CD Rates New York (NY) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current New York CD rates include Italo American Credit UnionItalo American Credit Union6652 Myrtle Ave, Glendale, NY 11385 7057A+5.0 ★Texas Ratio: 2.78%Real return: +2.45%APY minus CPI (February 2026) offering Regular IRA And Roth IRA 5 years at 5.25% APY, Municipal Credit UnionMunicipal Credit Union755 Co Op City Blvd, Bronx, NY 10475A5.0 ★Texas Ratio: 8.05%Real return: +1.53%APY minus CPI (February 2026) offering 12 Month Share Certificate K New Money at 4.33% APY, CFCU Community Credit UnionCFCU Community Credit Union1030 Craft Rd, Ithaca, NY 14850A+5.0 ★Texas Ratio: 4.92%Real return: +1.45%APY minus CPI (February 2026) offering 18-month IRA Certificate at 4.25% APY, Maspeth Federal S&LMaspeth Federal S&L5618 69th St, Maspeth, NY 11378A5.0 ★Texas Ratio: 6.07%Real return: +1.35%APY minus CPI (February 2026) offering 6 Month CD and IRA at 4.15% APY, and UGEFCUUGEFCU215 Old Campion Rd, New Hartford, NY 13413 4953A+5.0 ★Real return: +1.35%APY minus CPI (February 2026) offering 6 Months Share Certificates at 4.15% APY. CD rates as of April 21, 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 5.25% APY from Italo American Credit Union at 6652 Myrtle Ave, Glendale, NY 11385 7057. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 21, 2026
Compare Best CD Rates in New York
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
3 months up to 6 Certificates of Deposit (CD) April 1, 2026
$10,000
4.00%
▼
Rate3.94%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
(Apply Online)
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
3 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
7 Edward J Lempka Dr, Florida, NY 10921
Private 3-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 3 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit 3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
3 Month Certificate of Deposit - Branch
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
4142 Hylan Blvd, Staten Island, NY 10308
3 month IRAS
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA CD 3 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
330 5th Ave, New York, NY 10001
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Online Only
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Performance? CDs 3 month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
3 Month CD
$2,000
3.60%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 21, 2026
Details
APY (Annual Percentage Yield) based on balances of $2,000 or more
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
3-Month CD Special
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
3 Month Business CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
3 Month Star Relationship CD
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
3 Months CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
3 Month CD
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Certificates of Deposit 90 Day
$250
3.25%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY 12043 1263
3 month Share Certificates & IRAs
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
3-month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
183 Centre St, New York, NY 10013
3 MONTHS certificate of deposits
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
3 Months Certificate of Deposit
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Online
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
215 2nd Ave, New York, NY 10003
3 month Share Certificates
$1,000
2.88%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty May Apply
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
GU Certificates 3-month
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY 12090
IRA Term Share Certificates 3 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
3-Month CD
$1,000
2.75%
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and above
Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
1474 Myrtle Ave, Brooklyn, NY 11237 5128
3 month Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15408 Northern Blvd, Flushing, NY 11354
3 Month Certificate of Deposit
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
3 Month CD
$500
1.90%
▼
Rate1.88%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
3-Month Term/IRA Term
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month Member Certificates
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 3 Months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Certificate of Deposit (CD) 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
7 Front St, Rockville Centre, NY 11570
Investment Share and IRA Certificates 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
591 E Main St, Bay Shore, NY 11706 8505
3 Month Business Certificate Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.62%
4886 ARTHUR KILL RD, STATEN ISLAND, NY 10309
3 Month Certificates
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Share Certificates 3 Month
$100,000
0.90%
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1211 Avenue of the Americas Fl 18, New York, NY 10036
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
90 Day Certificates
$2,500
0.55%
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates 3 months
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY 14456 3502
3-Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY 13413 6207
IRA Certificate 3 Months
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 minimum balance to earn dividends
FNB of Groton
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
159 Main St, Groton, NY 13073
3 Month CD
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rockland Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.98%
170 Route 59, Spring Valley, NY 10977
3 months Term IRA & CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY 13413 4953
6 Months Share Certificates
$0
4.15%
▼
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
6 Month CD and IRA
$0
4.15%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
6 Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Limited Time
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY 13413 6207
IRA Certificate 6 Months
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 minimum balance to earn dividends
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
6 Months Certificates of Deposit
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Cds 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
6 Month Certificate of Deposit
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
6 months up to 1 year Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
(Apply Online)
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
6 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1490 Franklin Ave, Mineola, NY 11501 4801
6 Month Certificate
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY 13461
6 Months Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Certificates of Deposit 180 Day
$250
3.95%
▼
Rate3.87%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
156 W 56th St Fl 20, New York, NY 10019
6 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
207 Genesee St, Utica, NY 13501
Certificate of Deposit (CD) 4/1/2026 6 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
6 Month CD
$5,000
3.85%
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
390 E Henrietta Rd, Rochester, NY 14620
6 Month CD
$5,000
3.80%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit 6 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
6-month Term Share Certificate & IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Dulles State Office Building, WATERTOWN, NY 13601
6 Month Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
5503 8th Ave, Brooklyn, NY 11220
6-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
652 Albany Shaker Rd, Albany, NY 12211
6 months Certificates of Deposits
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
6 Month Jumbo CD with Active Account
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Business CDs 6 month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
6 Month Certificate of Deposit - Branch
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
6 Month CD
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
6 months Certificates
$250
3.65%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
110 Village Sq, Painted Post, NY 14870 1349
6 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
6 month Certificate Accounts
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
183 Centre St, New York, NY 10013
6 MONTHS certificate of deposits
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
87 Front St, Ballston Spa, NY 12020
6 Month CD/IRA
$10,000
3.60%
▼
Rate3.57%
Min Deposit$10,000
Min Balance—
UpdatedApr 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CDs 6 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
6 Month Health Savings Certificate
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1795 English Rd, Rochester, NY 14616
6 Months Share Certificates and IRA CDs
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
6-month Share Certificate and IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
6 Months - 18 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY 10036 2508
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1 Chemung Canal Plz, Elmira, NY 14901
NEW CD Special: 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
6-Month CD Special
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA CD 6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
131 George St, Oswego, NY 13126 2915
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
6 months Certificate of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
33 57 Harrison St, Johnson City, NY 13790
6 months Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
6 Months Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3031 William St, Cheektowaga, NY 14227
6 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
6 Month Star Relationship CD
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
Share Certificates 6 Months
$0
3.43%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
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: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 1 year
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
12 Month Share Certificate K New Money
$5,000
4.33%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
$5
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
12 Months Certificates of Deposit
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
1 year up to 2 Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
(Apply Online)
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
12 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY 12090
Premier Term Share Certificate 12 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Certificates of Deposit 1 Year
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY 13413 4953
12 Months Share Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY 13461
12 Months Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
12 Month Business CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
12 Month Certificate (IRA Only)
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
24 Glen Ave, Cooperstown, NY 13326 1122
12-month share certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
12 Month CD and IRA
$0
3.90%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
Term Share Certificates 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
156 W 56th St Fl 20, New York, NY 10019
12 Month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
5015 Roosevelt Ave, Woodside, NY 11377
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Limited time offer. Only available in our branches.
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
207 Genesee St, Utica, NY 13501
Certificate of Deposit (CD) 4/1/2026 1 Year
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
25 Rykowski Ln, Middletown, NY 10941 4019
12 Month Certificate Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1490 Franklin Ave, Mineola, NY 11501 4801
12 Month Certificate
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA CD 12 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
12 months Certificate of Deposit
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 min.; Additional terms available.; Offer ends April 20, 2026.
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit 12 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
12 Months Certificates of Deposit (CDs)
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
5503 8th Ave, Brooklyn, NY 11220
12-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CDs 12 Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
805 Ridge Rd, Webster, NY 14580
12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Remington Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
39 Central Plz, Ilion, NY 13357
Certificate of Deposit 12 months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates 83 / 12 Month - Int. Monthly
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
Certificates of Deposits 12 months
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $50,000
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
12-Month Flex Certificate Accounts & IRA Certificate Accounts
$750
3.64%
▼
Rate3.57%
Min Deposit$750
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Business CDs 1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Reliant Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3255 County Road 10, Canandaigua, NY 14424 9671
12-Month Investor and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
100 High St, Buffalo, NY 14203 1126
Certificates of Deposit 1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
183 Centre St, New York, NY 10013
12 MONTHS certificate of deposits
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
12 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
1-year Share Certificate and IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
90 E Bridge St, Oswego, NY 13126
12 Months Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
12 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY 14787
IRA Certificates 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Quarterly
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
215 2nd Ave, New York, NY 10003
12 Months IRA Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Tri State Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
28 Church St, Hoosick Falls, NY 12090
12 Month Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
12 Month Health Savings Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates 12 months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY 14052 0018
12 Month Jumbo Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
1 Year Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3031 William St, Cheektowaga, NY 14227
12 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CFCU Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1030 Craft Rd, Ithaca, NY 14850
18-month IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Now through April 15, earn up to 4.25% APY with our 18-month IRA Certificate.
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
18 Months Certificates of Deposit
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
18-Month Share Certificate Special
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY 13413 4953
18 Months Share Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
535 Broadhollow Rd Ste A4, Melville, NY 11747
18 Month CD for New Member
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$10,000 max
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
18 Month Business CD
$2,500
3.95%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
18 Months Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Online
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
18-month IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
18 Month Health Savings Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
18 Month Variable Rate IRA
$100
3.72%
▼
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
18 Month CD
$5,000
3.60%
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
112 State St, Albany, NY 12207
18 Months CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
Certificates of Deposits 18 months
$50,000
3.55%
▼
Rate3.49%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $50,000
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
390 E Henrietta Rd, Rochester, NY 14620
18 Month CD
$5,000
3.51%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 21, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
33 57 Harrison St, Johnson City, NY 13790
18 months Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Offer ends April 20, 2026.
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3031 William St, Cheektowaga, NY 14227
18 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
18 Months Certificates of Deposit (CDs)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
18 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit 18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
Share Certificates 18 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
18 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Performance? CDs 18 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
18 Month CD and IRA
$0
3.35%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
18-Month IRA Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Earn up to 3.30% APY*
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY 12090
Premier Term Share Certificate 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
GU Certificates 18-month
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY 14224
18 Month Term Share (Certificate)
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
18 Months Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
18 Month Jumbo Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
18 months Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
18 Month Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Sawyer Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
87 Market St, Saugerties, NY 12477
18 Month Certificates of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY 13413 6207
18 Months Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 minimum balance to earn dividends
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
18 Month Business Term Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
125 Wireless Blvd, Hauppauge, NY 11788 3971
18 Month Bump Up Share Certificate
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SPECIAL Share Certificate Rates
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
215 2nd Ave, New York, NY 10003
18 month Share Certificates
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty May Apply
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate Accounts 18 Month
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
4-Month Penalty for Early Withdrawal
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA CD 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
18 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
18-MONTH TERM ACCOUNT
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance to open and earn 2.85% APY (2.81% dividend rate): $100,000
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
IRA 18 Month
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
18 Month Star Relationship CD
$500
2.76%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
18-month Share Certificate
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
18-Month CD
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
18 Month Member Certificates
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
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: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 2 year
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Certificates of Deposit 1 1/2 Years
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
24 Months Certificates of Deposit
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
2 years up to 3 Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
(Apply Online)
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
24 Months Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Online
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
24 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
24 months Certificate of Deposit
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
2-year IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
24 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY 13413 4953
24 Months Share Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY 13461
24 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
24 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
207 Genesee St, Utica, NY 13501
Certificate of Deposit (CD) 4/1/2026 2 Years
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
Term Share Certificates 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
2-YEAR TREASURY INDEXED CD
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TOP THE TREASURY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CDs 24 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
2 Year IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
24 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
24-month IRA Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
IRA Sapling (24 months)
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
Share Certificates 24 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
24 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
100 High St, Buffalo, NY 14203 1126
Certificates of Deposit 2 year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
460 N Goodman St, Rochester, NY 14609 6135
24 Month SPECIAL Share Certificate
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
24-Month Certificate Account
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1616 Broadway, Schenectady, NY 12306
2 Years Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
1490 Franklin Ave, Mineola, NY 11501 4801
24 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
24 Month Health Savings Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
729 Proctor Ave, Ogdensburg, NY 13669
Certificates of Deposits 24 months
$50,000
3.45%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $50,000
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates 24 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
Dulles State Office Building, WATERTOWN, NY 13601
24 Month Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
5 Murray St, Glens Falls, NY 12801
Certificates of Deposit 24 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3031 William St, Cheektowaga, NY 14227
24 Months Share Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Performance? CDs 24 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
24 Month CD and IRA
$0
3.40%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
21131 Jamaica Ave, Queens Village, NY 11428 1621
2-Year Term CD
$100,000
3.37%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY 14787
IRA Certificates 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Quarterly
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
24 Month Jumbo Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
20935 Northern Blvd, Bayside, NY 11361
Certificates of Deposit 2 Year Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
183 Centre St, New York, NY 10013
24 MONTHS certificate of deposits
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Stewarts Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2911 State Route 9, Ballston Spa, NY 12020
24-Month Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
24 Months Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
24 Month CD
$1,000
3.23%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
24 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
3 years up to 4 Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
(Apply Online)
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
36 Months Certificates of Deposit
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
36 months Certificate of Deposit
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
36-month IRA Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
36 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ed-Med Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
601 FORD ST, OGDENSBURG, NY 13669
36 MONTH SHARE CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
36 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Certificates of Deposit 3 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY 13413 4953
36 Months Share Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
Term Share Certificates 36 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificates 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
36-Month Certificate Account
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
3 Year IRA Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
3-year IRA TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
36 Months Certificate of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Online
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
36 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
36 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
36 Months Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
33 57 Harrison St, Johnson City, NY 13790
3 years Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
5 Murray St, Glens Falls, NY 12801
Certificates of Deposit 36 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
36 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3031 William St, Cheektowaga, NY 14227
36 Months Share Certificate
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates 86 / 36 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
36 Month CD and IRA
$0
3.45%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year Term
$100,000
3.42%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Performance? CDs 36 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
36 Mo IRA Cert
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
215 2nd Ave, New York, NY 10003
36 Months IRA Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
3751 75th St, Jackson Heights, NY 11372
36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY 13461
36 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
36 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
36 Month CD
$1,000
3.18%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY 12090
Premier Term Share Certificate 36 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
36-MONTH TERM ACCOUNT
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance to open and earn 3.10% APY (3.06% dividend rate): $100,000
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Traditional IRA / Roth IRA Share Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and above
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
3-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY 14787
IRA Certificates 36 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Compounded Quarterly
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY 14224
36 Month Term Share (Certificate)
$2,500
3.03%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 21, 2026
Details
Remington Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
39 Central Plz, Ilion, NY 13357
Certificate of Deposit 36 months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA CD 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
36 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
736 Franklin Ave, Garden City, NY 11530
36 Months Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
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: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
48 months Certificate of Deposit
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
4 years up to 5 Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
(Apply Online)
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
Term Share Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Certificates of Deposit 4 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
4 Year IRA Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
48 Month Certificate of Deposit - Branch
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
48-Month Certificate Account
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
5 Murray St, Glens Falls, NY 12801
Certificates of Deposit 48 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
48 Months Certificate of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Online
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
48 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1321 Pittsford Mendon Rd, Mendon, NY 14506 9733
48 Months Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3031 William St, Cheektowaga, NY 14227
48 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
48 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
Performance? CDs 48 month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
48-MONTH TERM ACCOUNT
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance to open and earn 3.35% APY (3.30% dividend rate): $100,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
3751 75th St, Jackson Heights, NY 11372
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
215 2nd Ave, New York, NY 10003
48 month Share Certificates
$1,000
3.24%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty May Apply
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
48 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and above
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
48 Month CD
$1,000
3.08%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
4-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
48-Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
48 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
48 Month IRA Certificate
$500
3.00%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
48 Month Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates 48 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY 13461
48 Months Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
110 John Muir Dr, Amherst, NY 14228 1148
48 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA CD 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
62 S Elmwood Ave, Buffalo, NY 14202 2609
48 Months (Four Years) Share Certificates
$0
2.87%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
48 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
48 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
6750 MAIN ST, WILLIAMSVILLE, NY 14221
Savings & IRA 48 Months
$250
2.78%
▼
Rate2.75%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
927 Grant St, Buffalo, NY 14207 2820
IRA Share Certificate Accounts 4 Year
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
9-Month Penalty for Early Withdrawal
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
48 Months Certificates of Deposit (CDs)
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
48 Month Certificates and IRA
$500
2.69%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
48 Month Member Certificates
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
Bonus Certificate 48 months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
460 N Goodman St, Rochester, NY 14609 6135
48 Month Share Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY 13413 6207
IRA Certificate 48 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$1,000.00 minimum balance to earn dividends
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
4 Year Star Relationship CD
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
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: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 5 years
$0
5.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
341 Englewood Ave, Buffalo, NY 14223 2819
60 months Certificate of Deposit
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
5 years Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
(Apply Online)
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
2000 Westchester Ave, Purchase, NY 10577
60 Months Certificates of Deposit
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
Term Share Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
Certificates of Deposit 5 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
62 S Elmwood Ave, Buffalo, NY 14202 2609
60 Months (Five Years) Share Certificates
$0
3.71%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
5 Year IRA Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
60-Month Certificate Account
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
57 Lake Shore Dr W, Dunkirk, NY 14048 1517
IRA Certificates 60 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3031 William St, Cheektowaga, NY 14227
60 Months Share Certificate
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
60-MONTH TERM ACCOUNT
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Minimum balance to open and earn 3.60% APY (3.54% dividend rate):$100,000
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
IRA 60 Month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
5 Murray St, Glens Falls, NY 12801
Certificates of Deposit 60 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
4727 W Seneca Tpke, Syracuse, NY 13215 2119
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
Traditional IRA 60 Month CD and IRA
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
70 Glen St, Glen Cove, NY 11542
60 Months Certificate of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Online
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
60 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
33 57 Harrison St, Johnson City, NY 13790
5 years Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
2488 State Route 11, Mooers, NY 12958
60 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 21, 2026
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
1377 Motor Pkwy, Islandia, NY 11749
3.5-Year Bump Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
215 2nd Ave, New York, NY 10003
60 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Early Withdrawal Penalty May Apply
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
60 Month CD
$1,000
3.23%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 21, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1425 Jefferson Rd, Rochester, NY 14623
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
$100,000 and above
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
60 Month CD
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
165 W 46th St, New York, NY 10036 2508
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
60 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
390 W Seneca St, Sherrill, NY 13461
60 Months Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
60 Month IRA Certificate
$500
3.00%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
60 Month Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1 Commerce St, Poughkeepsie, NY 12603
Share & IRA Certificates 60 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
60 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
UGEFCU
Institution Rating:
A+5.0 ★
215 Old Campion Rd, New Hartford, NY 13413 4953
60 Months Share Certificates
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
4142 Hylan Blvd, Staten Island, NY 10308
60 month IRAS
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
110 John Muir Dr, Amherst, NY 14228 1148
60 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
60 Months Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
497 Electronics Pkwy, Liverpool, NY 13088 6062
5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA CD 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
5 Year CD
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
60 Month Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
Bonus Certificate 60 months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
60 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 60 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 21, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
60 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 21, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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New York CD Rate Trends
Compare local New York CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NY Avg
2.269%
▼ 0.107 vs 7 days ago
New York 12-month CD rates fell 0.107 points over the past 7 days to 2.269% APY.
6-Month CD — NY Avg
2.146%
▼ 0.237 vs 7 days ago
New York 6-month CD rates fell 0.237 points over the past 7 days to 2.146% APY.
As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NY CD Rate Forecast — Next 12 Months
Where are New York CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.269%
6-Month Forecast
2.269%
Range: 2.07% – 2.42%
12-Month Forecast
2.019%
Range: 1.82% – 2.17%
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What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.803% | $90.17 | $180.33 | $450.83 | $901.65 |
| 6-Month CD | 2.146% | $107.32 | $214.63 | $536.58 | $1,073.15 |
| 12-Month CD | 2.269% | $113.46 | $226.92 | $567.30 | $1,134.60 |
| 18-Month CD | 2.212% | $110.58 | $221.16 | $552.90 | $1,105.80 |
| 24-Month CD | 2.232% | $111.59 | $223.18 | $557.95 | $1,115.90 |
| 36-Month CD | 1.919% | $95.95 | $191.90 | $479.75 | $959.50 |
| 48-Month CD | 2.175% | $108.77 | $217.54 | $543.85 | $1,087.70 |
| 60-Month CD | 2.151% | $107.55 | $215.09 | $537.73 | $1,075.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026. | |||||
Sample CD Ladder for New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.803% | $90.17 |
| 2 | 6-Month CD | $5,000 | 2.146% | $107.32 |
| 3 | 12-Month CD | $5,000 | 2.269% | $113.46 |
| 4 | 24-Month CD | $5,000 | 2.232% | $111.59 |
| 5 | 36-Month CD | $5,000 | 1.919% | $95.95 |
| Total ($25,000 invested) | $25,000 | 2.074% blended | $518.49/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.
171
Institutions
in New York
in New York
71 Banks
100 Credit Unions
About Our New York CD Rate Database
MonitorBankRates tracks CD rates from 71 banks and 100 credit unions with locations in New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Italo American Credit Union offers a CD at 5.25% 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 100 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 — 171 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → New York savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → New York money market rates
New York Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$50,891
National avg: $47,340
Poverty Rate
14.0%
National avg: 11.1%
Unemployment Rate
6.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At NY 12-mo avg 2.269% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 2.269%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $115 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in New York
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
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:
- Italo American Credit Union: 5.25% APY (Regular IRA And Roth IRA 5 years)
- Municipal Credit Union: 4.33% APY (12 Month Share Certificate K New Money)
- CFCU Community Credit Union: 4.25% APY (18-month IRA Certificate)
- Maspeth Federal S&L: 4.15% APY (6 Month CD and IRA)
- UGEFCU: 4.15% APY (6 Months Share Certificates)
- Newtek Bank: 4.10% APY (6 Month CD)
- Morgan Stanley E-Trade: 4.10% APY (12 Months Certificates of Deposit)
- First Source Federal Credit Union: 4.05% APY (IRA Certificate 6 Months)
- SJP Federal Credit Union: 4.05% APY (60 months Certificate of Deposit)
- Metro Realtors Federal Credit Union: 4.00% APY (18 Month CD for New Member)
Rates reflect recent verified offers available in New York. Last Updated: April 21, 2026
CD Calculators for New York
New York CD Calculator
At today’s NY top rate of 5.25% APY, a $10,000 deposit earns $525 in the first year. Enter your amount to see your exact return.
New York CD LadderNY CD rates currently range from 1.803% (3-month) to 1.919% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New York CD at 5.25% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew York’s average 12-month CD is 2.269% 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
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 pulling data straight 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: April 21, 2026
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