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CD Rate Trends

Brooklyn, New York Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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

Brooklyn, New York CD rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Brooklyn, New York CD rates include Popular DirectPopular Direct2121 Avenue U, Brooklyn, NY 11229A+5.0 ★Texas Ratio: 2.12%Real return: +1.30%APY minus CPIRate verified Oct 19, 2026 offering 60 Month CD at 5.00% APY, Ridgewood Savings BankRidgewood Savings Bank8522 3rd Ave, Brooklyn, NY 11209A5.0 ★Texas Ratio: 9.37%Real return: +0.89%APY minus CPIRate verified Oct 22, 2026 offering 2-Year Treasury Indexed CD at 4.59% APY, Consumers Federal Credit UnionConsumers Federal Credit Union425 Neptune Ave, Brooklyn, NY 11224 4559A+5.0 ★Texas Ratio: 0.55%Real return: +0.88%APY minus CPIRate verified Oct 23, 2026 offering 1 Year Certificate at 4.58% APY, Global BankGlobal Bank7719 18th Avenue, Brooklyn, NY 11214D3.4 ★Texas Ratio: 33.77%Real return: +0.85%APY minus CPIRate verified Oct 22, 2026 offering Certificate of Deposit - 2-year at 4.55% APY, and Cross County Savings BankCross County Savings Bank731 Metropolitan Ave, Brooklyn, NY 11211A5.0 ★Texas Ratio: 12.84%Real return: +0.76%APY minus CPIRate verified Oct 21, 2026 offering 18 Month Variable Rate IRA at 4.46% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Brooklyn has 320 local institutions in our database, with CD rates as high as 5.00% APY from Popular Direct at 2121 Avenue U, Brooklyn, NY 11229. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New York area. Rates are continually updated, so we recommend checking back frequently.

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

Compare Best CD Rates in Brooklyn, New York & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Brooklyn 3 Month CD Rates

New York 3 Month CD Average2.08% APYNational 2.13%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2121 Avenue U, Brooklyn, NY 11229
3 Month CD
$0
4.30% ▲ 2.22% above New York avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 2.22% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.15% APYOct 14, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 4.15%
  • Oct 1, 20264.15%▲ from 3.95%
  • Sep 24, 20263.95%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch - 3 Month
$500
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
3 Month Certificates Of Deposit
$0
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Certificate of Deposit - 3-month
$1,000
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Certificate of Deposit - 3 Month
$1,000
3.70% ▲ 1.62% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
IRA CD - 3 Month
$1,000
3.70% ▲ 1.62% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
3-Month Certificate of Deposit
$500
3.55% ▲ 1.47% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.47% above avgNationally 2.13%
Details

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

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5512 8th Ave, Brooklyn, NY 11220
3 Month CD
$500
3.40% ▲ 1.32% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.32% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
Certificate of Deposit - 90 Day
$250
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
3 Month CD
$0
3.05% ▲ 0.97% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
IRA 3 Month CD
$0
3.05% ▲ 0.97% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
Share Certificates - 3 Month SC
$1,000
2.88% ▲ 0.80% above New York avg
View
▼
Rate2.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.80% above avgNationally 2.13%
Details

Rate History
No change since Oct 13, 2026 · 2.88% APY · checked 3 times
2.38%2.88%3.38%Oct 13, 2026: 2.88% APYOct 13, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 3-Month
$0
2.75% ▲ 0.67% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.67% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
In Branch Certificates of Deposit - 3-Month
$1,000
2.75% ▲ 0.67% above New York avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.67% above avgNationally 2.13%
Details

In-Branch Only; Minimum to open is $1,000

Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Online Certificates of Deposit - 3-Month
$1,000
2.75% ▲ 0.67% above New York avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.67% above avgNationally 2.13%
Details

Online Only; Minimum to open $1,000

Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Oct 25, 2026
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
3 Month Certificates of Deposit for Personal Accounts
$10,000
2.02% ▼ 0.06% below New York avg
View
▼
Rate2.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▼ 0.06% below avgNationally 2.13%
Details

Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity

Rate History
No change since Oct 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Oct 14, 2026: 2.02% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
3 Month TD Choice CD
$250
2.00% ▼ 0.08% below New York avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 0.08% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
3 Month CD
$500
2.00% ▼ 0.08% below New York avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▼ 0.08% below avgNationally 2.13%
Details

Minimum to Open and Earn APY: $500.00

Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
3 Month IRA
$500
2.00% ▼ 0.08% below New York avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▼ 0.08% below avgNationally 2.13%
Details

Rate History
1 change since Sep 19, 2026 · 1.90% → 2.00% ▲ 0.10 pts · high 2.00% / low 1.90%
1.40%1.95%2.50%Sep 19, 2026: 1.90% APYSep 24, 2026: 2.00% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20262.00%▲ from 1.90%
  • Sep 19, 20261.90%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
3 Month TD Choice CD
$250
1.99% ▼ 0.09% below New York avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 0.09% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 3 Months
$500
1.64% ▼ 0.44% below New York avg
View
▼
Rate1.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▼ 0.44% below avgNationally 2.13%
Details

Rate History
No change since Oct 15, 2026 · 1.64% APY · checked 2 times
1.14%1.64%2.14%Oct 15, 2026: 1.64% APYOct 15, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 3-Month
$0
1.50% ▼ 0.58% below New York avg
View
▼
Rate1.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 0.58% below avgNationally 2.13%
Details

Visit your nearest branch to open an account

Rate History
No change since Oct 22, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 22, 2026: 1.50% APYOct 22, 2026Oct 25, 2026
Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1750 86th St, Brooklyn, NY 11214
3 Month Certificate
$0
1.50% ▼ 0.58% below New York avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▼ 0.58% below avgNationally 2.13%
Details

Minimum balance of $500 required to open and earn interest

Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
IRA CDs - 3 months
$0
0.70% ▼ 1.38% below New York avg
View
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▼ 1.38% below avgNationally 2.13%
Details

Balance: $500-$249,999.99

Rate History
1 change since Sep 9, 2026 · 0.55% → 0.70% ▲ 0.15 pts · high 0.70% / low 0.55%
0.05%0.63%1.20%Sep 9, 2026: 0.55% APYSep 27, 2026: 0.70% APYSep 9, 2026Oct 25, 2026
  • Sep 27, 20260.70%▲ from 0.55%
  • Sep 9, 20260.55%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Flushing Avenue, Brooklyn, NY 11205
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06% ▼ 2.02% below New York avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▼ 2.02% below avgNationally 2.13%
Details

Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Flushing Avenue, Brooklyn, NY 11205
Standard Fixed Rate CD 3 month
$2,500
0.05% ▼ 2.03% below New York avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▼ 2.03% below avgNationally 2.13%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
Private 3 Month CD
$0
0.02% ▼ 2.06% below New York avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 2.06% below avgNationally 2.13%
Details

Balance: $500+; Private Checking account holders

Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Sep 9, 2026: 0.02% APYSep 9, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
Personal CD - 3 Month
$0
0.01% ▼ 2.07% below New York avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 2.07% below avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 25, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Certificate
$2,500
4.50% ▲ 2.42% above New York avg
View
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.42% above avgNationally 2.13%
Details

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

Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
0.20%3.43%6.65%Oct 13, 2026: 2.35% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 2.35%
  • Oct 13, 20262.35%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 3 Months
$0
4.23% ▲ 2.15% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.15% above avgNationally 2.13%
Details

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

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

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

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

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

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

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

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

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

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

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

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

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

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 25, 2026
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 3 Month
$0
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

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

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

Fixed rate

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

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

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

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

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month CD
$0
3.65% ▲ 1.57% above New York avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.57% above avgNationally 2.13%
Details

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

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

Minimum balance $500; Remarks: Credit Monthly

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

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details

High Yield Business CD; maximum deposit $250,000

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

Star Relationship CD

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 25, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35% ▲ 1.27% above New York avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.27% above avgNationally 2.13%
Details

Penalty for early withdrawal: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Regular Certificate
$0
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

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

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

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

Rate History
No change since Oct 23, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 25, 2026

Brooklyn 6 Month CD Rates

New York 6 Month CD Average2.82% APYNational 2.78%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2121 Avenue U, Brooklyn, NY 11229
6 Month CD
$0
4.35% ▲ 1.53% above New York avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 25, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
8010 5th Ave, Brooklyn, NY 11209
6-Month Business CD
$2,500
4.10% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
8010 5th Ave, Brooklyn, NY 11209
6-Month CD
$2,500
4.10% ▲ 1.28% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Certificate of Deposit - 6-month
$1,000
3.90% ▲ 1.08% above New York avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.08% above avgNationally 2.78%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
6 Month Certificate of Deposit
$0
3.80% ▲ 0.98% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.98% above avgNationally 2.78%
Details

Longer terms earn higher interest; No service fee

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 6 Months
$500
3.76% ▲ 0.94% above New York avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.94% above avgNationally 2.78%
Details

Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 15, 2026: 3.76% APYOct 15, 2026Oct 25, 2026
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
252 Broadway, Brooklyn, NY 11211
6-Month CD
$1,000
3.75% ▲ 0.93% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.93% above avgNationally 2.78%
Details

Promotional rate; Advertised rate fixed for initial term; CD minimum opening deposit of $1,000; Interest rates and APYs available only for accounts opened in a BankUnited branch; APY accurate as of October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
Certificate of Deposit - 180 Day (6 months)
$250
3.75% ▲ 0.93% above New York avg
View
▼
Rate3.68%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 0.93% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 3.75% ▲ 0.08 pts · high 3.75% / low 3.67%
3.17%3.71%4.25%Sep 14, 2026: 3.67% APYOct 3, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20263.75%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Certificate of Deposit - 6 Month
$1,000
3.70% ▲ 0.88% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 0.88% above avgNationally 2.78%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
IRA CD - 6 Month
$1,000
3.70% ▲ 0.88% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 0.88% above avgNationally 2.78%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5512 8th Ave, Brooklyn, NY 11220
6 Month CD
$500
3.65% ▲ 0.83% above New York avg
View
▼
Rate3.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.83% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch - 6 Month
$500
3.65% ▲ 0.83% above New York avg
View
▼
Rate3.58%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.83% above avgNationally 2.78%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
6-Month Certificate of Deposit
$500
3.50% ▲ 0.68% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.68% above avgNationally 2.78%
Details

Earn 3.50% APY on balances of $500 or more; Account matures in 6 months; Fund up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
6-Month Fixed Rate CD
$0
3.50% ▲ 0.68% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.68% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
6 Month 360 CD
$0
3.30% ▲ 0.48% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.48% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30%
2.30%3.80%5.30%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.30% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.30%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
5418 8th Ave, Brooklyn, NY 11220
Online Personal CD - 6 Month CD
$5,000
3.30% ▲ 0.48% above New York avg
View
▼
Rate3.25%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.48% above avgNationally 2.78%
Details

Online Only; Minimum opening balance is $5,000; Early withdrawal penalty applies

Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 25, 2026
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
6 Month Certificates of Deposit for Personal Accounts
$10,000
3.30% ▲ 0.48% above New York avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 0.48% above avgNationally 2.78%
Details

Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity

Rate History
1 change since Oct 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53%
1.76%2.92%4.07%Oct 14, 2026: 2.53% APYOct 20, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20263.30%▲ from 2.53%
  • Oct 14, 20262.53%first recorded
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
Certificate of Deposit - 6 Months
$10,000
3.30% ▲ 0.48% above New York avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 0.48% above avgNationally 2.78%
Details

Balance: $10,000 - $499,999.99; Interest compounded daily, paid at maturity

Rate History
No change since Oct 20, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 20, 2026: 3.30% APYOct 20, 2026Oct 25, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
350 Jay St, Brooklyn, NY 11201
6-month IRA Share Certificate
$0
3.30% ▲ 0.48% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 0.48% above avgNationally 2.78%
Details

Fixed Rate IRA; APY footnote (*APY)

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
Share Certificates - 6 Month SC
$1,000
3.19% ▲ 0.37% above New York avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.37% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.19% APY · checked 3 times
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
IRA CDs - 6 months
$0
3.04% ▲ 0.22% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.22% above avgNationally 2.78%
Details

Balance: $500-$249,999.99

Rate History
1 change since Sep 9, 2026 · 2.89% → 3.04% ▲ 0.15 pts · high 3.04% / low 2.89%
2.39%2.97%3.54%Sep 9, 2026: 2.89% APYSep 27, 2026: 3.04% APYSep 9, 2026Oct 25, 2026
  • Sep 27, 20263.04%▲ from 2.89%
  • Sep 9, 20262.89%first recorded
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
6 Month CD
$0
3.02% ▲ 0.20% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.20% above avgNationally 2.78%
Details

Balance: $500-$249,999.99

Rate History
No change since Oct 14, 2026 · 3.02% APY · checked 2 times
2.52%3.02%3.52%Oct 14, 2026: 3.02% APYOct 14, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
6-Month CD
$500
3.02% ▲ 0.20% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.20% above avgNationally 2.78%
Details

Personal; Guaranteed rate; FDIC insured; Rates effective as of 09/25/2026; Maximum opening deposit $249,999.99 if opened online, no opening deposit restriction in branch

Rate History
No change since Sep 27, 2026 · 3.02% APY · checked 5 times
2.52%3.02%3.52%Sep 27, 2026: 3.02% APYSep 27, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 6-Month CD
$500
3.02% ▲ 0.20% above New York avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.20% above avgNationally 2.78%
Details

Balance: $500-$249,999.99; Rates effective as of 09/25/2026; Max opening deposit $249,999.99 if opened online

Rate History
No change since Oct 14, 2026 · 3.02% APY · checked 2 times
2.52%3.02%3.52%Oct 14, 2026: 3.02% APYOct 14, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 6-Month
$0
3.00% ▲ 0.18% above New York avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 0.18% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
In Branch Certificates of Deposit - 6-Month
$1,000
3.00% ▲ 0.18% above New York avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 0.18% above avgNationally 2.78%
Details

In-Branch Only; Minimum to open is $1,000

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Online Certificates of Deposit - 6-Month
$1,000
3.00% ▲ 0.18% above New York avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 0.18% above avgNationally 2.78%
Details

Online Only; Minimum to open $1,000

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1750 86th St, Brooklyn, NY 11214
6 Month Certificate
$0
2.75% ▼ 0.07% below New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▼ 0.07% below avgNationally 2.78%
Details

Minimum balance of $500 required to open and earn interest

Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
6 Month CD
$0
2.50% ▼ 0.32% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.32% below avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
IRA 6 Month CD
$0
2.50% ▼ 0.32% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.32% below avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
6 Month CD
$500
2.15% ▼ 0.67% below New York avg
View
▼
Rate2.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▼ 0.67% below avgNationally 2.78%
Details

Minimum to Open and Earn APY: $500.00

Rate History
No change since Sep 24, 2026 · 2.15% APY · checked 7 times
1.65%2.15%2.65%Sep 24, 2026: 2.15% APYSep 24, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
6 Month IRA
$500
2.15% ▼ 0.67% below New York avg
View
▼
Rate2.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▼ 0.67% below avgNationally 2.78%
Details

Rate History
1 change since Sep 19, 2026 · 2.05% → 2.15% ▲ 0.10 pts · high 2.15% / low 2.05%
1.55%2.10%2.65%Sep 19, 2026: 2.05% APYSep 24, 2026: 2.15% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20262.15%▲ from 2.05%
  • Sep 19, 20262.05%first recorded
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
6 Month Regular & IRA Certificates
$0
2.02% ▼ 0.80% below New York avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▼ 0.80% below avgNationally 2.78%
Details

Daily Avg. Balance/Min. Deposit: $500.00

Rate History
No change since Sep 18, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 18, 2026: 2.02% APYSep 18, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
Regular & IRA Certificates - 6 months
$500
2.02% ▼ 0.80% below New York avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▼ 0.80% below avgNationally 2.78%
Details

Daily Avg. Balance/Min. Deposit $500.00; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
6 Month TD Choice CD
$250
2.00% ▼ 0.82% below New York avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.82% below avgNationally 2.78%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
6 Month TD Choice CD
$250
1.99% ▼ 0.83% below New York avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.83% below avgNationally 2.78%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 6-Month
$0
1.50% ▼ 1.32% below New York avg
View
▼
Rate1.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 1.32% below avgNationally 2.78%
Details

Visit your nearest branch to open an account

Rate History
No change since Oct 22, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 22, 2026: 1.50% APYOct 22, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
6 Month Certificates Of Deposit
$0
0.75% ▼ 2.07% below New York avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▼ 2.07% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Flushing Avenue, Brooklyn, NY 11205
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06% ▼ 2.76% below New York avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▼ 2.76% below avgNationally 2.78%
Details

Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
6 Month TD No Catch CD
$0
0.05% ▼ 2.77% below New York avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 2.77% below avgNationally 2.78%
Details

6 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 Flushing Avenue, Brooklyn, NY 11205
Standard Fixed Rate CD 6 month
$2,500
0.05% ▼ 2.77% below New York avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▼ 2.77% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
Private 6 Month CD
$0
0.02% ▼ 2.80% below New York avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 2.80% below avgNationally 2.78%
Details

Balance: $500+; Private Checking account holders

Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Sep 9, 2026: 0.02% APYSep 9, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
Personal CD - 6 Month
$0
0.01% ▼ 2.81% below New York avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 2.81% below avgNationally 2.78%
Details

Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 25, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
6 Month Youth Share Certificate
$0
6.00% ▲ 3.18% above New York avg
View
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 3.18% above avgNationally 2.78%
Details

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

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

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

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

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

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

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

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

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

Effective October 22 through October 28, 2026

Rate History
1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 4, 2026: 4.25% APYOct 23, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.25%
  • Oct 4, 20264.25%first recorded

Brooklyn 12 Month CD Rates

New York 12 Month CD Average3.05% APYNational 2.99%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2121 Avenue U, Brooklyn, NY 11229
12 Month CD
$0
4.60% ▲ 1.55% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 1.55% above avgNationally 2.99%
Details

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

Early withdrawal penalty: 120 days simple interest for one year

Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 5, 2026: 4.58% APYOct 5, 2026Oct 25, 2026
MyBankingDirect.com
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
12-Month CD
$500
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
8010 5th Ave, Brooklyn, NY 11209
12-Month Business CD
$500
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
8010 5th Ave, Brooklyn, NY 11209
12-Month CD
$500
4.30% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Certificate of Deposit - 12 Month
$1,000
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
1 change since Sep 11, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 11, 2026: 3.70% APYSep 24, 2026: 4.25% APYSep 11, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 3.70%
  • Sep 11, 20263.70%first recorded
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
IRA CD - 12 Month
$1,000
4.25% ▲ 1.20% above New York avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
1 change since Sep 19, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 19, 2026: 3.70% APYSep 24, 2026: 4.25% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20264.25%▲ from 3.70%
  • Sep 19, 20263.70%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
12 Month TD Choice CD
$250
4.15% ▲ 1.10% above New York avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.10% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
12 Month TD Choice CD
$250
4.14% ▲ 1.09% above New York avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.09% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
12 Month Certificates Of Deposit
$0
4.10% ▲ 1.05% above New York avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 1.05% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 3, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
350 Jay St, Brooklyn, NY 11201
12-Month Certificate New Money Bonus Rate
$5,000
4.07% ▲ 1.02% above New York avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 1.02% above avgNationally 2.99%
Details

$5K; Requires at least $5,000 of New Money deposited at opening or renewal; 0.50 percentage-point dividend increase if eligibility requirements are met; early withdrawal penalty: 180 Days Dividends

Rate History
No change since Oct 19, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 19, 2026: 4.07% APYOct 19, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
1-year online CDs
$0
4.00% ▲ 0.95% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
12 Month 360 CD
$0
4.00% ▲ 0.95% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Certificate of Deposit - 12-month
$1,000
4.00% ▲ 0.95% above New York avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
Certificate of Deposit - 1 Year (12 months)
$250
4.00% ▲ 0.95% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 0.95% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
BankUnited
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
252 Broadway, Brooklyn, NY 11211
12-Month CD
$1,000
3.95% ▲ 0.90% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.90% above avgNationally 2.99%
Details

Promotional rate; Advertised rate fixed for initial term; CD minimum opening deposit of $1,000; Interest rates and APYs available only for accounts opened in a BankUnited branch; APY accurate as of October 19, 2026

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
350 Jay St, Brooklyn, NY 11201
12-month IRA Share Certificate
$0
3.56% ▲ 0.51% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 0.51% above avgNationally 2.99%
Details

Fixed Rate IRA; APY footnote (*APY)

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 9 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
12 Month CD
$500
3.55% ▲ 0.50% above New York avg
View
▼
Rate3.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 0.50% above avgNationally 2.99%
Details

Minimum to Open and Earn APY: $500.00

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
12 Month IRA
$500
3.55% ▲ 0.50% above New York avg
View
▼
Rate3.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 0.50% above avgNationally 2.99%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.55% ▲ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 19, 2026: 3.50% APYSep 24, 2026: 3.55% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.55%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
12 Months IRA Share Certificate
$0
3.55% ▲ 0.50% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.50% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 10 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
12-Month Fixed Rate CD
$0
3.50% ▲ 0.45% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch - 12 Month
$500
3.50% ▲ 0.45% above New York avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.45% above avgNationally 2.99%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
12 Month Certificate of Deposit
$0
3.50% ▲ 0.45% above New York avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
12 Month IRA Certificate
$0
3.50% ▲ 0.45% above New York avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.45% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 1-year
$1,000
3.50% ▲ 0.45% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 0.45% above avgNationally 2.99%
Details

Balance: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA 1-Year
$1,000
3.50% ▲ 0.45% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 0.45% above avgNationally 2.99%
Details

Traditional IRA; Amount: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
12 Month CD
$2,500
3.43% ▲ 0.38% above New York avg
View
▼
Rate3.38%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 0.38% above avgNationally 2.99%
Details

Minimum daily balance to obtain APY: $2,500+

Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 9 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
12 Month IRA CD
$2,500
3.43% ▲ 0.38% above New York avg
View
▼
Rate3.38%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 0.38% above avgNationally 2.99%
Details

IRA Certificate of Deposit; Balance: $2,500 and over

Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 8 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
1 Year CD
$0
3.40% ▲ 0.35% above New York avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.35% above avgNationally 2.99%
Details

Balance: $500-$249,999.99

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
1-Year CD
$500
3.40% ▲ 0.35% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.35% above avgNationally 2.99%
Details

Personal; Guaranteed rate; FDIC insured; Rates effective as of 09/25/2026; Maximum opening deposit $249,999.99 if opened online, no opening deposit restriction in branch

Rate History
No change since Sep 27, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 27, 2026: 3.40% APYSep 27, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 1-Year CD
$500
3.40% ▲ 0.35% above New York avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.35% above avgNationally 2.99%
Details

Balance: $500-$249,999.99; Maximum opening deposit $249,999.99 if opened online; Rates effective as of 09/25/2026

Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 25, 2026
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
12 Month Certificates of Deposit for Personal Accounts
$10,000
3.30% ▲ 0.25% above New York avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 0.25% above avgNationally 2.99%
Details

Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity

Rate History
1 change since Oct 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53%
1.76%2.92%4.07%Oct 14, 2026: 2.53% APYOct 20, 2026: 3.30% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20263.30%▲ from 2.53%
  • Oct 14, 20262.53%first recorded
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
Certificate of Deposit - 12 Months
$10,000
3.30% ▲ 0.25% above New York avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 0.25% above avgNationally 2.99%
Details

Balance: $10,000 - $499,999.99; Interest compounded daily, paid at maturity

Rate History
No change since Oct 20, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 20, 2026: 3.30% APYOct 20, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
Share Certificates - 12 Month SC
$1,000
3.29% ▲ 0.24% above New York avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.24% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Oct 13, 2026: 3.29% APYOct 13, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1545 Flatbush Ave, Brooklyn, NY 11210
1 Year Online CD
$0
3.25% ▲ 0.20% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.20% above avgNationally 2.99%
Details

Interest rate 3.20%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
IRA CDs - 1 year
$0
3.25% ▲ 0.20% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.20% above avgNationally 2.99%
Details

Balance: $500-$249,999.99

Rate History
1 change since Sep 9, 2026 · 2.99% → 3.25% ▲ 0.26 pts · high 3.25% / low 2.99%
2.49%3.12%3.75%Sep 9, 2026: 2.99% APYSep 27, 2026: 3.25% APYSep 9, 2026Oct 25, 2026
  • Sep 27, 20263.25%▲ from 2.99%
  • Sep 9, 20262.99%first recorded
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5512 8th Ave, Brooklyn, NY 11220
12 Month CD
$500
3.00% ▼ 0.05% below New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▼ 0.05% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
5418 8th Ave, Brooklyn, NY 11220
12 Month Promo CD
$5,000
3.00% ▼ 0.05% below New York avg
View
▼
Rate2.96%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▼ 0.05% below avgNationally 2.99%
Details

Online Only; Minimum opening balance is $5,000; Account is subject to early withdrawal penalty

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 1-Year
$0
3.00% ▼ 0.05% below New York avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 0.05% below avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
In Branch Certificates of Deposit - 1-Year
$1,000
3.00% ▼ 0.05% below New York avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 0.05% below avgNationally 2.99%
Details

In-Branch Only; Minimum to open is $1,000

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Online Certificates of Deposit - 1-Year
$1,000
3.00% ▼ 0.05% below New York avg
View
▼
Rate2.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 0.05% below avgNationally 2.99%
Details

Online Only; Minimum to open $1,000

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1750 86th St, Brooklyn, NY 11214
12 Month Certificate
$0
2.50% ▼ 0.55% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.55% below avgNationally 2.99%
Details

Minimum balance of $500 required to open and earn interest

Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
12 Month Regular & IRA Certificates
$0
2.28% ▼ 0.77% below New York avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▼ 0.77% below avgNationally 2.99%
Details

Daily Avg. Balance/Min. Deposit: $500.00

Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 5 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
Regular & IRA Certificates - 12 months
$500
2.28% ▼ 0.77% below New York avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▼ 0.77% below avgNationally 2.99%
Details

Daily Avg. Balance/Min. Deposit $500.00; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 5 times
1.78%2.28%2.78%Sep 14, 2026: 2.28% APYSep 14, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 12 Month Young Adult Building
$500
2.24% ▼ 0.81% below New York avg
View
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.81% below avgNationally 2.99%
Details

Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 2 times
1.74%2.24%2.74%Oct 15, 2026: 2.24% APYOct 15, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 12 Month Youth
$500
2.24% ▼ 0.81% below New York avg
View
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.81% below avgNationally 2.99%
Details

Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 2 times
1.74%2.24%2.74%Oct 15, 2026: 2.24% APYOct 15, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
12 Month CD
$0
2.00% ▼ 1.05% below New York avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 1.05% below avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
IRA 12 Month CD
$0
2.00% ▼ 1.05% below New York avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 1.05% below avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 1 Year
$500
1.99% ▼ 1.06% below New York avg
View
▼
Rate1.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.06% below avgNationally 2.99%
Details

Rate History
No change since Oct 15, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 15, 2026: 1.99% APYOct 15, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - Building 1 Year
$500
1.99% ▼ 1.06% below New York avg
View
▼
Rate1.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.06% below avgNationally 2.99%
Details

Rate History
No change since Oct 15, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 15, 2026: 1.99% APYOct 15, 2026Oct 25, 2026

Brooklyn 18 Month CD Rates

New York 18 Month CD Average2.93% APYNational 2.88%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2121 Avenue U, Brooklyn, NY 11229
18 Month CD
$0
4.75% ▲ 1.82% above New York avg
View
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 1.82% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYOct 19, 2026: 4.75% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.75%▲ from 4.65%
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
18 Month Variable Rate IRA
$100
4.46% ▲ 1.53% above New York avg
View
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.53% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
3.65%4.31%4.96%Sep 19, 2026: 4.15% APYOct 7, 2026: 4.46% APYSep 19, 2026Oct 25, 2026
  • Oct 7, 20264.46%▲ from 4.15%
  • Sep 19, 20264.15%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
Certificate of Deposit - 1 1/2 Years (18 Months)
$250
4.40% ▲ 1.47% above New York avg
View
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.47% above avgNationally 2.88%
Details

Term: 1 1/2 Years (18 Months)

Rate History
No change since Oct 22, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
18 Month TD Choice CD
$250
4.25% ▲ 1.32% above New York avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
8010 5th Ave, Brooklyn, NY 11209
18-Month CD
$500
4.25% ▲ 1.32% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
18 Month TD Choice CD
$250
4.24% ▲ 1.31% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.31% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
215 Atlantic Ave, Brooklyn, NY 11201
18-Month CD
$500
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
Private 18 Month CD
$0
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
0.00%3.99%7.98%Sep 9, 2026: 0.02% APYOct 2, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 2, 20264.00%▲ from 0.02%
  • Sep 9, 20260.02%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2664 Atlantic Ave, Brooklyn, NY 11207
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.92% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.92% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2664 Atlantic Ave, Brooklyn, NY 11207
18-Month M&T Select CD
$1,000
3.85% ▲ 0.92% above New York avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.92% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
18-Month CD
$500
3.75% ▲ 0.82% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.82% above avgNationally 2.88%
Details

Limited Time CD Offer; Promotional APY; Open with as little as $500; Enjoy the security of a locked in rate; Earn guaranteed returns

Rate History
1 change since Sep 24, 2026 · 0.01% → 3.75% ▲ 3.74 pts · high 3.75% / low 0.01%
0.00%3.75%7.49%Sep 24, 2026: 0.01% APYOct 2, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
  • Oct 2, 20263.75%▲ from 0.01%
  • Sep 24, 20260.01%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
Personal CD - 18 Month
$0
3.75% ▲ 0.82% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Certificate of Deposit - 18-month
$1,000
3.75% ▲ 0.82% above New York avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.82% above avgNationally 2.88%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
18 Month 360 CD
$0
3.60% ▲ 0.67% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch - 18 Month
$500
3.50% ▲ 0.57% above New York avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 0.57% above avgNationally 2.88%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
18 Month Certificate of Deposit
$0
3.50% ▲ 0.57% above New York avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
18 Month IRA Certificate
$0
3.50% ▲ 0.57% above New York avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
18 Month HI-Rise CD
$2,500
3.43% ▲ 0.50% above New York avg
View
▼
Rate3.38%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.50% above avgNationally 2.88%
Details

Minimum daily balance to obtain APY: $2,500

Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 9 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
18-Month CD
$2,500
3.43% ▲ 0.50% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.50% above avgNationally 2.88%
Details

Up to 3.43% Annual Percentage Yield advertised; minimum deposit of $2,500; interest compounds daily, deposited monthly; rate increase may be requested if offering rises

Rate History
No change since Sep 14, 2026 · 3.43% APY · checked 5 times
2.93%3.43%3.93%Sep 14, 2026: 3.43% APYSep 14, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
18 Month CD
$500
3.40% ▲ 0.47% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 0.47% above avgNationally 2.88%
Details

Minimum to Open and Earn APY: $500.00

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
18 Month IRA
$500
3.40% ▲ 0.47% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 0.47% above avgNationally 2.88%
Details

Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 19, 2026: 3.40% APYSep 19, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
Share Certificates - 18 Month SC
$1,000
3.34% ▲ 0.41% above New York avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 0.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.34% APY · checked 3 times
2.84%3.34%3.84%Oct 13, 2026: 3.34% APYOct 13, 2026Oct 25, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
350 Jay St, Brooklyn, NY 11201
18-Month IRA Certificate
$0
3.30% ▲ 0.37% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 0.37% above avgNationally 2.88%
Details

Earn up to 3.30% APY when you open an 18-month IRA Share Certificate; variable rate account, rate may change after the account is opened; penalty may be imposed for early withdrawals

Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Oct 9, 2026: 3.30% APYOct 9, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
18 Month CD
$1,000
3.17% ▲ 0.24% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.24% above avgNationally 2.88%
Details

Minimum daily balance to obtain APY: $1,000+

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 9 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
18 Month IRA CD
$1,000
3.17% ▲ 0.24% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.24% above avgNationally 2.88%
Details

IRA Certificate of Deposit; Balance: $1,000 and over

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 8 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5512 8th Ave, Brooklyn, NY 11220
18 Month CD
$500
3.00% ▲ 0.07% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 0.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Certificate of Deposit - 18 Month
$1,000
3.00% ▲ 0.07% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 0.07% above avgNationally 2.88%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
IRA CD - 18 Month
$1,000
3.00% ▲ 0.07% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 0.07% above avgNationally 2.88%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 18-Month
$0
2.50% ▼ 0.43% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 0.43% below avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
In Branch Certificates of Deposit - 18-Month
$1,000
2.50% ▼ 0.43% below New York avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 0.43% below avgNationally 2.88%
Details

In-Branch Only; Minimum to open is $1,000

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Online Certificates of Deposit - 18-Month
$1,000
2.50% ▼ 0.43% below New York avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 0.43% below avgNationally 2.88%
Details

Online Only; Minimum to open $1,000

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
18 Month Certificates of Deposit for Personal Accounts
$10,000
1.26% ▼ 1.67% below New York avg
View
▼
Rate1.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▼ 1.67% below avgNationally 2.88%
Details

Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity

Rate History
No change since Oct 14, 2026 · 1.26% APY · checked 3 times
0.76%1.26%1.76%Oct 14, 2026: 1.26% APYOct 14, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 18-Month
$0
1.25% ▼ 1.68% below New York avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 1.68% below avgNationally 2.88%
Details

Visit your nearest branch to open an account

Rate History
No change since Oct 22, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 22, 2026: 1.25% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
18 Month CD
$0
0.50% ▼ 2.43% below New York avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.43% below avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
IRA 18 Month CD
$0
0.50% ▼ 2.43% below New York avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.43% below avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Month Certificate of Deposit
$0
4.55% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
Details

FDIC insurance: at least $250,000

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Rate History
1 change since Sep 17, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
3.30%4.20%5.10%Sep 17, 2026: 3.90% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 3.90%
  • Sep 17, 20263.90%first recorded
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18-Month CD
$500
4.44% ▲ 1.51% above New York avg
View
▼
Rate4.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.51% above avgNationally 2.88%
Details

New money only; financial institutions ineligible

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

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

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.37% ▲ 1.44% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.44% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

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

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

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

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

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

Available: Online

Rate History
No change since Oct 22, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 25, 2026

Brooklyn 24 Month CD Rates

New York 24 Month CD Average2.92% APYNational 2.90%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2121 Avenue U, Brooklyn, NY 11229
24 Month CD
$0
4.80% ▲ 1.88% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 24, 2026 · 4.45% → 4.80% ▲ 0.35 pts · high 4.80% / low 4.45%
3.95%4.63%5.30%Sep 24, 2026: 4.45% APYOct 1, 2026: 4.65% APYOct 14, 2026: 4.70% APYOct 19, 2026: 4.80% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.80%▲ from 4.70%
  • Oct 14, 20264.70%▲ from 4.65%
  • Oct 1, 20264.65%▲ from 4.45%
  • Sep 24, 20264.45%first recorded
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
8522 3rd Ave, Brooklyn, NY 11209
2-Year Treasury Indexed CD
$0
4.59% ▲ 1.67% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.67% above avgNationally 2.90%
Details

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

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Certificate of Deposit - 2-year
$1,000
4.55% ▲ 1.63% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.63% above avgNationally 2.90%
Details

Amount: $1,000.00 and up

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

Early withdrawal penalty: 180 days simple interest

Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 4 times
4.03%4.53%5.03%Oct 5, 2026: 4.53% APYOct 5, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
24 Month TD Choice CD
$250
4.30% ▲ 1.38% above New York avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.38% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
24 Month TD Choice CD
$250
4.29% ▲ 1.37% above New York avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.37% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
8010 5th Ave, Brooklyn, NY 11209
24-Month CD
$500
4.25% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
Certificate of Deposit - 2 Years (24 Months)
$250
4.00% ▲ 1.08% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.08% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1750 86th St, Brooklyn, NY 11214
24 Month Certificate
$0
3.70% ▲ 0.78% above New York avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.78% above avgNationally 2.90%
Details

Minimum balance of $500 required to open and earn interest

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
24 Month IRA Certificate
$0
3.60% ▲ 0.68% above New York avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
350 Jay St, Brooklyn, NY 11201
24-Month Certificate
$500
3.56% ▲ 0.64% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 0.64% above avgNationally 2.90%
Details

Early withdrawal penalty: 180 Days Dividends

Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 4 times
3.06%3.56%4.06%Oct 9, 2026: 3.56% APYOct 9, 2026Oct 25, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
350 Jay St, Brooklyn, NY 11201
24-month IRA Share Certificate
$0
3.56% ▲ 0.64% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 0.64% above avgNationally 2.90%
Details

Fixed Rate IRA; APY footnote (*APY)

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 9 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
24 Month CD
$500
3.55% ▲ 0.63% above New York avg
View
▼
Rate3.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Minimum to Open and Earn APY: $500.00

Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
24 Month IRA
$500
3.55% ▲ 0.63% above New York avg
View
▼
Rate3.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 0.63% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40%
2.90%3.47%4.05%Sep 19, 2026: 3.40% APYSep 24, 2026: 3.55% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.55%▲ from 3.40%
  • Sep 19, 20263.40%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
24 Month 360 CD
$0
3.50% ▲ 0.58% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch - 24 Month
$500
3.50% ▲ 0.58% above New York avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
24 Month Certificate of Deposit
$0
3.50% ▲ 0.58% above New York avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 2-year
$1,000
3.50% ▲ 0.58% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Balance: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA 2-Year
$1,000
3.50% ▲ 0.58% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Traditional IRA; Amount: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
24-Month Fixed Rate CD
$0
3.25% ▲ 0.33% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.33% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
24 Month CD
$1,000
3.17% ▲ 0.25% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 0.25% above avgNationally 2.90%
Details

Minimum daily balance to obtain APY: $1,000+

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 9 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
24 Month IRA CD
$1,000
3.17% ▲ 0.25% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 0.25% above avgNationally 2.90%
Details

IRA Certificate of Deposit; Balance: $1,000 and over

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 8 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
Share Certificates - 24 Month SC
$1,000
3.08% ▲ 0.16% above New York avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.16% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5512 8th Ave, Brooklyn, NY 11220
24 Month CD
$500
3.00% ▲ 0.08% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.08% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1545 Flatbush Ave, Brooklyn, NY 11210
2 Year Online CD
$0
3.00% ▲ 0.08% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.08% above avgNationally 2.90%
Details

Interest rate 2.96%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Certificate of Deposit - 24 Month
$1,000
3.00% ▲ 0.08% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 0.08% above avgNationally 2.90%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
IRA CD - 24 Month
$1,000
3.00% ▲ 0.08% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 0.08% above avgNationally 2.90%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
IRA CDs - 2 year
$0
2.78% ▼ 0.14% below New York avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▼ 0.14% below avgNationally 2.90%
Details

Balance: $500-$249,999.99

Rate History
1 change since Sep 9, 2026 · 2.53% → 2.78% ▲ 0.25 pts · high 2.78% / low 2.53%
2.03%2.66%3.28%Sep 9, 2026: 2.53% APYSep 27, 2026: 2.78% APYSep 9, 2026Oct 25, 2026
  • Sep 27, 20262.78%▲ from 2.53%
  • Sep 9, 20262.53%first recorded
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
2 Year CD
$0
2.75% ▼ 0.17% below New York avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▼ 0.17% below avgNationally 2.90%
Details

Balance: $500-$249,999.99

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
2-Year CD
$500
2.75% ▼ 0.17% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▼ 0.17% below avgNationally 2.90%
Details

Personal; Guaranteed rate; FDIC insured; Rates effective as of 09/25/2026; Maximum opening deposit $249,999.99 if opened online, no opening deposit restriction in branch

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 2-Year CD
$500
2.75% ▼ 0.17% below New York avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▼ 0.17% below avgNationally 2.90%
Details

Balance: $500-$249,999.99; Maximum opening deposit $249,999.99 if opened online; Rate fixed for the term at funding

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 2 Year
$500
2.53% ▼ 0.39% below New York avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 0.39% below avgNationally 2.90%
Details

Rate History
No change since Oct 15, 2026 · 2.53% APY · checked 2 times
2.03%2.53%3.03%Oct 15, 2026: 2.53% APYOct 15, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 2-Year
$0
2.50% ▼ 0.42% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 0.42% below avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
In Branch Certificates of Deposit - 2-Year
$1,000
2.50% ▼ 0.42% below New York avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 0.42% below avgNationally 2.90%
Details

In-Branch Only; Minimum to open is $1,000

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Online Certificates of Deposit - 2-Year
$1,000
2.50% ▼ 0.42% below New York avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 0.42% below avgNationally 2.90%
Details

Online Only; Minimum to open $1,000

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
24 Month Bonus Certificate
$50,000
2.38% ▼ 0.54% below New York avg
View
▼
Rate2.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▼ 0.54% below avgNationally 2.90%
Details

Daily Avg. Balance/Min. Deposit $50,000.00; Bonus certificates may be regular or IRA certificates; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.38% APY · checked 9 times
1.88%2.38%2.88%Sep 14, 2026: 2.38% APYSep 14, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
24 Month Regular & IRA Certificates
$0
2.28% ▼ 0.64% below New York avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▼ 0.64% below avgNationally 2.90%
Details

Daily Avg. Balance/Min. Deposit: $500.00

Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 5 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
Regular & IRA Certificates - 24 months
$500
2.28% ▼ 0.64% below New York avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▼ 0.64% below avgNationally 2.90%
Details

Daily Avg. Balance/Min. Deposit $500.00; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 5 times
1.78%2.28%2.78%Sep 14, 2026: 2.28% APYSep 14, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
24 Month Certificates Of Deposit
$0
2.00% ▼ 0.92% below New York avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▼ 0.92% below avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
24 Month Certificates of Deposit for Personal Accounts
$10,000
1.26% ▼ 1.66% below New York avg
View
▼
Rate1.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▼ 1.66% below avgNationally 2.90%
Details

Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity

Rate History
No change since Oct 14, 2026 · 1.26% APY · checked 3 times
0.76%1.26%1.76%Oct 14, 2026: 1.26% APYOct 14, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 2-Year
$0
1.25% ▼ 1.67% below New York avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 1.67% below avgNationally 2.90%
Details

Visit your nearest branch to open an account

Rate History
No change since Oct 22, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 22, 2026: 1.25% APYOct 22, 2026Oct 25, 2026
CTBC Bank Corp
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
5418 8th Ave, Brooklyn, NY 11220
Online Personal CD - 24 Month CD
$5,000
0.50% ▼ 2.42% below New York avg
View
▼
Rate0.50%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▼ 2.42% below avgNationally 2.90%
Details

Fixed-Rate Account; Online application subject to approval; Account subject to early withdrawal penalty; To receive the APY, account must be opened online

Rate History
No change since Oct 20, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 20, 2026: 0.50% APYOct 20, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
24 Month CD
$0
0.50% ▼ 2.42% below New York avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.42% below avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
IRA 24 Month CD
$0
0.50% ▼ 2.42% below New York avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.42% below avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
Private 2 Year CD
$0
0.02% ▼ 2.90% below New York avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.90% below avgNationally 2.90%
Details

Balance: $500+; Private Checking account holders

Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Sep 9, 2026: 0.02% APYSep 9, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
4302 18th Ave, Brooklyn, NY 11218
Personal CD - 2 Year
$0
0.01% ▼ 2.91% below New York avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.91% below avgNationally 2.90%
Details

Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 20, 2026: 0.01% APYOct 20, 2026Oct 25, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
2 Year Youth Share Certificate
$0
5.00% ▲ 2.08% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 2.08% above avgNationally 2.90%
Details

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

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

FDIC insurance: at least $250,000

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

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 25, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Regular IRA And Roth IRA CD
$0
4.75% ▲ 1.83% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.83% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 19, 2026: 4.75% APYOct 19, 2026Oct 25, 2026

Brooklyn 36 Month CD Rates

New York 36 Month CD Average2.73% APYNational 2.81%▼ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2121 Avenue U, Brooklyn, NY 11229
36 Month CD
$0
4.85% ▲ 2.12% above New York avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 2.12% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
4.00%4.68%5.35%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.80% APYOct 14, 2026: 4.85% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.85%▲ from 4.80%
  • Oct 1, 20264.80%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Certificate of Deposit - 3-year
$1,000
4.55% ▲ 1.82% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 1.82% above avgNationally 2.81%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
Certificate of Deposit - 3 Years (36 Months)
$250
4.00% ▲ 1.27% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
350 Jay St, Brooklyn, NY 11201
36 Month Share Certificate
$500
3.82% ▲ 1.09% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.09% above avgNationally 2.81%
Details

Today's Rates card; Minimum Opening Deposit = $500.00; a minimum of $5.00 is required to earn APY; fixed rate; 90 days dividends penalty applies to 6 and 9-month terms, 180 days dividends penalty for 12, 24, and 36-month terms

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
350 Jay St, Brooklyn, NY 11201
36-month IRA Share Certificate
$0
3.82% ▲ 1.09% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.09% above avgNationally 2.81%
Details

Fixed Rate IRA; APY footnote (*APY)

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
36 Month 360 CD
$0
3.50% ▲ 0.77% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.77% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch - 36 Month
$500
3.50% ▲ 0.77% above New York avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.77% above avgNationally 2.81%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 3-year
$1,000
3.50% ▲ 0.77% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 0.77% above avgNationally 2.81%
Details

Balance: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA 3-Year
$1,000
3.50% ▲ 0.77% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 0.77% above avgNationally 2.81%
Details

Traditional IRA; Amount: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
36 Month CD
$500
3.40% ▲ 0.67% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 0.67% above avgNationally 2.81%
Details

Minimum to Open and Earn APY: $500.00

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
36 Month IRA
$500
3.40% ▲ 0.67% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 0.67% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
2.70%3.30%3.90%Sep 19, 2026: 3.20% APYSep 24, 2026: 3.40% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.40%▲ from 3.20%
  • Sep 19, 20263.20%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
3 Year Certificate
$500
3.39% ▲ 0.66% above New York avg
View
▼
Rate3.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.66% above avgNationally 2.81%
Details

Early withdrawal penalty: 180 days simple interest

Rate History
No change since Oct 5, 2026 · 3.39% APY · checked 4 times
2.89%3.39%3.89%Oct 5, 2026: 3.39% APYOct 5, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
36 Months IRA Share Certificate
$0
3.29% ▲ 0.56% above New York avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 10 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
36 Month Certificate of Deposit
$0
3.25% ▲ 0.52% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
36 Month IRA Certificate
$0
3.25% ▲ 0.52% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.52% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
36-Month Certificate of Deposit
$500
3.20% ▲ 0.47% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.47% above avgNationally 2.81%
Details

Earn 3.20% APY on balances of $500 or more; account matures in 36 months; fund with up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
36-Month Fixed Rate CD
$0
3.20% ▲ 0.47% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.47% above avgNationally 2.81%
Details

Featured on page under Grow your savings your way

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 25, 2026
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
Share Certificates - 36 Month SC
$1,000
3.19% ▲ 0.46% above New York avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.19% APY · checked 3 times
2.69%3.19%3.69%Oct 13, 2026: 3.19% APYOct 13, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
36 Month CD
$1,000
3.17% ▲ 0.44% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 0.44% above avgNationally 2.81%
Details

Minimum daily balance to obtain APY: $1,000+

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 9 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
36 Month IRA CD
$1,000
3.17% ▲ 0.44% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 0.44% above avgNationally 2.81%
Details

IRA Certificate of Deposit; Balance: $1,000 and over

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 8 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5512 8th Ave, Brooklyn, NY 11220
36 Month CD
$500
3.00% ▲ 0.27% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.27% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Certificate of Deposit - 36 Month
$1,000
3.00% ▲ 0.27% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 0.27% above avgNationally 2.81%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
IRA CD - 36 Month
$1,000
3.00% ▲ 0.27% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 0.27% above avgNationally 2.81%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
IRA CDs - 3 year
$0
2.99% ▲ 0.26% above New York avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.26% above avgNationally 2.81%
Details

Balance: $500-$249,999.99

Rate History
1 change since Sep 9, 2026 · 2.73% → 2.99% ▲ 0.26 pts · high 2.99% / low 2.73%
2.23%2.86%3.49%Sep 9, 2026: 2.73% APYSep 27, 2026: 2.99% APYSep 9, 2026Oct 25, 2026
  • Sep 27, 20262.99%▲ from 2.73%
  • Sep 9, 20262.73%first recorded
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
3 Year CD
$0
2.95% ▲ 0.22% above New York avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.22% above avgNationally 2.81%
Details

Balance: $500-$249,999.99

Rate History
No change since Sep 27, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 27, 2026: 2.95% APYSep 27, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
3-Year CD
$500
2.95% ▲ 0.22% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.22% above avgNationally 2.81%
Details

Personal; Guaranteed rate; FDIC insured; Rates effective as of 09/25/2026; Maximum opening deposit $249,999.99 if opened online, no opening deposit restriction in branch

Rate History
No change since Sep 27, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 27, 2026: 2.95% APYSep 27, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 3-Year CD
$500
2.95% ▲ 0.22% above New York avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.22% above avgNationally 2.81%
Details

Balance: $500-$249,999.99; Maximum opening deposit $249,999.99 if opened online; FDIC insured; Guaranteed rate; Rates effective as of 09/25/2026

Rate History
No change since Oct 14, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 14, 2026: 2.95% APYOct 14, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1545 Flatbush Ave, Brooklyn, NY 11210
3 Year Online CD
$0
2.75% ▲ 0.02% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.02% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1750 86th St, Brooklyn, NY 11214
36 Month Certificate
$0
2.75% ▲ 0.02% above New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.02% above avgNationally 2.81%
Details

Minimum balance of $500 required to open and earn interest

Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 3-Year
$0
2.50% ▼ 0.23% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 0.23% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Online Certificates of Deposit - 3-Year
$1,000
2.50% ▼ 0.23% below New York avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 0.23% below avgNationally 2.81%
Details

Online Only; Minimum to open $1,000

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
36 Month Bonus Certificate
$50,000
2.38% ▼ 0.35% below New York avg
View
▼
Rate2.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▼ 0.35% below avgNationally 2.81%
Details

Daily Avg. Balance/Min. Deposit $50,000.00; Bonus certificates may be regular or IRA certificates; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.38% APY · checked 9 times
1.88%2.38%2.88%Sep 14, 2026: 2.38% APYSep 14, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
36 Month Regular & IRA Certificates
$0
2.28% ▼ 0.45% below New York avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▼ 0.45% below avgNationally 2.81%
Details

Daily Avg. Balance/Min. Deposit: $500.00

Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 5 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
Regular & IRA Certificates - 36 months
$500
2.28% ▼ 0.45% below New York avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▼ 0.45% below avgNationally 2.81%
Details

Daily Avg. Balance/Min. Deposit $500.00; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.28% APY · checked 5 times
1.78%2.28%2.78%Sep 14, 2026: 2.28% APYSep 14, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 3 Year
$500
2.24% ▼ 0.49% below New York avg
View
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.49% below avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 2 times
1.74%2.24%2.74%Oct 15, 2026: 2.24% APYOct 15, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
3 Year TD Choice CD
$250
2.00% ▼ 0.73% below New York avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 0.73% below avgNationally 2.81%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
36 Month Certificates Of Deposit
$0
2.00% ▼ 0.73% below New York avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▼ 0.73% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
3 Year TD Choice CD
$250
1.99% ▼ 0.74% below New York avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 0.74% below avgNationally 2.81%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 3-Year
$0
1.25% ▼ 1.48% below New York avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 1.48% below avgNationally 2.81%
Details

Visit your nearest branch to open an account

Rate History
No change since Oct 22, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 22, 2026: 1.25% APYOct 22, 2026Oct 25, 2026
The Berkshire Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.36%
1421 Kings Hwy, Brooklyn, NY 11229
36 Month Certificates of Deposit for Personal Accounts
$10,000
1.01% ▼ 1.72% below New York avg
View
▼
Rate1.00%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▼ 1.72% below avgNationally 2.81%
Details

Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity

Rate History
No change since Oct 14, 2026 · 1.01% APY · checked 3 times
0.51%1.01%1.51%Oct 14, 2026: 1.01% APYOct 14, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Access CD - 36 Month
$1,000
0.60% ▼ 2.13% below New York avg
View
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▼ 2.13% below avgNationally 2.81%
Details

Access CD; Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 11, 2026: 0.60% APYSep 11, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
36 Month CD
$0
0.50% ▼ 2.23% below New York avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 2.23% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
IRA 36 Month CD
$0
0.50% ▼ 2.23% below New York avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 2.23% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 36 Month CD
$0
4.90% ▲ 2.17% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details

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

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

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

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

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

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%
3.10%4.45%5.80%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.90% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.90%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Month Certificate of Deposit
$0
4.80% ▲ 2.07% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.07% above avgNationally 2.81%
Details

FDIC insurance: at least $250,000

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

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.52% ▲ 1.79% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.79% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded

Brooklyn 48 Month CD Rates

New York 48 Month CD Average2.61% APYNational 2.81%▼ 0.10% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2121 Avenue U, Brooklyn, NY 11229
48 Month CD
$0
4.95% ▲ 2.34% above New York avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 2.34% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
4.00%4.73%5.45%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.85% APYOct 14, 2026: 4.95% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.95%▲ from 4.85%
  • Oct 1, 20264.85%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Certificate of Deposit - 4-year
$1,000
4.55% ▲ 1.94% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 1.94% above avgNationally 2.81%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
Certificate of Deposit - 4 Years (48 Months)
$250
4.00% ▲ 1.39% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
2365 Nostrand Ave, Brooklyn, NY 11210
Certificate of Deposit - Branch - 48 Month
$500
3.60% ▲ 0.99% above New York avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 0.99% above avgNationally 2.81%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
48 Month 360 CD
$0
3.50% ▲ 0.89% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
2.70%3.90%5.10%Sep 18, 2026: 4.30% APYOct 14, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20263.50%▼ from 4.30%
  • Sep 18, 20264.30%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 4-year
$1,000
3.50% ▲ 0.89% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 0.89% above avgNationally 2.81%
Details

Balance: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA 4-Year
$1,000
3.50% ▲ 0.89% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 0.89% above avgNationally 2.81%
Details

Traditional IRA; Amount: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
4 Year Certificate
$500
3.44% ▲ 0.83% above New York avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.83% above avgNationally 2.81%
Details

Early withdrawal penalty: 365 days simple interest

Rate History
No change since Oct 5, 2026 · 3.44% APY · checked 4 times
2.94%3.44%3.94%Oct 5, 2026: 3.44% APYOct 5, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
48 Month CD
$500
3.40% ▲ 0.79% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 0.79% above avgNationally 2.81%
Details

Minimum to Open and Earn APY: $500.00

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
48 Month IRA
$500
3.40% ▲ 0.79% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 0.79% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
2.70%3.30%3.90%Sep 19, 2026: 3.20% APYSep 24, 2026: 3.40% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.40%▲ from 3.20%
  • Sep 19, 20263.20%first recorded
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
Share Certificates - 48 Month SC
$1,000
3.24% ▲ 0.63% above New York avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.24% APY · checked 3 times
2.74%3.24%3.74%Oct 13, 2026: 3.24% APYOct 13, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
48 Month CD
$1,000
3.17% ▲ 0.56% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 0.56% above avgNationally 2.81%
Details

Minimum daily balance to obtain APY: $1,000+

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 9 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
48 Month IRA CD
$1,000
3.17% ▲ 0.56% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 0.56% above avgNationally 2.81%
Details

IRA Certificate of Deposit; Balance: $1,000 and over

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 8 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6117 18th Ave, Brooklyn, NY 11204
48-Month Certificate of Deposit
$500
3.05% ▲ 0.44% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 0.44% above avgNationally 2.81%
Details

Earn 3.05% APY on balances of $500 or more; account matures in 48 months; fund with up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Certificate of Deposit - 48 Month
$1,000
3.00% ▲ 0.39% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 0.39% above avgNationally 2.81%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
IRA CD - 48 Month
$1,000
3.00% ▲ 0.39% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 0.39% above avgNationally 2.81%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1545 Flatbush Ave, Brooklyn, NY 11210
4 Year Online CD
$0
2.75% ▲ 0.14% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 0.14% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
48 Month IRA Certificate
$0
2.60% ▼ 0.01% below New York avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▼ 0.01% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.60% APY · checked 5 times
2.10%2.60%3.10%Sep 18, 2026: 2.60% APYSep 18, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
48 Month Bonus Certificate
$50,000
2.53% ▼ 0.08% below New York avg
View
▼
Rate2.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▼ 0.08% below avgNationally 2.81%
Details

Daily Avg. Balance/Min. Deposit $50,000.00; Bonus certificates may be regular or IRA certificates; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.53% APY · checked 9 times
2.03%2.53%3.03%Sep 14, 2026: 2.53% APYSep 14, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
48 Month Certificate of Deposit
$0
2.50% ▼ 0.11% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▼ 0.11% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 25, 2026
Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1750 86th St, Brooklyn, NY 11214
48 Month Certificate
$0
2.50% ▼ 0.11% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.11% below avgNationally 2.81%
Details

Minimum balance of $500 required to open and earn interest

Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
48 Month Regular & IRA Certificates
$0
2.43% ▼ 0.18% below New York avg
View
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▼ 0.18% below avgNationally 2.81%
Details

Daily Avg. Balance/Min. Deposit: $500.00

Rate History
No change since Sep 18, 2026 · 2.43% APY · checked 5 times
1.93%2.43%2.93%Sep 18, 2026: 2.43% APYSep 18, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
Regular & IRA Certificates - 48 months
$500
2.43% ▼ 0.18% below New York avg
View
▼
Rate2.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▼ 0.18% below avgNationally 2.81%
Details

Daily Avg. Balance/Min. Deposit $500.00; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.43% APY · checked 5 times
1.93%2.43%2.93%Sep 14, 2026: 2.43% APYSep 14, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 4 Year
$500
2.24% ▼ 0.37% below New York avg
View
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.37% below avgNationally 2.81%
Details

Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 2 times
1.74%2.24%2.74%Oct 15, 2026: 2.24% APYOct 15, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
48 Month Certificates Of Deposit
$0
2.00% ▼ 0.61% below New York avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▼ 0.61% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
4 Year TD Choice CD
$0
1.99% ▼ 0.62% below New York avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 0.62% below avgNationally 2.81%
Details

No Longer for Sale

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
48 Month CD
$0
0.50% ▼ 2.11% below New York avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.11% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
IRA 48 Month CD
$0
0.50% ▼ 2.11% below New York avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.11% below avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Certificate
$100
5.00% ▲ 2.39% above New York avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 2.39% above avgNationally 2.81%
Details

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

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

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

Rate History
1 change since Oct 5, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
3.30%4.58%5.85%Oct 5, 2026: 4.15% APYOct 23, 2026: 5.00% APYOct 5, 2026Oct 25, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Oct 5, 20264.15%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.58% ▲ 1.97% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.97% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

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

Balance: $100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.52% ▲ 1.91% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.91% above avgNationally 2.81%
Details

Balance: $50,000.00

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

Balance: $50,000.00

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

Rates effective as of 10/07/26

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

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

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

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

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

Minimum balance $500; Remarks: Credit Quarterly

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

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

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

Balance: $25,000.00

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

Balance: $25,000.00

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

Minimum $500 Credit; Quarterly Compound Daily

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

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

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

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

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

Early withdrawal penalties may apply

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

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

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

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

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

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

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

Penalty for early withdrawal: 9 Months Dividends

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.20% ▲ 0.17 pts · high 4.20% / low 4.03%
3.53%4.12%4.70%Sep 14, 2026: 4.03% APYOct 15, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.20%▲ from 4.03%
  • Sep 14, 20264.03%first recorded

Brooklyn 60 Month CD Rates

New York 60 Month CD Average2.83% APYNational 2.92%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2121 Avenue U, Brooklyn, NY 11229
60 Month CD
$0
5.00% ▲ 2.17% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 2.17% above avgNationally 2.92%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.95% APYOct 14, 2026: 5.00% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20265.00%▲ from 4.95%
  • Oct 1, 20264.95%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Certificate of Deposit - 5-year
$1,000
4.55% ▲ 1.72% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 1.72% above avgNationally 2.92%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
356 Van Brunt St, Brooklyn, NY 11231
Certificate of Deposit - 5 Years (60 Months)
$250
4.25% ▲ 1.42% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 1.42% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
425 Neptune Ave, Brooklyn, NY 11224 4559
5 Year Certificate
$500
4.22% ▲ 1.39% above New York avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.39% above avgNationally 2.92%
Details

Early withdrawal penalty: 365 days simple interest

Rate History
No change since Oct 5, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Oct 5, 2026: 4.22% APYOct 5, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
5-year online CDs
$0
3.60% ▲ 0.77% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 0.77% above avgNationally 2.92%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
315 Wyckoff Ave, Brooklyn, NY 11237
60 Month 360 CD
$0
3.60% ▲ 0.77% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 0.77% above avgNationally 2.92%
Details

5-year online CD

Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 14, 2026: 3.60% APYOct 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Roth IRA - 5-year
$1,000
3.50% ▲ 0.67% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 0.67% above avgNationally 2.92%
Details

Balance: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
7719 18th Avenue, Brooklyn, NY 11214
Traditional IRA 5-Year
$1,000
3.50% ▲ 0.67% above New York avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 0.67% above avgNationally 2.92%
Details

Traditional IRA; Amount: $1,000.00 and up

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
60 Month CD
$500
3.40% ▲ 0.57% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 0.57% above avgNationally 2.92%
Details

Minimum to Open and Earn APY: $500.00

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 25, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
731 Metropolitan Ave, Brooklyn, NY 11211
60 Month IRA
$500
3.40% ▲ 0.57% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 0.57% above avgNationally 2.92%
Details

Rate History
1 change since Sep 19, 2026 · 3.10% → 3.40% ▲ 0.30 pts · high 3.40% / low 3.10%
2.60%3.25%3.90%Sep 19, 2026: 3.10% APYSep 24, 2026: 3.40% APYSep 19, 2026Oct 25, 2026
  • Sep 24, 20263.40%▲ from 3.10%
  • Sep 19, 20263.10%first recorded
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.02%
1678 E 17th St, Brooklyn, NY 11229
Share Certificates - 60 Month SC
$1,000
3.29% ▲ 0.46% above New York avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.46% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 3.29% APY · checked 3 times
2.79%3.29%3.79%Oct 13, 2026: 3.29% APYOct 13, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
60 Month CD
$1,000
3.17% ▲ 0.34% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 0.34% above avgNationally 2.92%
Details

Minimum daily balance to obtain APY: $1,000+

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 9 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Carver Federal Savings Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.52%
1392 Fulton St, Brooklyn, NY 11216
60 Month IRA CD
$1,000
3.17% ▲ 0.34% above New York avg
View
▼
Rate3.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 0.34% above avgNationally 2.92%
Details

IRA Certificate of Deposit; Balance: $1,000 and over

Rate History
No change since Sep 14, 2026 · 3.17% APY · checked 8 times
2.67%3.17%3.67%Sep 14, 2026: 3.17% APYSep 14, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5512 8th Ave, Brooklyn, NY 11220
60 Month CD
$500
3.00% ▲ 0.17% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 0.17% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
Certificate of Deposit - 60 Month
$1,000
3.00% ▲ 0.17% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 0.17% above avgNationally 2.92%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 25, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
8701 3rd Ave, Brooklyn, NY 11209
IRA CD - 60 Month
$1,000
3.00% ▲ 0.17% above New York avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 0.17% above avgNationally 2.92%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
24 Hillel Pl, Brooklyn, NY 11210
60 Month Certificates Of Deposit
$0
3.00% ▲ 0.17% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 0.17% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
5 Year CD
$0
2.95% ▲ 0.12% above New York avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 0.12% above avgNationally 2.92%
Details

Balance: $500-$249,999.99

Rate History
No change since Sep 27, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 27, 2026: 2.95% APYSep 27, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
5-Year CD
$500
2.95% ▲ 0.12% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 0.12% above avgNationally 2.92%
Details

Personal; Guaranteed rate; FDIC insured; Rates effective as of 09/25/2026; Maximum opening deposit $249,999.99 if opened online, no opening deposit restriction in branch

Rate History
No change since Sep 27, 2026 · 2.95% APY · checked 6 times
2.45%2.95%3.45%Sep 27, 2026: 2.95% APYSep 27, 2026Oct 25, 2026
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
1212 Fulton St, Brooklyn, NY 11216
Personal 5-Year CD
$500
2.95% ▲ 0.12% above New York avg
View
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 0.12% above avgNationally 2.92%
Details

Balance: $500-$249,999.99; Maximum opening deposit $249,999.99 if opened online; Guaranteed rate; Rate fixed for the term at funding; Rates effective as of 09/25/2026

Rate History
No change since Oct 14, 2026 · 2.95% APY · checked 2 times
2.45%2.95%3.45%Oct 14, 2026: 2.95% APYOct 14, 2026Oct 25, 2026
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
67 Hanson Pl, Brooklyn, NY 11217 1549
Share Certificate - 5 Year
$500
2.87% ▲ 0.04% above New York avg
View
▼
Rate2.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.04% above avgNationally 2.92%
Details

Rate History
No change since Oct 15, 2026 · 2.87% APY · checked 2 times
2.37%2.87%3.37%Oct 15, 2026: 2.87% APYOct 15, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
60 Month Bonus Certificate
$50,000
2.79% ▼ 0.04% below New York avg
View
▼
Rate2.75%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▼ 0.04% below avgNationally 2.92%
Details

Daily Avg. Balance/Min. Deposit $50,000.00; Bonus certificates may be regular or IRA certificates; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.79% APY · checked 9 times
2.29%2.79%3.29%Sep 14, 2026: 2.79% APYSep 14, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1545 Flatbush Ave, Brooklyn, NY 11210
5 Year Online CD
$0
2.75% ▼ 0.08% below New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 0.08% below avgNationally 2.92%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1545 Flatbush Ave, Brooklyn, NY 11210
Online CD - 5 Year
$0
2.75% ▼ 0.08% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 0.08% below avgNationally 2.92%
Details

Online CD; Open online; APY accurate as of 07/28/2026

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
60 Month Regular & IRA Certificates
$0
2.69% ▼ 0.14% below New York avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▼ 0.14% below avgNationally 2.92%
Details

Daily Avg. Balance/Min. Deposit: $500.00

Rate History
No change since Sep 18, 2026 · 2.69% APY · checked 5 times
2.19%2.69%3.19%Sep 18, 2026: 2.69% APYSep 18, 2026Oct 25, 2026
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
800 Poly Pl Rm 1110, Brooklyn, NY 11209 7104
Regular & IRA Certificates - 60 months
$500
2.69% ▼ 0.14% below New York avg
View
▼
Rate2.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▼ 0.14% below avgNationally 2.92%
Details

Daily Avg. Balance/Min. Deposit $500.00; Certificate penalties may apply for early withdrawals

Rate History
No change since Sep 14, 2026 · 2.69% APY · checked 5 times
2.19%2.69%3.19%Sep 14, 2026: 2.69% APYSep 14, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
60 Month Certificate of Deposit
$0
2.50% ▼ 0.33% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.49%
2047 86th St, Brooklyn, NY 11214
60 Month IRA Certificate
$0
2.50% ▼ 0.33% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
60 Month CD
$0
2.50% ▼ 0.33% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
8424 5th Ave, Brooklyn, NY 11209
IRA 60 Month CD
$0
2.50% ▼ 0.33% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 5-Year
$0
2.50% ▼ 0.33% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
In Branch Certificates of Deposit - 5-Year
$1,000
2.50% ▼ 0.33% below New York avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details

In-Branch Only; Minimum to open is $1,000

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Online Certificates of Deposit - 5-Year
$1,000
2.50% ▼ 0.33% below New York avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details

Online Only; Minimum to open $1,000

Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Island Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1750 86th St, Brooklyn, NY 11214
60 Month Certificate
$0
2.50% ▼ 0.33% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details

Minimum balance of $500 required to open and earn interest

Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
5 Year TD Choice CD
$250
2.00% ▼ 0.83% below New York avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.83% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2700 Coney Island Ave, Brooklyn, NY 11235
5 Year TD Choice CD
$250
1.99% ▼ 0.84% below New York avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.84% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
1212 Avenue M, Brooklyn, NY 11230
Certificate of Deposit - 5-Year
$0
1.25% ▼ 1.58% below New York avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 1.58% below avgNationally 2.92%
Details

Visit your nearest branch to open an account

Rate History
No change since Oct 22, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 22, 2026: 1.25% APYOct 22, 2026Oct 25, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Regular IRA And Roth IRA CD
$0
5.25% ▲ 2.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 2.42% above avgNationally 2.92%
Details

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

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

Rate History
1 change since Oct 13, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
3.30%4.58%5.85%Oct 13, 2026: 4.15% APYOct 23, 2026: 5.00% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Oct 13, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Month Term Certificate
$100
4.89% ▲ 2.06% above New York avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 2.06% above avgNationally 2.92%
Details

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

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

FDIC insurance: at least $250,000

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

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

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

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

Balance: $100,000.00 and over

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

Balance: $100,000.00 and over

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

Balance: $50,000.00

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

Balance: $50,000.00

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.42% ▲ 1.59% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.59% above avgNationally 2.92%
Details

Balance: $25,000.00

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

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
3.56%4.24%4.92%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.42% APYSep 8, 2026Oct 25, 2026
  • Oct 20, 20264.42%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Brooklyn, New York Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Popular Direct
60 Month CD
A+ 5.0 ★ TX: 2.12%
Min: $0
5.00%
Ridgewood Savings Bank
2-Year Treasury Indexed CD
A 5.0 ★ TX: 9.37%
Min: $0
4.59%
Global Bank
Certificate of Deposit - 2-year
D 3.4 ★ TX: 33.77%
Min: $1,000
4.55%
Cross County Savings Bank
18 Month Variable Rate IRA
A 5.0 ★ TX: 12.84%
Min: $100
4.46%
Spring Bank Bronx, NY
Certificate of Deposit - 1 1/2 Years (18 Months)
A+ 5.0 ★ TX: 3.06%
Min: $250
4.40%
CU Top 5 Credit Union Rates
Consumers Federal Credit Union
1 Year Certificate
A+ 5.0 ★ TX: 0.55%
Min: $500
4.58%
Municipal Credit Union
12-Month Certificate New Money Bonus Rate
A 5.0 ★ TX: 8.74%
Min: $5,000
4.07%
Peoples Alliance Federal Credit Union
Share Certificate - 6 Months
A+ 5.0 ★ TX: 3.34%
Min: $500
3.76%
Island Federal Credit Union
24 Month Certificate
A 5.0 ★ TX: 7.07%
Min: $0
3.70%
Ukrainian National Federal Credit Union
12 Months IRA Share Certificate
A 5.0 ★ TX: 12.02%
Min: $0
3.55%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Brooklyn, NY CD Rate Trends

Compare local Brooklyn, NY CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

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

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

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

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

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

NY CD Rate Forecast, Next 12 Months

Where are New York CD rates headed through October 2027?

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

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

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

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

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

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

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What Your Savings Earn at NY CD Rates Today

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

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

$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.

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

Ladder example uses equal $5,000 rungs and New York average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

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2,509
CD Rates
Tracked in Brooklyn, New York
62 Banks 85 Credit Unions

About Our Brooklyn, New York CD Rate Database

MonitorBankRates tracks 2,509 CD rates from 62 banks and 85 credit unions with locations in Brooklyn, New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Popular Direct offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Brooklyn, New York.

How to Find the Best CD Rates in Brooklyn, New York

What to compare when shopping for a CD in Brooklyn, New York

To find the best APYs in Brooklyn, New York, start with credit unions and online-only banks: Brooklyn, New York has 85 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 Brooklyn, 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 Brooklyn, New York: 147 institutions here report CD rates

Consider an Alternative If…

New York Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$50,891
National avg: $47,340
Poverty Rate
14.0%
National avg: 11.1%
Unemployment Rate
6.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$155/yr
At NY 12-mo avg 3.048% APY

17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 3.048%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $155 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Brooklyn, New York

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Brooklyn, New York

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Brooklyn, New York typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Brooklyn, New York as everywhere in the U.S.

Choosing a CD Term in Brooklyn, New York

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Brooklyn, New York savers easier access to their funds. For example, Popular Direct is offering its 6 Month CD at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Popular Direct is offering its 60 Month CD at 5.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Brooklyn, New York Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Brooklyn, New York saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Brooklyn, New York

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Brooklyn, New York CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Brooklyn, New York

Most CDs carry a fixed rate that is locked for the entire term, protecting a Brooklyn, New York depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Brooklyn, New York

Are CD rates in Brooklyn, New York FDIC insured?

Yes, most established banks in Brooklyn, 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, 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 Brooklyn, New York?

Here are recent top rates found for this area:
  • Popular Direct: 5.00% APY (60 Month CD)
  • Ridgewood Savings Bank: 4.59% APY (2-Year Treasury Indexed CD)
  • Consumers Federal Credit Union: 4.58% APY (1 Year Certificate)
  • Global Bank: 4.55% APY (Certificate of Deposit - 2-year)
  • Cross County Savings Bank: 4.46% APY (18 Month Variable Rate IRA)
  • Spring Bank Bronx, NY : 4.40% APY (Certificate of Deposit - 1 1/2 Years (18 Months))
  • TD Bank: 4.30% APY (24 Month TD Choice CD)
  • MyBankingDirect.com: 4.30% APY (12-Month CD)
  • Flagstar Bank, National Association: 4.30% APY (12-Month Business CD)
  • Empire State Bank: 4.25% APY (Certificate of Deposit - 12 Month)
Rates reflect recent verified offers available in Brooklyn, New York. Last Updated: October 23, 2026

Brooklyn, New York CD Calculator

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

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Brooklyn, New York CD Rates by Term

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

CD Calculators for Brooklyn, New York

Brooklyn, New York CD Calculator

At today’s NY top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Brooklyn, New York CD Ladder

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

Early Withdrawal Penalty

Before locking into a Brooklyn, New York CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

New York’s average 12-month CD is 3.048% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Brooklyn, New York CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Brooklyn, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Brooklyn, New York. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

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