New York Best CD Rates September 2026

Available Online

In-Branch

Early Withdrawal Penalties May Apply

(90 to 179 days)

Rates and Terms shown are for CDs opened or renewed online only.

Additional Deposits Permitted

Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.

New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.

Rates effective as of 3/02/2026.

Rates effective as of 3/02/2026.

Rates effective as of 3/02/2026.

Term: 6 months up to 1 year; Apply Online

1

New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.

New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.

Promotional Rates

Fixed Rate. $500.00 Minimum to open and obtain APY

The fixed interest rate is applied until maturity. This account pays simple interest. Interest is not compounded. Interest will be credited to your account at maturity. The account will be renewed automatically with interest rate determined at the time of maturity. Penalty will or may be imposed for early withdrawal. Please see the Bank's current fee schedule.

New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.

Legacy Club

Available Online

In-Branch

Promotional product.

Term: 1 1/2 Years (18 Months)

Penalty for early withdrawal: 60 days loss of dividends

Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.

Offer good for the initial term only for 9, 15 and 25 month Share Certificates. 9 month Share Certificate is automatically renewed for a 9 month term. 15 month Share Certificate is automatically renewed for a 12 month term. 25 month Share Certificate is automatically renewed for a 24 month term. All other Share Certificates are automatically renewed for same length as initial term. Advertised rate and APY are offered at the credit union's discretion and may change daily.

Fixed Rate. $500.00 Minimum to open and obtain APY

With compounding interest your savings grow daily, deposited monthly