%
Min: $0
4.90%
Morgan Stanley E-Trade
24 Month Certificate of Deposit
A 4.8 ★ TX: 2.45%
Min: $0
4.80%
Citizens & Northern Bank C&N
Certificate of Deposit - 60 Months
A 5.0 ★ TX: 10.85%
Min: $0
4.63%
HSBC Bank USA
New Money CD - 24 Month
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.60%
CU Top 5 Credit Union Rates
Cornerstone Community Federal Credit Union
6 Month Youth Share Certificate
B+ 4.8 ★ TX: 17.18%
Min: $0
6.00%
Italo American Credit Union
5 Year Regular IRA And Roth IRA CD
A+ 5.0 ★ TX: 0.00%
Min: $0
5.25%
Empower Federal Credit Union
Share Certificate - 6 Months
A 5.0 ★ TX: 7.78%
Min: $0
5.00%
Syracuse Fire Department Employees Federal Credit Union
6-month TSC
A+ 5.0 ★ TX: 3.25%
Min: $1,000
5.00%
Quorum Federal Credit Union
48-Month Certificate
A 5.0 ★ TX: 11.76%
Min: $100
5.00%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full New York CD Trends
12-Month CD NY Avg
3.048%
▼ 0.020 vs 7 days ago

New York 12-month CD rates fell 0.020 points over the past 7 days to 3.048% APY.

6-Month CD NY Avg
2.825%
▼ 0.033 vs 7 days ago

New York 6-month CD rates fell 0.033 points over the past 7 days to 2.825% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

NY CD Rate Forecast, Next 12 Months

Where are New York CD rates headed through October 2027?

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

NY 12-Month Avg APY
3.048%
6-Month Forecast
3.048%
Range: 2.85%, 3.20%
12-Month Forecast
3.298%
Range: 3.10%, 3.45%

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

Spread model: The New York 12-month CD average currently trades 1.33% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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What Your Savings Earn at NY CD Rates Today

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

CD Term NY Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.078% $103.91 $207.81 $519.53 $1,039.05
6-Month CD 2.825% $141.23 $282.46 $706.15 $1,412.30
12-Month CD 3.048% $152.41 $304.81 $762.03 $1,524.05
18-Month CD 2.925% $146.27 $292.54 $731.35 $1,462.70
24-Month CD 2.916% $145.79 $291.57 $728.93 $1,457.85
36-Month CD 2.726% $136.31 $272.61 $681.53 $1,363.05
48-Month CD 2.612% $130.61 $261.22 $653.05 $1,306.10
60-Month CD 2.828% $141.39 $282.78 $706.95 $1,413.90
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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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.

Build Your Ladder
Rung Term Deposit NY Avg APY Annual Earnings
1 3-Month CD $5,000 2.078% $103.91
2 6-Month CD $5,000 2.825% $141.23
3 12-Month CD $5,000 3.048% $152.41
4 24-Month CD $5,000 2.916% $145.79
5 36-Month CD $5,000 2.726% $136.31
Total ($25,000 invested) $25,000 2.719% blended $679.65/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.

Powered byMonitorBankRates
2,509
CD Rates
Tracked in New York
62 Banks 105 Credit Unions

About Our New York CD Rate Database

MonitorBankRates tracks 2,509 CD rates from 62 banks and 105 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 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Cornerstone Community Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in 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 105 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: 167 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare New York savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare 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
$155/yr
At NY 12-mo avg 3.048% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 3.048%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $155 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in 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, Cornerstone Community Federal Credit Union is offering its 6 Month Youth Share Certificate at 6.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Italo American Credit Union is offering its 5 Year Regular IRA And Roth IRA CD at 5.25% 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:
  • Cornerstone Community Federal Credit Union: 6.00% APY (6 Month Youth Share Certificate)
  • Italo American Credit Union: 5.25% APY (5 Year Regular IRA And Roth IRA CD)
  • Empower Federal Credit Union: 5.00% APY (Share Certificate - 6 Months)
  • Syracuse Fire Department Employees Federal Credit Union: 5.00% APY (6-month TSC)
  • Quorum Federal Credit Union: 5.00% APY (48-Month Certificate)
  • Popular Direct: 5.00% APY (60 Month CD)
  • Massena Savings and Loan: 4.90% APY (Fixed Rate Certificates - 36 Month CD)
  • Crouse Federal Credit Union: 4.86% APY (Certificate - 6 Months)
  • Morgan Stanley E-Trade: 4.80% APY (24 Month Certificate of Deposit)
  • Citizens & Northern Bank C&N: 4.63% APY (Certificate of Deposit - 60 Months)
Rates reflect recent verified offers available in New York. Last Updated: October 23, 2026

New York CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New York rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top New York CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in New York. Averages shown use the New York state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for New York

New York CD Calculator

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

New York CD Ladder

NY CD rates currently range from 2.078% (3-month) to 2.726% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a New York CD at 6.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

New York’s average 12-month CD is 3.048% 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: October 23, 2026

New York Rates & Resources

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Cities in New York

  • Accord
  • Acra
  • Adams
  • Adams Basin
  • Adams Center
  • Addison
  • Adirondack
  • Afton
  • Airmont
  • Akron
  • Alabama
  • Albany
  • Albertson
  • Albion
  • Alcove
  • Alden
  • Alder Creek
  • Alexander
  • Alexandria Bay
  • Alfred
  • Alfred Station
  • Allegany
  • Allentown
  • Alma
  • Almond
  • Alpine
  • Alplaus
  • Altamont
  • Altmar
  • Alton
  • Altona
  • Amagansett
  • Amawalk
  • Amenia
  • Ames
  • Amityville
  • Amsterdam
  • Ancram
  • Ancramdale
  • Andes
  • Andover
  • Angelica
  • Angola
  • Annandale On Hudson
  • Antwerp
  • Apalachin
  • Appleton
  • Apulia Station
  • Aquebogue
  • Arcade
  • Arden
  • Ardsley
  • Ardsley On Hudson
  • Argyle
  • Arkport
  • Arkville
  • Armonk
  • Arverne
  • Asharoken
  • Ashland
  • Ashville
  • Astoria
  • Athens
  • Athol
  • Athol Springs
  • Atlanta
  • Atlantic Beach
  • Attica
  • Au Sable Forks
  • Auburn
  • Auriesville
  • Aurora
  • Austerlitz
  • Ava
  • Averill Park
  • Avoca
  • Avon
  • Babylon
  • Bainbridge
  • Bakers Mills
  • Baldwin
  • Baldwin Place
  • Baldwinsville
  • Ballston Lake
  • Ballston Spa
  • Bangall
  • Barker
  • Barneveld
  • Barrytown
  • Barryville
  • Barton
  • Basom
  • Batavia
  • Bath
  • Baxter Estates
  • Bay Shore
  • Bayport
  • Bayside
  • Bayville
  • Beacon
  • Bear Mountain
  • Bearsville
  • Beaver Dams
  • Beaver Falls
  • Bedford
  • Bedford Hills
  • Belfast
  • Belle Terre
  • Bellerose
  • Belleville
  • Bellmore
  • Bellona
  • Bellport
  • Bellvale
  • Belmont
  • Bemus Point
  • Bergen
  • Berkshire
  • Berlin
  • Berne
  • Bernhards Bay
  • Bethel
  • Bethpage
  • Bible School Park
  • Big Flats
  • Big Indian
  • Billings
  • Binghamton
  • Black Creek
  • Black River
  • Blasdell
  • Blauvelt
  • Bliss
  • Blodgett Mills
  • Bloomfield
  • Blooming Grove
  • Bloomingburg
  • Bloomingdale
  • Bloomington
  • Bloomville
  • Blossvale
  • Blue Mountain Lake
  • Blue Point
  • Bohemia
  • Boiceville
  • Bolivar
  • Bolton Landing
  • Bombay
  • Boonville
  • Boston
  • Bouckville
  • Bovina Center
  • Bowmansville
  • Bradford
  • Brainard
  • Brainardsville
  • Branchport
  • Brant
  • Brant Lake
  • Brantingham
  • Brasher Falls
  • Breesport
  • Breezy Point
  • Brentwood
  • Brewerton
  • Brewster
  • Briarcliff Manor
  • Bridgehampton
  • Bridgeport
  • Bridgewater
  • Brier Hill
  • Brightwaters
  • Broadalbin
  • Brockport
  • Brocton
  • Bronx
  • Bronxville
  • Brookfield
  • Brookhaven
  • Brooklyn
  • Brooktondale
  • Brookville
  • Brownville
  • Brushton
  • Buchanan
  • Buffalo
  • Bullville
  • Burdett
  • Burke
  • Burlingham
  • Burlington Flats
  • Burnt Hills
  • Burt
  • Buskirk
  • Byron
  • Cadyville
  • Cairo
  • Calcium
  • Caledonia
  • Callicoon
  • Callicoon Center
  • Calverton
  • Cambria Heights
  • Cambridge
  • Camden
  • Cameron
  • Cameron Mills
  • Camillus
  • Campbell
  • Campbell Hall
  • Canaan
  • Canadice
  • Canajoharie
  • Canandaigua
  • Canaseraga
  • Canastota
  • Candor
  • Caneadea
  • Canisteo
  • Canton
  • Cape Vincent
  • Carle Place
  • Carlisle
  • Carmel
  • Caroga Lake
  • Carthage
  • Cassadaga
  • Cassville
  • Castile
  • Castle Creek
  • Castle Point
  • Castleton On Hudson
  • Castorland
  • Cato
  • Catskill
  • Cattaraugus
  • Cayuga
  • Cayuga Heights
  • Cayuta
  • Cazenovia
  • Cedarhurst
  • Celoron
  • Center Moriches
  • Centereach
  • Centerport
  • Centerville
  • Central Bridge
  • Central Islip
  • Central Square
  • Central Valley
  • Centre Island
  • Ceres
  • Chadwicks
  • Chaffee
  • Champlain
  • Chappaqua
  • Charlotteville
  • Chase Mills
  • Chateaugay
  • Chatham
  • Chaumont
  • Chautauqua
  • Chazy
  • Chelsea
  • Chemung
  • Chenango Bridge
  • Chenango Forks
  • Cherry Creek
  • Cherry Plain
  • Cherry Valley
  • Chester
  • Chestertown
  • Chestnut Ridge
  • Chichester
  • Childwold
  • Chippewa Bay
  • Chittenango
  • Churchville
  • Churubusco
  • Cicero
  • Cincinnatus
  • Circleville
  • Clarence
  • Clarence Center
  • Clarendon
  • Clark Mills
  • Clarkson
  • Clarksville
  • Claryville
  • Claverack
  • Clay
  • Clayton
  • Clayville
  • Clemons
  • Cleveland
  • Cleverdale
  • Clifton Park
  • Clifton Springs
  • Climax
  • Clinton
  • Clinton Corners
  • Clintondale
  • Clockville
  • Clyde
  • Clymer
  • Cobleskill
  • Cochecton
  • Cochecton Center
  • Coeymans
  • Coeymans Hollow
  • Cohocton
  • Cohoes
  • Cold Brook
  • Cold Spring
  • Cold Spring Harbor
  • Colden
  • Colesville
  • College Point
  • Colliersville
  • Collins
  • Collins Center
  • Colonie
  • Colton
  • Columbiaville
  • Commack
  • Comstock
  • Conesus
  • Conewango Valley
  • Congers
  • Conklin
  • Connelly
  • Constable
  • Constableville
  • Constantia
  • Coopers Plains
  • Cooperstown
  • Copake
  • Copake Falls
  • Copenhagen
  • Copiague
  • Coram
  • Corbettsville
  • Corfu
  • Corinth
  • Corning
  • Cornwall
  • Cornwall On Hudson
  • Cornwallville
  • Corona
  • Cortland
  • Cortlandt Manor
  • Cossayuna
  • Cottekill
  • Cove Neck
  • Cowlesville
  • Coxsackie
  • Cragsmoor
  • Cranberry Lake
  • Craryville
  • Crittenden
  • Croghan
  • Crompond
  • Cropseyville
  • Cross River
  • Croton Falls
  • Croton On Hudson
  • Crown Point
  • Cuba
  • Cuddebackville
  • Cutchogue
  • Dale
  • Dalton
  • Dannemora
  • Dansville
  • Darien Center
  • Davenport
  • Davenport Center
  • Dayton
  • De Kalb Junction
  • De Lancey
  • De Peyster
  • De Ruyter
  • Deansboro
  • Deer Park
  • Deer River
  • Deferiet
  • Delanson
  • Delevan
  • Delhi
  • Delmar
  • Delphi Falls
  • Denmark
  • Denver
  • Depauville
  • Depew
  • Deposit
  • Derby
  • Dering Harbor
  • Dewittville
  • Dexter
  • Diamond Point
  • Dickinson Center
  • Dobbs Ferry
  • Dolgeville
  • Dormansville
  • Dover Plains
  • Downsville
  • Dresden
  • Dryden
  • Duanesburg
  • Dundee
  • Dunkirk
  • Durham
  • Durhamville
  • Eagle Bay
  • Eagle Bridge
  • Earlton
  • Earlville
  • East Amherst
  • East Aurora
  • East Berne
  • East Bethany
  • East Bloomfield
  • East Branch
  • East Chatham
  • East Concord
  • East Durham
  • East Elmhurst
  • East Greenbush
  • East Hampton
  • East Hills
  • East Homer
  • East Islip
  • East Jewett
  • East Marion
  • East Meadow
  • East Meredith
  • East Moriches
  • East Nassau
  • East Northport
  • East Norwich
  • East Otto
  • East Pembroke
  • East Pharsalia
  • East Quogue
  • East Randolph
  • East Rochester
  • East Rockaway
  • East Schodack
  • East Setauket
  • East Springfield
  • East Syracuse
  • East Williamson
  • East Williston
  • East Worcester
  • Eastchester
  • Eastport
  • Eaton
  • Eden
  • Edmeston
  • Edwards
  • Elba
  • Elbridge
  • Eldred
  • Elizabethtown
  • Elizaville
  • Elka Park
  • Ellenburg
  • Ellenburg Center
  • Ellenburg Depot
  • Ellenville
  • Ellicottville
  • Ellington
  • Ellisburg
  • Elma
  • Elmhurst
  • Elmira
  • Elmira Heights
  • Elmont
  • Elmsford
  • Endicott
  • Endwell
  • Erieville
  • Erin
  • Esopus
  • Esperance
  • Essex
  • Etna
  • Evans Mills
  • Fabius
  • Fair Haven
  • Fairport
  • Falconer
  • Fallsburg
  • Fancher
  • Far Rockaway
  • Farmersville Station
  • Farmingdale
  • Farmington
  • Farmingville
  • Farnham
  • Fayette
  • Fayetteville
  • Felts Mills
  • Ferndale
  • Feura Bush
  • Fillmore
  • Findley Lake
  • Fine
  • Fishers
  • Fishers Island
  • Fishers Landing
  • Fishkill
  • Fishs Eddy
  • Fleischmanns
  • Floral Park
  • Florida
  • Flower Hill
  • Flushing
  • Fly Creek
  • Fonda
  • Forest Hills
  • Forestburgh
  • Forestport
  • Forestville
  • Fort Ann
  • Fort Covington
  • Fort Drum
  • Fort Edward
  • Fort Hunter
  • Fort Johnson
  • Fort Montgomery
  • Fort Plain
  • Frankfort
  • Franklin
  • Franklin Springs
  • Franklin Square
  • Franklinville
  • Fredonia
  • Freedom
  • Freehold
  • Freeport
  • Freeville
  • Fremont Center
  • Fresh Meadows
  • Frewsburg
  • Friendship
  • Fulton
  • Fultonham
  • Fultonville
  • Gabriels
  • Gainesville
  • Gallupville
  • Galway
  • Gansevoort
  • Garden City
  • Gardiner
  • Garnerville
  • Garrattsville
  • Garrison
  • Gasport
  • Geneseo
  • Geneva
  • Genoa
  • Georgetown
  • Germantown
  • Gerry
  • Getzville
  • Ghent
  • Gilbertsville
  • Gilboa
  • Glasco
  • Glen Aubrey
  • Glen Cove
  • Glen Head
  • Glen Oaks
  • Glen Park
  • Glen Spey
  • Glen Wild
  • Glenfield
  • Glenford
  • Glenham
  • Glenmont
  • Glens Falls
  • Glenwood
  • Glenwood Landing
  • Gloversville
  • Godeffroy
  • Goldens Bridge
  • Gorham
  • Goshen
  • Gouverneur
  • Gowanda
  • Grafton
  • Grahamsville
  • Grand Gorge
  • Grand Island
  • Grand View-on-Hudson
  • Granite Springs
  • Granville
  • Great Bend
  • Great Neck
  • Great Neck Estates
  • Great Neck Plaza
  • Great River
  • Great Valley
  • Green Island
  • Greene
  • Greenfield Center
  • Greenfield Park
  • Greenhurst
  • Greenlawn
  • Greenport
  • Greenvale
  • Greenville
  • Greenwich
  • Greenwood
  • Greenwood Lake
  • Greig
  • Groton
  • Groveland
  • Guilderland
  • Guilderland Center
  • Guilford
  • Hadley
  • Hagaman
  • Hague
  • Hailesboro
  • Haines Falls
  • Halcottsville
  • Hall
  • Hamburg
  • Hamden
  • Hamilton
  • Hamlin
  • Hammond
  • Hammondsport
  • Hampton
  • Hampton Bays
  • Hancock
  • Hankins
  • Hannacroix
  • Hannawa Falls
  • Hannibal
  • Harford
  • Harpersfield
  • Harpursville
  • Harriman
  • Harris
  • Harrison
  • Harrisville
  • Hartford
  • Hartsdale
  • Hartwick
  • Hastings
  • Hastings On Hudson
  • Hauppauge
  • Haverstraw
  • Hawthorne
  • Head of the Harbor
  • Hector
  • Helena
  • Hemlock
  • Hempstead
  • Henderson
  • Henderson Harbor
  • Henrietta
  • Hensonville
  • Herkimer
  • Hermon
  • Heuvelton
  • Hewlett
  • Hewlett Bay Park
  • Hewlett Harbor
  • Hewlett Neck
  • Hicksville
  • High Falls
  • Highland
  • Highland Falls
  • Highland Lake
  • Highland Mills
  • Highmount
  • Hillburn
  • Hillsdale
  • Hilton
  • Himrod
  • Hinckley
  • Hinsdale
  • Hobart
  • Hoffmeister
  • Hogansburg
  • Holbrook
  • Holland
  • Holland Patent
  • Holley
  • Hollis
  • Hollowville
  • Holmes
  • Holtsville
  • Homer
  • Honeoye
  • Honeoye Falls
  • Hoosick
  • Hoosick Falls
  • Hopewell Junction
  • Hornell
  • Horseheads
  • Hortonville
  • Houghton
  • Howard Beach
  • Howells
  • Howes Cave
  • Hubbardsville
  • Hudson
  • Hudson Falls
  • Hughsonville
  • Huguenot
  • Huletts Landing
  • Hume
  • Hunt
  • Hunter
  • Huntington
  • Huntington Bay
  • Huntington Station
  • Hurley
  • Hurleyville
  • Hyde Park
  • Ilion
  • Indian Lake
  • Inlet
  • Interlaken
  • Inwood
  • Ionia
  • Irving
  • Irvington
  • Island Park
  • Islandia
  • Islip
  • Islip Terrace
  • Ithaca
  • Jackson Heights
  • Jacksonville
  • Jamaica
  • Jamesport
  • Jamestown
  • Jamesville
  • Jasper
  • Java Center
  • Java Village
  • Jay
  • Jefferson
  • Jefferson Valley
  • Jeffersonville
  • Jericho
  • Jewett
  • Johnsburg
  • Johnson
  • Johnson City
  • Johnsonville
  • Johnstown
  • Jordan
  • Jordanville
  • Kanona
  • Kaser
  • Katonah
  • Kattskill Bay
  • Kauneonga Lake
  • Keene
  • Keene Valley
  • Keeseville
  • Kendall
  • Kenmore
  • Kennedy
  • Kenoza Lake
  • Kensington
  • Kent
  • Kerhonkson
  • Keuka Park
  • Kew Gardens
  • Kiamesha Lake
  • Kill Buck
  • Killawog
  • Kinderhook
  • King Ferry
  • Kings Park
  • Kings Point
  • Kingston
  • Kirkville
  • Kirkwood
  • Kiryas Joel
  • Knowlesville
  • Knox
  • Knoxboro
  • La Fargeville
  • La Fayette
  • La Grange
  • Lackawanna
  • Lacona
  • Lagrangeville
  • Lake Clear
  • Lake George
  • Lake Grove
  • Lake Hill
  • Lake Huntington
  • Lake Katrine
  • Lake Luzerne
  • Lake Peekskill
  • Lake Placid
  • Lake Pleasant
  • Lake Success
  • Lake View
  • Lakemont
  • Lakeville
  • Lakewood
  • Lancaster
  • Lanesville
  • Lansing
  • Larchmont
  • Latham
  • Lattingtown
  • Laurel
  • Laurel Hollow
  • Laurens
  • Lawrence
  • Lawrenceville
  • Lawtons
  • Le Roy
  • Lee Center
  • Leeds
  • Leicester
  • Leon
  • Leonardsville
  • Levittown
  • Lewis
  • Lewisboro
  • Lewiston
  • Lexington
  • Liberty
  • Lily Dale
  • Lima
  • Limerick
  • Limestone
  • Lincolndale
  • Lindenhurst
  • Lindley
  • Linwood
  • Lisbon
  • Lisle
  • Little Falls
  • Little Genesee
  • Little Neck
  • Little Valley
  • Little York
  • Liverpool
  • Livingston
  • Livingston Manor
  • Livonia
  • Livonia Center
  • Lloyd Harbor
  • Loch Sheldrake
  • Locke
  • Lockport
  • Lockwood
  • Locust Valley
  • Lodi
  • Long Beach
  • Long Eddy
  • Long Island City
  • Long Lake
  • Lorraine
  • Lowman
  • Lowville
  • Lycoming
  • Lynbrook
  • Lyndonville
  • Lyon Mountain
  • Lyons
  • Lyons Falls
  • Macedon
  • Machias
  • Madison
  • Madrid
  • Mahopac
  • Mahopac Falls
  • Maine
  • Malden Bridge
  • Malden On Hudson
  • Mallory
  • Malone
  • Malverne
  • Mamaroneck
  • Manchester
  • Manhasset
  • Manlius
  • Mannsville
  • Manorhaven
  • Manorville
  • Maple Springs
  • Maple View
  • Maplecrest
  • Marathon
  • Marcellus
  • Marcy
  • Margaretville
  • Marietta
  • Marilla
  • Marion
  • Marlboro
  • Martinsburg
  • Martville
  • Maryknoll
  • Maryland
  • Masonville
  • Maspeth
  • Massapequa
  • Massapequa Park
  • Massena
  • Mastic
  • Mastic Beach
  • Matinecock
  • Mattituck
  • Maybrook
  • Mayfield
  • Mayville
  • McConnellsville
  • McDonough
  • McGraw
  • McLean
  • Mechanicville
  • Mecklenburg
  • Medford
  • Medina
  • Medusa
  • Mellenville
  • Melrose
  • Melville
  • Memphis
  • Menands
  • Mendon
  • Meridale
  • Meridian
  • Merrick
  • Mexico
  • Mid Hudson
  • Mid Island
  • Middle Falls
  • Middle Granville
  • Middle Grove
  • Middle Island
  • Middle Village
  • Middleburgh
  • Middleport
  • Middlesex
  • Middletown
  • Middleville
  • Milford
  • Mill Neck
  • Millbrook
  • Miller Place
  • Millerton
  • Millport
  • Millwood
  • Milton
  • Mineola
  • Minerva
  • Minetto
  • Mineville
  • Minoa
  • Model City
  • Modena
  • Mohawk
  • Mohegan Lake
  • Moira
  • Mongaup Valley
  • Monroe
  • Monsey
  • Montauk
  • Montebello
  • Montezuma
  • Montgomery
  • Monticello
  • Montour Falls
  • Montrose
  • Mooers
  • Mooers Forks
  • Moravia
  • Moriah
  • Moriah Center
  • Moriches
  • Morris
  • Morrisonville
  • Morristown
  • Morrisville
  • Morton
  • Mottville
  • Mount Kisco
  • Mount Marion
  • Mount Morris
  • Mount Sinai
  • Mount Tremper
  • Mount Upton
  • Mount Vernon
  • Mount Vision
  • Mountain Dale
  • Mountainville
  • Mumford
  • Munnsville
  • Munsey Park
  • Muttontown
  • Nanuet
  • Napanoch
  • Naples
  • Narrowsburg
  • Nassau
  • Natural Bridge
  • Nedrow
  • Nelliston
  • Nelsonville
  • Nesconset
  • Neversink
  • New Baltimore
  • New Berlin
  • New City
  • New Hampton
  • New Hartford
  • New Haven
  • New Hempstead
  • New Hyde Park
  • New Kingston
  • New Lebanon
  • New Lisbon
  • New Milford
  • New Paltz
  • New Rochelle
  • New Russia
  • New Square
  • New Suffolk
  • New Windsor
  • New Woodstock
  • New York
  • New York Mills
  • Newark
  • Newark Valley
  • Newburgh
  • Newcomb
  • Newfane
  • Newfield
  • Newport
  • Newton Falls
  • Newtonville
  • Niagara Falls
  • Niagara University
  • Nichols
  • Nicholville
  • Nineveh
  • Niobe
  • Nissequogue
  • Niverville
  • Norfolk
  • North Babylon
  • North Bangor
  • North Bay
  • North Blenheim
  • North Boston
  • North Branch
  • North Brookfield
  • North Chatham
  • North Chili
  • North Collins
  • North Creek
  • North Evans
  • North Granville
  • North Greece
  • North Haven
  • North Hills
  • North Hoosick
  • North Hornell
  • North Hudson
  • North Java
  • North Lawrence
  • North Norwich
  • North Pitcher
  • North River
  • North Rose
  • North Salem
  • North Syracuse
  • North Tonawanda
  • Northport
  • Northville
  • Norwich
  • Norwood
  • Nunda
  • Nyack
  • Oak Hill
  • Oakdale
  • Oakfield
  • Oakland Gardens
  • Oaks Corners
  • Obernburg
  • Ocean Beach
  • Oceanside
  • Odessa
  • Ogdensburg
  • Olcott
  • Old Bethpage
  • Old Brookville
  • Old Chatham
  • Old Field
  • Old Forge
  • Old Westbury
  • Olean
  • Olivebridge
  • Olmstedville
  • Oneida
  • Oneida Castle
  • Oneonta
  • Ontario
  • Ontario Center
  • Orangeburg
  • Orchard Park
  • Orient
  • Oriskany
  • Oriskany Falls
  • Orwell
  • Ossining
  • Oswegatchie
  • Oswego
  • Otego
  • Otisville
  • Otto
  • Ouaquaga
  • Ovid
  • Owego
  • Owls Head
  • Oxbow
  • Oxford
  • Oyster Bay
  • Oyster Bay Cove
  • Ozone Park
  • Painted Post
  • Palatine Bridge
  • Palenville
  • Palisades
  • Palmyra
  • Panama
  • Paradox
  • Parish
  • Parishville
  • Parksville
  • Patchogue
  • Patterson
  • Pattersonville
  • Paul Smiths
  • Pavilion
  • Pawling
  • Pearl River
  • Peconic
  • Peekskill
  • Pelham
  • Pelham Manor
  • Penfield
  • Penn Yan
  • Pennellville
  • Perkinsville
  • Perry
  • Perrysburg
  • Peru
  • Peterboro
  • Petersburg
  • Pharsalia
  • Phelps
  • Philadelphia
  • Phillipsport
  • Philmont
  • Phoenicia
  • Phoenix
  • Piercefield
  • Piermont
  • Pierrepont Manor
  • Piffard
  • Pike
  • Pine Bush
  • Pine City
  • Pine Hill
  • Pine Island
  • Pine Plains
  • Pine Valley
  • Piseco
  • Pitcher
  • Pittsford
  • Plainview
  • Plainville
  • Plandome
  • Plandome Heights
  • Plandome Manor
  • Plattekill
  • Plattsburgh
  • Pleasant Valley
  • Pleasantville
  • Plessis
  • Plymouth
  • Poestenkill
  • Point Lookout
  • Poland
  • Pomona
  • Pompey
  • Pond Eddy
  • Poplar Ridge
  • Poquott
  • Port Byron
  • Port Chester
  • Port Crane
  • Port Dickinson
  • Port Ewen
  • Port Gibson
  • Port Henry
  • Port Jefferson
  • Port Jefferson Station
  • Port Jervis
  • Port Kent
  • Port Leyden
  • Port Washington
  • Port Washington North
  • Portage
  • Portageville
  • Porter Corners
  • Portland
  • Portlandville
  • Portville
  • Potsdam
  • Poughkeepsie
  • Poughquag
  • Pound Ridge
  • Prattsburgh
  • Prattsville
  • Preble
  • Preston Hollow
  • Prospect
  • Pulaski
  • Pulteney
  • Pultneyville
  • Purchase
  • Purdys
  • Purling
  • Putnam Station
  • Putnam Valley
  • Pyrites
  • Quaker Street
  • Queens Village
  • Queensbury
  • Quogue
  • Rainbow Lake
  • Randolph
  • Ransomville
  • Raquette Lake
  • Ravena
  • Ray Brook
  • Raymondville
  • Reading Center
  • Red Creek
  • Red Hook
  • Redfield
  • Redford
  • Redwood
  • Rego Park
  • Remsen
  • Remsenburg
  • Rensselaer
  • Rensselaer Falls
  • Rensselaerville
  • Retsof
  • Rexford
  • Rexville
  • Rhinebeck
  • Rhinecliff
  • Richburg
  • Richfield Springs
  • Richford
  • Richland
  • Richmond Hill
  • Richmondville
  • Richville
  • Ridge
  • Ridgewood
  • Rifton
  • Riparius
  • Ripley
  • Riverhead
  • Riverside
  • Rochester
  • Rock City Falls
  • Rock Hill
  • Rock Stream
  • Rock Tavern
  • Rockaway Park
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  • Rye
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  • Southold
  • Sparkill
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  • Stony Point
  • Stormville
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  • Stow
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  • Stuyvesant
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  • Suffern
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  • Summit
  • Summitville
  • Sundown
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  • Troy
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  • Tully
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  • Turin
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  • Tyrone
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  • Upton
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  • Valley Falls
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  • Van Buren Point
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  • Vernon
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  • Westmoreland
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  • Westtown
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  • Youngstown
  • Youngsville
  • Yulan