Evans Mills, New York Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Evans Mills, New York CD rates include Northern Credit UnionNorthern Credit Union26424 Johnson Road, Evans Mills, NY 13637A5.0 ★Texas Ratio: 6.51%Real return: +0.60%APY minus CPI (February 2026) offering 6 Months at 3.40% APY, Italo American Credit UnionItalo American Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +2.45%APY minus CPI (February 2026) offering 5 years at 5.25% APY, Habib American HAB BankHabib American HAB BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.70%APY minus CPI (February 2026) offering 12 Months at 4.50% APY, Morgan Stanley E-TradeMorgan Stanley E-TradeA+5.0 ★Texas Ratio: 1.34%Real return: +1.55%APY minus CPI (February 2026) offering 36 Months at 4.35% APY, and Quorum Federal Credit UnionQuorum Federal Credit UnionA5.0 ★Texas Ratio: 11.63%Real return: +1.55%APY minus CPI (February 2026) offering 12-Month Certificate at 4.35% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Evans Mills has 14 local institutions in our database, with CD rates as high as 3.40% APY from Northern Credit Union at 26424 Johnson Road, Evans Mills, NY 13637. 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 — 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: August 28, 2026
Compare Best CD Rates in Evans Mills, New York & the Surrounding Area
Evans Mills 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
3 Months
$0
0.90%
▼ 0.56% below New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▼ 0.56% below avgNationally 1.96%
Details
Better**
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
3 Months
$0
0.40%
▼ 1.06% below New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▼ 1.06% below avgNationally 1.96%
Details
Basic*
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Months
$0
4.50%
▲ 3.04% above New York avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 3.04% above avgNationally 1.96%
Details
Preferred Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.37%
3-Month CD
$0
3.80%
▲ 2.34% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.34% above avgNationally 1.96%
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3 months up to 6
$10,000
3.80%
▲ 2.34% above New York avg
▼
Rate3.75%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.34% above avgNationally 1.96%
Details
Apply Online
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
3 Month
$0
3.75%
▲ 2.29% above New York avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.29% above avgNationally 1.96%
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
3 month
$0
3.75%
▲ 2.29% above New York avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.29% above avgNationally 1.96%
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 2.29% above New York avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.29% above avgNationally 1.96%
Details
(Fixed Rate)
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA Certificates of Deposit - 3 Month
$0
3.70%
▲ 2.24% above New York avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.24% above avgNationally 1.96%
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month CD
$500
3.55%
▲ 2.09% above New York avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.09% above avgNationally 1.96%
Details
Account matures in 3 months.
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3-Month CD Special
$0
3.55%
▲ 2.09% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.09% above avgNationally 1.96%
Details
Compounded: Simple
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
3 Month
$0
3.55%
▲ 2.09% above New York avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.09% above avgNationally 1.96%
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
3 Month CD
$0
3.50%
▲ 2.04% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.04% above avgNationally 1.96%
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD - 3 Month
$0
3.50%
▲ 2.04% above New York avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.04% above avgNationally 1.96%
Details
Star Relationship CD
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
3 Months CD
$0
3.50%
▲ 2.04% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 2.04% above avgNationally 1.96%
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
3 Month CD
$500
3.40%
▲ 1.94% above New York avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.94% above avgNationally 1.96%
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
3 month to 5 month
$0
3.30%
▲ 1.84% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.84% above avgNationally 1.96%
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Month Share Certificate
$1,000
3.26%
▲ 1.80% above New York avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.80% above avgNationally 1.96%
Details
Penalty for early withdrawal: 3 Months Dividends
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
90 Day
$250
3.25%
▲ 1.79% above New York avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.79% above avgNationally 1.96%
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
90 Days
$0
3.25%
▲ 1.79% above New York avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.79% above avgNationally 1.96%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
3 Month Plus
$0
3.25%
▲ 1.79% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.79% above avgNationally 1.96%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
3 Month Plus
$0
3.10%
▲ 1.64% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.64% above avgNationally 1.96%
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Month
$0
3.00%
▲ 1.54% above New York avg
▼
Rate2.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.54% above avgNationally 1.96%
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Months
$0
3.00%
▲ 1.54% above New York avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.54% above avgNationally 1.96%
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Business 3 Months
$0
3.00%
▲ 1.54% above New York avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.54% above avgNationally 1.96%
Details
In-Branch
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
3 Month Plus
$0
3.00%
▲ 1.54% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.54% above avgNationally 1.96%
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
3 Month
$500
3.00%
▲ 1.54% above New York avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.54% above avgNationally 1.96%
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
3 months
$0
2.78%
▲ 1.32% above New York avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.32% above avgNationally 1.96%
Details
(90 to 179 days)
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3 months
$500
2.78%
▲ 1.32% above New York avg
▼
Rate2.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.32% above avgNationally 1.96%
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
3-month
$100
2.78%
▲ 1.32% above New York avg
▼
Rate2.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.32% above avgNationally 1.96%
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
3-Month CD
$1,000
2.75%
▲ 1.29% above New York avg
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.29% above avgNationally 1.96%
Details
Visit your nearest branch to open an account
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
3-month
$0
2.75%
▲ 1.29% above New York avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 1.29% above avgNationally 1.96%
Details
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
3-Month
$0
2.45%
▲ 0.99% above New York avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.99% above avgNationally 1.96%
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
3 Month Certificate
$0
2.27%
▲ 0.81% above New York avg
▼
Rate2.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.81% above avgNationally 1.96%
Details
Early Withdrawal Penalty: 1 month interest
The Berkshire Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Month CD
$10,000
2.02%
▲ 0.56% above New York avg
▼
Rate2.00%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.56% above avgNationally 1.96%
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
3 Months
$0
2.02%
▲ 0.56% above New York avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.56% above avgNationally 1.96%
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
3 Month CD
$500
1.90%
▲ 0.44% above New York avg
▼
Rate1.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.44% above avgNationally 1.96%
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
3 Month IRA
$500
1.90%
▲ 0.44% above New York avg
▼
Rate1.88%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.44% above avgNationally 1.96%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
3-Month Term/IRA Term
$0
1.75%
▲ 0.29% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.29% above avgNationally 1.96%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
Single - 3 MONTH TERM ACCOUNT
$0
1.75%
▲ 0.29% above New York avg
▼
Rate1.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.29% above avgNationally 1.96%
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Month Relationship
$1,000
1.74%
▲ 0.28% above New York avg
▼
Rate1.73%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.28% above avgNationally 1.96%
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
3 Month
$0
1.70%
▲ 0.24% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.24% above avgNationally 1.96%
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
3 Month
$0
1.65%
▲ 0.19% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.19% above avgNationally 1.96%
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Months
$1,000
1.64%
▲ 0.18% above New York avg
▼
Rate1.63%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.18% above avgNationally 1.96%
Details
New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
3 Month
$0
1.55%
▲ 0.09% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.09% above avgNationally 1.96%
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Month Relationship
$1,000
1.50%
▲ 0.04% above New York avg
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.04% above avgNationally 1.96%
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Month CD
$500
1.50%
▲ 0.04% above New York avg
▼
Rate1.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.04% above avgNationally 1.96%
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
3 Month Certificate
$0
1.50%
▲ 0.04% above New York avg
▼
Rate1.49%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.04% above avgNationally 1.96%
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 34.49%
3 Month
$0
1.50%
▲ 0.04% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▲ 0.04% above avgNationally 1.96%
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
3 Month Relationship
$1,000
1.25%
▼ 0.21% below New York avg
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.46%▼ 0.21% below avgNationally 1.96%
Details
Evans Mills 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
6 Months
$0
3.40%
▲ 1.47% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.47% above avgNationally 2.67%
Details
Better**
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
6 Months
$0
2.90%
▲ 0.97% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 0.97% above avgNationally 2.67%
Details
Basic*
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Months
$0
4.50%
▲ 2.57% above New York avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.57% above avgNationally 2.67%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
6 MONTH TERM ACCOUNT
$0
4.30%
▲ 2.37% above New York avg
▼
Rate4.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.37% above avgNationally 2.67%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
6-Month Certificate
$100
4.30%
▲ 2.37% above New York avg
▼
Rate4.22%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.37% above avgNationally 2.67%
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
6 Month Certificate
$500
4.25%
▲ 2.32% above New York avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.32% above avgNationally 2.67%
Details
Early withdrawal penalties apply. Fees may reduce earnings. Additional deposits are not allowed. Certificate will automatically renew at the time of maturity. Sunmark will provide 30 days notice prior to the maturity date. If you do not contact Sunmark on or before the maturity date, the account will renew for the term stated, at the rate current at the time of renewal. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Rate is accurate as of August 3, 2026. Speak with a Sunmark representative for current rate information as well as applicable fees and terms. Rates subject to change.
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
6 Month CD and IRA
$0
4.15%
▲ 2.22% above New York avg
▼
Rate4.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.22% above avgNationally 2.67%
Details
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Months
$0
4.05%
▲ 2.12% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.12% above avgNationally 2.67%
Details
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Special 6-Month Fixed Rate
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
1
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
Special 6-Month Fixed Rate CD
$10,000
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
New money deposits required. Special 6-Month Fixed Rate will be fixed for a term of 6-months only. The CD will automatically renew at the then-prevailing published 6-month standard rate and APY at the time of renewal and every renewal period thereafter. Offer Eligibility Requirements: Client must request the Special 6-Month Fixed Rate at account opening. Available only on a new City National Bank Personal CD or City National Bank Business CD. New money is defined as incoming deposits from RBC Rochdale, RBC Securities, or from another financial institution (e.g. via ATM, check, wire transfer, ACH or Zelle), deposited to City National Bank deposit accounts owned by the same client opening the CD, within the previous 30 calendar days prior to CD account opening. Incoming deposits can only be used once for the rate offer and cannot subsequently be counted towards the new money of another Special 6-Month Fixed Rate CD. Offer is available to new and existing personal and business clients only. Large Corporate clients and public fund accounts are not eligible for this Special 6-Month Fixed Rate.
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
6 months up to 1 year
$1,000
4.00%
▲ 2.07% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Apply Online
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Month Certificate of Deposit Special
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.29%
6 Month Term
$1,000
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates 6 Months
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
6-month TSC
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6 Months
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Business 6 Month
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
minimum balance to earn dividends
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
6 Month
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
6 Month Certificate
$500
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. Penalty may apply for early withdrawals from Certificates.
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
6 Month IRA Certificate
$500
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Offers may be for limited time only. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate. $500 minimum balance to open a new Certificate. Penalty may apply for early withdrawals from Certificates.
Ocean Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.81%
6 Month Youth Certificate
$100
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Rates effective as of 3/02/2026. Rates and terms are subject to change without notice. Fees could reduce the earnings on the account. $5 minimum deposit required for Share Account prior to opening a Certificate, $100 minimum deposit required to open Certificate. Penalty may apply for early withdrawals from Certificates.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
6 Month
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 months
$0
4.00%
▲ 2.07% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Regular IRA And Roth IRA
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate
$0
4.00%
▲ 2.07% above New York avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 2.07% above avgNationally 2.67%
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
6 Month Certificate
$0
3.92%
▲ 1.99% above New York avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.99% above avgNationally 2.67%
Details
Early Withdrawal Penalty: 1 month interest
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
6-Month Share Certificate
$1,000
3.87%
▲ 1.94% above New York avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.94% above avgNationally 2.67%
Details
Penalty for early withdrawal: 3 Months Dividends
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6 Month CD
$5,000
3.85%
▲ 1.92% above New York avg
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.92% above avgNationally 2.67%
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/9/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for a 6-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. IRA eligible. Additional restrictions may apply.
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
6 Month Pick Your Term
$5,000
3.85%
▲ 1.92% above New York avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.92% above avgNationally 2.67%
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 6 months
$1,000
3.80%
▲ 1.87% above New York avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.87% above avgNationally 2.67%
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6 Months
$0
3.80%
▲ 1.87% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.87% above avgNationally 2.67%
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6 Months
$1,000
3.76%
▲ 1.83% above New York avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.83% above avgNationally 2.67%
Details
New money only. Offer available for a limited time. Membership eligibility required. Other terms and restrictions may apply.
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
6-Month CD
$1,000
3.75%
▲ 1.82% above New York avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.82% above avgNationally 2.67%
Details
Promotional Rates
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
6 Months
$0
3.75%
▲ 1.82% above New York avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.82% above avgNationally 2.67%
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit - 6 Month Certificate
$500
3.75%
▲ 1.82% above New York avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.82% above avgNationally 2.67%
Details
(Fixed Rate)
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
6 months
$0
3.75%
▲ 1.82% above New York avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.82% above avgNationally 2.67%
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
6 Months Certificate
$0
3.75%
▲ 1.82% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.82% above avgNationally 2.67%
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
6 Month
$0
3.75%
▲ 1.82% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.82% above avgNationally 2.67%
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
HSA Certificates 6 months
$0
3.75%
▲ 1.82% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.82% above avgNationally 2.67%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
6 Month Plus
$0
3.75%
▲ 1.82% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.82% above avgNationally 2.67%
Details
Spencerport Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
6 Month Certificate
$500
3.71%
▲ 1.78% above New York avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.78% above avgNationally 2.67%
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6 Month CD Special with Active Account
$1,000
3.70%
▲ 1.77% above New York avg
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.77% above avgNationally 2.67%
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA Certificates of Deposit - 6 Month
$0
3.70%
▲ 1.77% above New York avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.77% above avgNationally 2.67%
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6 Months
$0
3.70%
▲ 1.77% above New York avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.77% above avgNationally 2.67%
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
180 Day (6 months)
$250
3.67%
▲ 1.74% above New York avg
▼
Rate3.60%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.74% above avgNationally 2.67%
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
6 Month CD
$500
3.65%
▲ 1.72% above New York avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.72% above avgNationally 2.67%
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
6 Month
$0
3.65%
▲ 1.72% above New York avg
▼
Rate3.58%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.72% above avgNationally 2.67%
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
6 Months
$0
3.65%
▲ 1.72% above New York avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.72% above avgNationally 2.67%
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
CASHBACK 6 MONTH CERTIFICATE
$0
3.65%
▲ 1.72% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.72% above avgNationally 2.67%
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
6 month
$0
3.61%
▲ 1.68% above New York avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.68% above avgNationally 2.67%
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
6-MONTH
$0
3.61%
▲ 1.68% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.93%▲ 1.68% above avgNationally 2.67%
Details
FEATURED SHARE CERTIFICATE
Evans Mills 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
12 Months
$0
3.35%
▲ 1.20% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.20% above avgNationally 2.83%
Details
Best***
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
12 Months
$0
2.75%
▲ 0.60% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 0.60% above avgNationally 2.83%
Details
Better**
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
12 Months
$0
2.25%
▲ 0.10% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 0.10% above avgNationally 2.83%
Details
Basic*
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months
$0
4.50%
▲ 2.35% above New York avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 2.35% above avgNationally 2.83%
Details
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 year
$0
4.50%
▲ 2.35% above New York avg
▼
Rate4.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 2.35% above avgNationally 2.83%
Details
Regular IRA And Roth IRA
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
12-Month Certificate
$100
4.35%
▲ 2.20% above New York avg
▼
Rate4.27%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 2.20% above avgNationally 2.83%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
Single - 12 MONTH TERM ACCOUNT
$0
4.35%
▲ 2.20% above New York avg
▼
Rate4.27%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 2.20% above avgNationally 2.83%
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Months
$0
4.25%
▲ 2.10% above New York avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 2.10% above avgNationally 2.83%
Details
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.83%
Share/IRA Certificate Special - 12 months
$2,500
4.25%
▲ 2.10% above New York avg
▼
Rate4.18%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 2.10% above avgNationally 2.83%
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit - 12 Month Certificate
$500
4.15%
▲ 2.00% above New York avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 2.00% above avgNationally 2.83%
Details
(Fixed Rate)
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
12 Month CD
$0
4.10%
▲ 1.95% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.95% above avgNationally 2.83%
Details
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Youth 12 Months
$0
4.10%
▲ 1.95% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.95% above avgNationally 2.83%
Details
Utica District Telephone Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
12 Months
$1,000
4.06%
▲ 1.91% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.91% above avgNationally 2.83%
Details
Compounded/Credited: Quarterly/Quarterly
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
1 Year IRA Certificate
$0
4.06%
▲ 1.91% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.91% above avgNationally 2.83%
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
12 Months
$0
4.05%
▲ 1.90% above New York avg
▼
Rate3.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.90% above avgNationally 2.83%
Details
2
Seneca Savings
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
6-12 Month Certificate of Deposit
$25,000
4.00%
▲ 1.85% above New York avg
▼
Rate—
Min Deposit$25,000
Min Balance—
Verified and UpdatedAug 27, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
New money required. Early withdrawal penalties may apply. Rate is effective 6/1/2026. APY = Annual Percentage Yield. Minimum deposit requirement $25000 to open CD. $25000 minimum balance required to earn the APY. Must be a new CD funded with new money of at least $25000 to qualify. APY effective for new CDs opened. Rates may change at any time. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Effective 6/1/2026.
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1 year up to 2
$1,000
4.00%
▲ 1.85% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Pension CDs (Includes IRA, SEP 401K, ESOP) 1 year up to 2
$1,000
4.00%
▲ 1.85% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
12 month
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Millennium Club Account - 1 Year Term
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Minimum to open and obtain APY is $1,000 contract amount (Fixed Rate)
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
12 Months
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates 12 Months
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1-year IRA TSC
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1-year Roth Conversion IRA TSC
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1-year Roth IRA TSC
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1-year TSC
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
12 Months Certificate
$0
4.00%
▲ 1.85% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
12 Month IRA Term Share Certificate
$0
4.00%
▲ 1.85% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.83%
Share/IRA Certificate Special - 12 months
$500
4.00%
▲ 1.85% above New York avg
▼
Rate3.94%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
12 Month IRA
$500
4.00%
▲ 1.85% above New York avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.85% above avgNationally 2.83%
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Months
$0
3.96%
▲ 1.81% above New York avg
▼
Rate3.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.81% above avgNationally 2.83%
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CD 12 months
$1,000
3.95%
▲ 1.80% above New York avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.80% above avgNationally 2.83%
Details
Exclusively for Premier clients. New Money is determined at HSBC's discretion.
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
12-Month CD
$1,000
3.95%
▲ 1.80% above New York avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.80% above avgNationally 2.83%
Details
Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes interest earned remains on deposit until maturity. Early withdrawal penalty may apply if you withdraw any principal from the CD before the maturity date. Account fees could reduce earnings. Additional terms and conditions apply. Please refer to our Deposit Account Agreement and applicable Schedule of Fees for additional information. Offer cannot be combined with any other promotional rate, bonus rate or special rate offer. BankUnited reserves the right to cancel or modify this offer at any time. Rates are subject to change at any time and are not guaranteed until the CD is open. Please contact a BankUnited representative for additional details. CD will automatically renew at maturity into a standard CD closest in term to the initial term (which may be shorter or longer than the initial term) at the then current standard rate in effect at the time of renewal unless you instruct us otherwise.
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month (IRA Certificate)
$0
3.91%
▲ 1.76% above New York avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.76% above avgNationally 2.83%
Details
IRA Certificate
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
12 Month CD and IRA
$0
3.90%
▲ 1.75% above New York avg
▼
Rate3.77%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.75% above avgNationally 2.83%
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100,000
3.90%
▲ 1.75% above New York avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.75% above avgNationally 2.83%
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
12 Month Certificate
$0
3.87%
▲ 1.72% above New York avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.72% above avgNationally 2.83%
Details
Early Withdrawal Penalty: 3 month interest
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
1-Year Share Certificate
$1,000
3.87%
▲ 1.72% above New York avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.72% above avgNationally 2.83%
Details
Penalty for early withdrawal: 3 Months Dividends
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
12 Month Pick Your Term
$5,000
3.85%
▲ 1.70% above New York avg
▼
Rate3.80%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.70% above avgNationally 2.83%
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
12 Month CD Special with Active Account
$1,000
3.85%
▲ 1.70% above New York avg
▼
Rate3.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.70% above avgNationally 2.83%
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month
$0
3.81%
▲ 1.66% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.66% above avgNationally 2.83%
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
1 Year
$0
3.77%
▲ 1.62% above New York avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.62% above avgNationally 2.83%
Details
Credit at Maturity
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
1 Year Certificate
$500
3.77%
▲ 1.62% above New York avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.62% above avgNationally 2.83%
Details
Credit Quarterly Compound Daily
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
12 Months
$0
3.75%
▲ 1.60% above New York avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.60% above avgNationally 2.83%
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
12 Month CD Special with Active Account
$1,000
3.75%
▲ 1.60% above New York avg
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.60% above avgNationally 2.83%
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
1 Year (12 months)
$250
3.75%
▲ 1.60% above New York avg
▼
Rate3.68%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.60% above avgNationally 2.83%
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
12-Month Jumbo Promo Certificate
$100
3.75%
▲ 1.60% above New York avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.60% above avgNationally 2.83%
Details
Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
12 Month
$0
3.75%
▲ 1.60% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.60% above avgNationally 2.83%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
12 Month Plus
$0
3.75%
▲ 1.60% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.60% above avgNationally 2.83%
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
12 Month Add-on
$100
3.75%
▲ 1.60% above New York avg
▼
Rate3.68%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.15%▲ 1.60% above avgNationally 2.83%
Details
Evans Mills 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
18 Months
$0
2.00%
▼ 0.43% below New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▼ 0.43% below avgNationally 2.67%
Details
Best***
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
18 Months
$0
1.40%
▼ 1.03% below New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▼ 1.03% below avgNationally 2.67%
Details
Better**
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
18 Months
$0
0.90%
▼ 1.53% below New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▼ 1.53% below avgNationally 2.67%
Details
Basic*
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Months
$0
4.25%
▲ 1.82% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.82% above avgNationally 2.67%
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
18 Month CD Special with Active Account
$1,000
4.15%
▲ 1.72% above New York avg
▼
Rate4.07%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.72% above avgNationally 2.67%
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Months
$0
4.15%
▲ 1.72% above New York avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.72% above avgNationally 2.67%
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
18 Month Variable Rate IRA
$100
4.08%
▲ 1.65% above New York avg
▼
Rate3.99%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.65% above avgNationally 2.67%
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
18 Month Certificate
$0
4.08%
▲ 1.65% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.65% above avgNationally 2.67%
Details
Early Withdrawal Penalty: 3 month interest
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
18-Month Certificate IRA
$1,000
4.07%
▲ 1.64% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.64% above avgNationally 2.67%
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Special
$0
4.07%
▲ 1.64% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.64% above avgNationally 2.67%
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Months
$0
4.06%
▲ 1.63% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.63% above avgNationally 2.67%
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
18 Month CD Special with Active Account
$1,000
4.05%
▲ 1.62% above New York avg
▼
Rate3.98%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.62% above avgNationally 2.67%
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Months
$0
4.01%
▲ 1.58% above New York avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.58% above avgNationally 2.67%
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.28%
18-Month
$100
4.00%
▲ 1.57% above New York avg
▼
Rate3.87%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.57% above avgNationally 2.67%
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
18 Month Pick Your Term
$5,000
4.00%
▲ 1.57% above New York avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.57% above avgNationally 2.67%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
18-month IRA TSC
$0
4.00%
▲ 1.57% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.57% above avgNationally 2.67%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
18-month Roth IRA TSC
$0
4.00%
▲ 1.57% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.57% above avgNationally 2.67%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
18-month TSC
$0
4.00%
▲ 1.57% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.57% above avgNationally 2.67%
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
18 Months
$0
4.00%
▲ 1.57% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.57% above avgNationally 2.67%
Details
3 | New Deposits Only
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
18 Months Certificate
$0
4.00%
▲ 1.57% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.57% above avgNationally 2.67%
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Month CD
$0
3.95%
▲ 1.52% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.52% above avgNationally 2.67%
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
18 Month (Legacy Club)
$0
3.91%
▲ 1.48% above New York avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.48% above avgNationally 2.67%
Details
Legacy Club
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
18 Month CD
$0
3.90%
▲ 1.47% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.47% above avgNationally 2.67%
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
18 Months
$0
3.90%
▲ 1.47% above New York avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.47% above avgNationally 2.67%
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Business 18 Months
$0
3.90%
▲ 1.47% above New York avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.47% above avgNationally 2.67%
Details
In-Branch
M&T Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.17%
18-Month M&T Select CD
$0
3.85%
▲ 1.42% above New York avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.42% above avgNationally 2.67%
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Months
$0
3.85%
▲ 1.42% above New York avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.42% above avgNationally 2.67%
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
18 Month
$0
3.81%
▲ 1.38% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.38% above avgNationally 2.67%
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
18 Month CD Special without Active Account
$1,000
3.80%
▲ 1.37% above New York avg
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.37% above avgNationally 2.67%
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 months
$0
3.75%
▲ 1.32% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.32% above avgNationally 2.67%
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
1 1/2 Years (18 Months)
$250
3.75%
▲ 1.32% above New York avg
▼
Rate3.68%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.32% above avgNationally 2.67%
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
18 Month Bump Up
$500
3.75%
▲ 1.32% above New York avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.32% above avgNationally 2.67%
Details
Once your account is established, you may make a one time request within the first six (6) months your account is open to exchange your 18 Month Bump Up Share Certificate for another certificate we offer that has a higher rate (excluding another 18 Month Bump Up Share Certificate). The new certificate must have a minimum term of 12 months, and all terms and conditions of the new certificate will apply.
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
18 Month IRA
$500
3.75%
▲ 1.32% above New York avg
▼
Rate3.68%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.32% above avgNationally 2.67%
Details
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
18 Months CD
$0
3.70%
▲ 1.27% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.27% above avgNationally 2.67%
Details
Chen-Del-O Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
18 months
$0
3.65%
▲ 1.22% above New York avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.22% above avgNationally 2.67%
Details
Penalty for early withdrawal: 60 days loss of dividends
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18 Month CD
$5,000
3.60%
▲ 1.17% above New York avg
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.17% above avgNationally 2.67%
Details
Limited Time Offer. NEW MONEY REQUIRED. IRA ELIGIBLE. Annual Percentage Yield (APY) shown is accurate as of 3/11/2026. This is a limited time offer and may be discontinued without prior notice. Offer good for the initial term only. CD is automatically renewed for an 18-month term. The renewal rate is determined based on the published rate for the CD, excluding CD specials. Advertised rate and APY are offered at the bank's discretion and may change daily. Actual earnings may vary. $5,000 minimum and $250,000 maximum CD funding amount is required with funds not currently on deposit at OceanFirst Bank. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Additional restrictions may apply.
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
18 Months
$0
3.56%
▲ 1.13% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.13% above avgNationally 2.67%
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
18 Months
$0
3.55%
▲ 1.12% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.12% above avgNationally 2.67%
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
18 Month CD Special without Active Account
$1,000
3.55%
▲ 1.12% above New York avg
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.12% above avgNationally 2.67%
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
HSA Certificates 18 months
$0
3.55%
▲ 1.12% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.12% above avgNationally 2.67%
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
18 Month
$0
3.50%
▲ 1.07% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.07% above avgNationally 2.67%
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
IRA Certificates of Deposit 18 Months
$0
3.50%
▲ 1.07% above New York avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.07% above avgNationally 2.67%
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 months
$0
3.50%
▲ 1.07% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.07% above avgNationally 2.67%
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit - 18 Month Certificate
$500
3.50%
▲ 1.07% above New York avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.07% above avgNationally 2.67%
Details
(Fixed Rate)
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
18 month Share Certificate
$500
3.50%
▲ 1.07% above New York avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.07% above avgNationally 2.67%
Details
Offer good for the initial term only for 9, 15 and 25 month Share Certificates. 9 month Share Certificate is automatically renewed for a 9 month term. 15 month Share Certificate is automatically renewed for a 12 month term. 25 month Share Certificate is automatically renewed for a 24 month term. All other Share Certificates are automatically renewed for same length as initial term. Advertised rate and APY are offered at the credit union's discretion and may change daily.
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
18 Months
$1,000
3.50%
▲ 1.07% above New York avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.07% above avgNationally 2.67%
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
18 month to 23 month
$0
3.50%
▲ 1.07% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.07% above avgNationally 2.67%
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
18 months
$500
3.50%
▲ 1.07% above New York avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.07% above avgNationally 2.67%
Details
Penalty for early withdrawal of certificates less than 3 years: 90 days interest.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term
$0
3.45%
▲ 1.02% above New York avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.02% above avgNationally 2.67%
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
18-month term CD Specials
$0
3.45%
▲ 1.02% above New York avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.43%▲ 1.02% above avgNationally 2.67%
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Evans Mills 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
24 Months
$0
2.00%
▲ 0.11% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 0.11% above avgNationally 2.71%
Details
Best***
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
24 Months
$0
1.40%
▼ 0.49% below New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▼ 0.49% below avgNationally 2.71%
Details
Better**
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
24 Months
$0
0.90%
▼ 0.99% below New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▼ 0.99% below avgNationally 2.71%
Details
Basic*
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 year
$0
4.75%
▲ 2.86% above New York avg
▼
Rate4.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.86% above avgNationally 2.71%
Details
Regular IRA And Roth IRA
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
24-month CD
$1,000
4.25%
▲ 2.36% above New York avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.36% above avgNationally 2.71%
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 6.66%
24 Month Certificate
$0
4.25%
▲ 2.36% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.36% above avgNationally 2.71%
Details
Special Rate
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
24 Month
$100,000
4.15%
▲ 2.26% above New York avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.26% above avgNationally 2.71%
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24-Month Jumbo Promo Certificate
$100,000
4.10%
▲ 2.21% above New York avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.21% above avgNationally 2.71%
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
24 Months
$0
4.06%
▲ 2.17% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.17% above avgNationally 2.71%
Details
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
24 Months
$0
4.01%
▲ 2.12% above New York avg
▼
Rate3.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.12% above avgNationally 2.71%
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
24 Month Pick Your Term
$5,000
4.00%
▲ 2.11% above New York avg
▼
Rate3.94%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.11% above avgNationally 2.71%
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2 years up to 3
$1,000
4.00%
▲ 2.11% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.11% above avgNationally 2.71%
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Pension CDs (Includes IRA, SEP 401K, ESOP) 2 years up to 3
$1,000
4.00%
▲ 2.11% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.11% above avgNationally 2.71%
Details
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
24 Months
$0
4.00%
▲ 2.11% above New York avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.11% above avgNationally 2.71%
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
24 Months Certificate
$0
4.00%
▲ 2.11% above New York avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.11% above avgNationally 2.71%
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
24 Month
$0
4.00%
▲ 2.11% above New York avg
▼
Rate3.93%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.11% above avgNationally 2.71%
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
2 Year
$500
4.00%
▲ 2.11% above New York avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.11% above avgNationally 2.71%
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
24 Month
$500
4.00%
▲ 2.11% above New York avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.11% above avgNationally 2.71%
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24-Month Jumbo Promo Certificate
$100
3.95%
▲ 2.06% above New York avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.06% above avgNationally 2.71%
Details
Promotional certificate. Minimum balance to open regular share certificate and obtain APY is $100.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
24 Months
$0
3.90%
▲ 2.01% above New York avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.01% above avgNationally 2.71%
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Business 24 Months
$0
3.90%
▲ 2.01% above New York avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 2.01% above avgNationally 2.71%
Details
In-Branch
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
2 Year Certificate
$500
3.87%
▲ 1.98% above New York avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.98% above avgNationally 2.71%
Details
Credit Quarterly Compound Daily
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 6.93%
24 Months
$0
3.85%
▲ 1.96% above New York avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.96% above avgNationally 2.71%
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 months
$0
3.85%
▲ 1.96% above New York avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.96% above avgNationally 2.71%
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Business 24-Month Certificate
$500
3.85%
▲ 1.96% above New York avg
▼
Rate3.77%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.96% above avgNationally 2.71%
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
24 month
$0
3.82%
▲ 1.93% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.93% above avgNationally 2.71%
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
24-MONTH
$0
3.82%
▲ 1.93% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.93% above avgNationally 2.71%
Details
FEATURED SHARE CERTIFICATE
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
24 Month CD
$0
3.80%
▲ 1.91% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.91% above avgNationally 2.71%
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
24 months
$0
3.80%
▲ 1.91% above New York avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.91% above avgNationally 2.71%
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
18 and 24 Months
$0
3.80%
▲ 1.91% above New York avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.91% above avgNationally 2.71%
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
2 Year IRA Certificate
$0
3.80%
▲ 1.91% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.91% above avgNationally 2.71%
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
2-Year Share Certificate
$1,000
3.77%
▲ 1.88% above New York avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.88% above avgNationally 2.71%
Details
Penalty for early withdrawal: 6 Months Dividends
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
24 Month CD
$0
3.75%
▲ 1.86% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates 24 Months
$0
3.75%
▲ 1.86% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2-year IRA TSC
$0
3.75%
▲ 1.86% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2-year Roth IRA TSC
$0
3.75%
▲ 1.86% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2-year TSC
$0
3.75%
▲ 1.86% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
24 month Share Certificate
$500
3.75%
▲ 1.86% above New York avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
Offer good for the initial term only for 9, 15 and 25 month Share Certificates. 9 month Share Certificate is automatically renewed for a 9 month term. 15 month Share Certificate is automatically renewed for a 12 month term. 25 month Share Certificate is automatically renewed for a 24 month term. All other Share Certificates are automatically renewed for same length as initial term. Advertised rate and APY are offered at the credit union's discretion and may change daily.
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
24 Month Certificate
$0
3.75%
▲ 1.86% above New York avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.48%
24 Month
$0
3.75%
▲ 1.86% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
24 month to 29 month
$0
3.75%
▲ 1.86% above New York avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
24 Month IRA Term Share Certificate
$0
3.75%
▲ 1.86% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
24 Month Plus
$0
3.75%
▲ 1.86% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.86% above avgNationally 2.71%
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
24 Month CD
$0
3.65%
▲ 1.76% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.76% above avgNationally 2.71%
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
24 Month Certificate
$0
3.61%
▲ 1.72% above New York avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.72% above avgNationally 2.71%
Details
Early Withdrawal Penalty: 3 month interest
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 months
$0
3.60%
▲ 1.71% above New York avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.71% above avgNationally 2.71%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
24 Month Plus
$0
3.60%
▲ 1.71% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.71% above avgNationally 2.71%
Details
Chen-Del-O Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.00%
24 months
$0
3.60%
▲ 1.71% above New York avg
▼
Rate3.56%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.71% above avgNationally 2.71%
Details
Penalty for early withdrawal: 90 days loss of dividends
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
24 Months
$0
3.56%
▲ 1.67% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.67% above avgNationally 2.71%
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
24 Mo IRA Cert
$500
3.56%
▲ 1.67% above New York avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.89%▲ 1.67% above avgNationally 2.71%
Details
Evans Mills 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 Months
$0
4.35%
▲ 2.55% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.55% above avgNationally 2.66%
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
36 Months Certificate
$0
4.25%
▲ 2.45% above New York avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.45% above avgNationally 2.66%
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3 years up to 4
$1,000
4.00%
▲ 2.20% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.20% above avgNationally 2.66%
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Pension CDs (Includes IRA, SEP 401K, ESOP) 3 years up to 4
$1,000
4.00%
▲ 2.20% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.20% above avgNationally 2.66%
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Year Share Certificate
$1,000
3.82%
▲ 2.02% above New York avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.02% above avgNationally 2.66%
Details
Penalty for early withdrawal: 9 Months Dividends
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
36-month IRA Share Certificate
$0
3.82%
▲ 2.02% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.02% above avgNationally 2.66%
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month
$0
3.81%
▲ 2.01% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.01% above avgNationally 2.66%
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
IRA Certificate 36 Months
$0
3.80%
▲ 2.00% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.00% above avgNationally 2.66%
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
IRA Certificates 36 Months
$0
3.80%
▲ 2.00% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.00% above avgNationally 2.66%
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
36 Month CD
$0
3.80%
▲ 2.00% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 2.00% above avgNationally 2.66%
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
36 Month IRA Term Share Certificate
$0
3.75%
▲ 1.95% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.95% above avgNationally 2.66%
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
3 Year Certificate
$500
3.72%
▲ 1.92% above New York avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.92% above avgNationally 2.66%
Details
Credit Quarterly Compound Daily
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
36 Month CD
$0
3.70%
▲ 1.90% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.90% above avgNationally 2.66%
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
3 Year IRA Certificate
$0
3.70%
▲ 1.90% above New York avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.90% above avgNationally 2.66%
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
36 Month Certificate
$0
3.66%
▲ 1.86% above New York avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.86% above avgNationally 2.66%
Details
Early Withdrawal Penalty: 3 month interest
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
36 Months
$0
3.61%
▲ 1.81% above New York avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.81% above avgNationally 2.66%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
36 Month Plus
$0
3.60%
▲ 1.80% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.80% above avgNationally 2.66%
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Business 36-Month Certificate
$500
3.60%
▲ 1.80% above New York avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.80% above avgNationally 2.66%
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Jumbo Term Share (Certificate) 36 Month
$99,000
3.55%
▲ 1.75% above New York avg
▼
Rate3.50%
Min Deposit$99,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.75% above avgNationally 2.66%
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
HSA Certificates 36 months
$0
3.55%
▲ 1.75% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.75% above avgNationally 2.66%
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
36 Month
$0
3.55%
▲ 1.75% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.75% above avgNationally 2.66%
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
3-Year Term
$0
3.52%
▲ 1.72% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.72% above avgNationally 2.66%
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
36 Month
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
36 Month CD
$0
3.50%
▲ 1.70% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Roth IRA 3-year
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Traditional IRA 3-year
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
1APY means Annual Percentage Yield. Rates shown are for Traditional IRA accounts.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
36 Months
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Business 36 Months
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
In-Branch
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
3 Years (36 Months)
$250
3.50%
▲ 1.70% above New York avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3-year IRA TSC
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3-year Roth IRA TSC
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3-year TSC
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
3 years
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
1x Bump Up
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
36 month to 47 month
$0
3.50%
▲ 1.70% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
3 years
$500
3.50%
▲ 1.70% above New York avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Penalty for early withdrawal of certificates 3 years or more: 240 days interest.
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
36 Month Plus
$0
3.50%
▲ 1.70% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.70% above avgNationally 2.66%
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
36 Month
$2,500
3.49%
▲ 1.69% above New York avg
▼
Rate3.45%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.69% above avgNationally 2.66%
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
36 Month CD and IRA
$0
3.45%
▲ 1.65% above New York avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.65% above avgNationally 2.66%
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
36 Months
$1,000
3.45%
▲ 1.65% above New York avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.65% above avgNationally 2.66%
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
3-Year Term
$0
3.42%
▲ 1.62% above New York avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.62% above avgNationally 2.66%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
36 Month Plus
$0
3.40%
▲ 1.60% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.60% above avgNationally 2.66%
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
3-Year Term
$0
3.37%
▲ 1.57% above New York avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.57% above avgNationally 2.66%
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 0.11%
36 Month Jumbo Share Certificate
$100,000
3.35%
▲ 1.55% above New York avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.55% above avgNationally 2.66%
Details
Dividend Paid Monthly
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
36 Months
$0
3.30%
▲ 1.50% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.50% above avgNationally 2.66%
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Mo IRA Cert
$500
3.30%
▲ 1.50% above New York avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.50% above avgNationally 2.66%
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
36 Mo Share Cert
$500
3.30%
▲ 1.50% above New York avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.50% above avgNationally 2.66%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
36 Month Certificate
$0
3.30%
▲ 1.50% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.50% above avgNationally 2.66%
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
36 Month
$1,000
3.29%
▲ 1.49% above New York avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.49% above avgNationally 2.66%
Details
Compounded Quarterly
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
36 Months IRA Share Certificate
$0
3.29%
▲ 1.49% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.49% above avgNationally 2.66%
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates 36 Months
$0
3.25%
▲ 1.45% above New York avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.80%▲ 1.45% above avgNationally 2.66%
Details
Evans Mills 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 and 4 year
$0
5.00%
▲ 2.95% above New York avg
▼
Rate5.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 2.95% above avgNationally 2.65%
Details
Regular IRA And Roth IRA
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
48 Months Certificate
$0
4.25%
▲ 2.20% above New York avg
▼
Rate4.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 2.20% above avgNationally 2.65%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
48-Month Certificate
$100
4.15%
▲ 2.10% above New York avg
▼
Rate4.07%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 2.10% above avgNationally 2.65%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
48-Month Term/IRA Term
$0
4.15%
▲ 2.10% above New York avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 2.10% above avgNationally 2.65%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
Single - 48 MONTH TERM ACCOUNT
$0
4.15%
▲ 2.10% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 2.10% above avgNationally 2.65%
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
4 years up to 5
$1,000
4.10%
▲ 2.05% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 2.05% above avgNationally 2.65%
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Pension CDs (Includes IRA, SEP 401K, ESOP) 4 years up to 5
$1,000
4.10%
▲ 2.05% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 2.05% above avgNationally 2.65%
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
48 month (with step up option)
$0
3.92%
▲ 1.87% above New York avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.87% above avgNationally 2.65%
Details
step up option
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
48-MONTH
$0
3.92%
▲ 1.87% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.87% above avgNationally 2.65%
Details
FEATURED SHARE CERTIFICATE
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
48 Month
$0
3.81%
▲ 1.76% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.76% above avgNationally 2.65%
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
4-Year Share Certificate
$1,000
3.77%
▲ 1.72% above New York avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.72% above avgNationally 2.65%
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4 Year Certificate
$500
3.77%
▲ 1.72% above New York avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.72% above avgNationally 2.65%
Details
Credit Quarterly Compound Daily
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
48 Month CD
$0
3.75%
▲ 1.70% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.70% above avgNationally 2.65%
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
48 Month IRA Term Share Certificate
$0
3.75%
▲ 1.70% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.70% above avgNationally 2.65%
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
48 Months
$0
3.61%
▲ 1.56% above New York avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.56% above avgNationally 2.65%
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
48 Month
$0
3.60%
▲ 1.55% above New York avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.55% above avgNationally 2.65%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
48 Month Plus
$0
3.60%
▲ 1.55% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.55% above avgNationally 2.65%
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Business 48-Month Certificate
$500
3.60%
▲ 1.55% above New York avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.55% above avgNationally 2.65%
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
HSA Certificates 48 months
$0
3.55%
▲ 1.50% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.50% above avgNationally 2.65%
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
48 Month
$0
3.55%
▲ 1.50% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.50% above avgNationally 2.65%
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Roth IRA 4-year
$0
3.50%
▲ 1.45% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.45% above avgNationally 2.65%
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Traditional IRA 4-year
$0
3.50%
▲ 1.45% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.45% above avgNationally 2.65%
Details
1APY means Annual Percentage Yield. Rates shown are for Traditional IRA accounts.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Months
$0
3.50%
▲ 1.45% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.45% above avgNationally 2.65%
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Business 48 Months
$0
3.50%
▲ 1.45% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.45% above avgNationally 2.65%
Details
In-Branch
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
4 Years (48 Months)
$250
3.50%
▲ 1.45% above New York avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.45% above avgNationally 2.65%
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
48 Months
$1,000
3.50%
▲ 1.45% above New York avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.45% above avgNationally 2.65%
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
48 month to 59 month
$0
3.50%
▲ 1.45% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.45% above avgNationally 2.65%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
48 Month Plus
$0
3.50%
▲ 1.45% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.45% above avgNationally 2.65%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
48 Month Plus
$0
3.40%
▲ 1.35% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.35% above avgNationally 2.65%
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
48 Months
$0
3.30%
▲ 1.25% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.25% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.30%
▲ 1.25% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.25% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
48 Month Certificate
$0
3.25%
▲ 1.20% above New York avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.20% above avgNationally 2.65%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 48 Month Certificate
$0
3.25%
▲ 1.20% above New York avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.20% above avgNationally 2.65%
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
48 Month CD
$500
3.20%
▲ 1.15% above New York avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.15% above avgNationally 2.65%
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
48 Month IRA
$500
3.20%
▲ 1.15% above New York avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.15% above avgNationally 2.65%
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
48 Month CD
$1,000
3.17%
▲ 1.12% above New York avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.12% above avgNationally 2.65%
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
48 Month IRA CD
$1,000
3.17%
▲ 1.12% above New York avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.12% above avgNationally 2.65%
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
48 month
$500
3.11%
▲ 1.06% above New York avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.06% above avgNationally 2.65%
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
48 Month CD
$0
3.08%
▲ 1.03% above New York avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.03% above avgNationally 2.65%
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
4-year Share Certificate and IRA Certificate
$0
3.07%
▲ 1.02% above New York avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.02% above avgNationally 2.65%
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month CD
$500
3.05%
▲ 1.00% above New York avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 1.00% above avgNationally 2.65%
Details
APY is fixed for a 48-month term.
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Mo IRA Cert
$500
3.04%
▲ 0.99% above New York avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.99% above avgNationally 2.65%
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
48 Mo Share Cert
$500
3.04%
▲ 0.99% above New York avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.99% above avgNationally 2.65%
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
IRA Certificates of Deposit - 48 Month
$0
3.00%
▲ 0.95% above New York avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.95% above avgNationally 2.65%
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
4 Year Certificate
$0
3.00%
▲ 0.95% above New York avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.95% above avgNationally 2.65%
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.31%
Share Certificates 48 Months
$0
3.00%
▲ 0.95% above New York avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.95% above avgNationally 2.65%
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
48 Month Certificate
$0
3.00%
▲ 0.95% above New York avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.95% above avgNationally 2.65%
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month
$500
3.00%
▲ 0.95% above New York avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.95% above avgNationally 2.65%
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
48 Month IRA
$500
3.00%
▲ 0.95% above New York avg
▼
Rate2.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.95% above avgNationally 2.65%
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
48 Month Certificates and IRA
$500
2.94%
▲ 0.89% above New York avg
▼
Rate2.91%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average2.05%▲ 0.89% above avgNationally 2.65%
Details
Evans Mills 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
26424 Johnson Road, Evans Mills, NY 13637
36 - 60 Months
$0
0.03%
▼ 1.92% below New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▼ 1.92% below avgNationally 2.76%
Details
Best***
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 years
$0
5.25%
▲ 3.30% above New York avg
▼
Rate5.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 3.30% above avgNationally 2.76%
Details
Regular IRA And Roth IRA
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
60 Month Business Certificate Account
$0
4.15%
▲ 2.20% above New York avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 2.20% above avgNationally 2.76%
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
60 Month Certificate
$0
4.15%
▲ 2.20% above New York avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 2.20% above avgNationally 2.76%
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
60 Month IRA Certificate
$0
4.15%
▲ 2.20% above New York avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 2.20% above avgNationally 2.76%
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.63%
Single - 60 MONTH TERM ACCOUNT
$0
4.15%
▲ 2.20% above New York avg
▼
Rate4.07%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 2.20% above avgNationally 2.76%
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
5 years
$1,000
4.10%
▲ 2.15% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 2.15% above avgNationally 2.76%
Details
Apply Online
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Pension CDs (Includes IRA, SEP 401K, ESOP) 5 years
$1,000
4.10%
▲ 2.15% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 2.15% above avgNationally 2.76%
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
60 Month Certificate
$0
3.92%
▲ 1.97% above New York avg
▼
Rate3.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.97% above avgNationally 2.76%
Details
Early Withdrawal Penalty: 6 month interest
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
IRA Certificate 60 Months
$0
3.85%
▲ 1.90% above New York avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.90% above avgNationally 2.76%
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
IRA Certificates 60 Months
$0
3.85%
▲ 1.90% above New York avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.90% above avgNationally 2.76%
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5-Year Share Certificate
$1,000
3.82%
▲ 1.87% above New York avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.87% above avgNationally 2.76%
Details
Penalty for early withdrawal: 9 Months Dividends
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
5 Year Certificate
$500
3.82%
▲ 1.87% above New York avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.87% above avgNationally 2.76%
Details
Credit Quarterly Compound Daily
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
60 Month
$0
3.81%
▲ 1.86% above New York avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.86% above avgNationally 2.76%
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
60 Month CD
$0
3.75%
▲ 1.80% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.80% above avgNationally 2.76%
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
60 Month IRA Term Share Certificate
$0
3.75%
▲ 1.80% above New York avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.80% above avgNationally 2.76%
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
60 Months
$0
3.71%
▲ 1.76% above New York avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.76% above avgNationally 2.76%
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
Business 60-Month Certificate
$500
3.65%
▲ 1.70% above New York avg
▼
Rate3.58%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.70% above avgNationally 2.76%
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
60 Months
$1,000
3.60%
▲ 1.65% above New York avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.65% above avgNationally 2.76%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
60 Month
$0
3.60%
▲ 1.65% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.65% above avgNationally 2.76%
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
60 Month
$0
3.56%
▲ 1.61% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.61% above avgNationally 2.76%
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
5 Year IRA Certificate
$0
3.55%
▲ 1.60% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.60% above avgNationally 2.76%
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
HSA Certificates 60 months
$0
3.55%
▲ 1.60% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.60% above avgNationally 2.76%
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
60 Month
$0
3.55%
▲ 1.60% above New York avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.60% above avgNationally 2.76%
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
60 Month CD and IRA
$0
3.50%
▲ 1.55% above New York avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.55% above avgNationally 2.76%
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Roth IRA 5-year
$0
3.50%
▲ 1.55% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.55% above avgNationally 2.76%
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
Traditional IRA 5-year
$0
3.50%
▲ 1.55% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.55% above avgNationally 2.76%
Details
1APY means Annual Percentage Yield. Rates shown are for Traditional IRA accounts.
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
60 Months
$0
3.50%
▲ 1.55% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.55% above avgNationally 2.76%
Details
Online
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
Business 60 Months
$0
3.50%
▲ 1.55% above New York avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.55% above avgNationally 2.76%
Details
In-Branch
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
5 Years (60 Months)
$250
3.50%
▲ 1.55% above New York avg
▼
Rate3.44%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.55% above avgNationally 2.76%
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
5 years
$500
3.50%
▲ 1.55% above New York avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.55% above avgNationally 2.76%
Details
Penalty for early withdrawal of certificates 3 years or more: 240 days interest.
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
60 Month
$0
3.50%
▲ 1.55% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.55% above avgNationally 2.76%
Details
EverBank
Institution Rating:
B4.5 ★Texas Ratio: 20.65%
3.5-Year Bump Rate CD
$0
3.40%
▲ 1.45% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.45% above avgNationally 2.76%
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
60 Month
$0
3.40%
▲ 1.45% above New York avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.45% above avgNationally 2.76%
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
60 Months
$0
3.30%
▲ 1.35% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.35% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.30%
▲ 1.35% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.35% above avgNationally 2.76%
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
5 years
$0
3.29%
▲ 1.34% above New York avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.34% above avgNationally 2.76%
Details
New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
5 Years IRA Certificate
$0
3.25%
▲ 1.30% above New York avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.30% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Certificate
$0
3.25%
▲ 1.30% above New York avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.30% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 60 Month Certificate
$0
3.25%
▲ 1.30% above New York avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.30% above avgNationally 2.76%
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
60 Month CD
$0
3.23%
▲ 1.28% above New York avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.28% above avgNationally 2.76%
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
60 Month CD
$1,000
3.17%
▲ 1.22% above New York avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.22% above avgNationally 2.76%
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
60 Month IRA CD
$1,000
3.17%
▲ 1.22% above New York avg
▼
Rate3.12%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.22% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Variable Rate Certificate
$0
3.15%
▲ 1.20% above New York avg
▼
Rate3.11%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.20% above avgNationally 2.76%
Details
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
60 month
$500
3.11%
▲ 1.16% above New York avg
▼
Rate3.07%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.16% above avgNationally 2.76%
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
60 Month CD
$500
3.10%
▲ 1.15% above New York avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.15% above avgNationally 2.76%
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
60 Month IRA
$500
3.10%
▲ 1.15% above New York avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.15% above avgNationally 2.76%
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
60 Month Variable Rate Certificate
$0
3.10%
▲ 1.15% above New York avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.15% above avgNationally 2.76%
Details
Rate may change twice during the term. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25%). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Business 60 Month Variable Rate Certificate
$0
3.10%
▲ 1.15% above New York avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.15% above avgNationally 2.76%
Details
Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months).
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
60-month term
$0
3.10%
▲ 1.15% above New York avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
New York Average1.95%▲ 1.15% above avgNationally 2.76%
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Evans Mills, NY CD Rate Trends
Compare local Evans Mills, 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.
12-Month CD — NY Avg
2.148%
▼ 0.330 vs 7 days ago
New York 12-month CD rates fell 0.330 points over the past 7 days to 2.148% APY.
6-Month CD — NY Avg
1.925%
▼ 0.143 vs 7 days ago
New York 6-month CD rates fell 0.143 points over the past 7 days to 1.925% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NY CD Rate Forecast — Next 12 Months
Where are New York CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.148%
6-Month Forecast
2.148%
Range: 1.95% – 2.30%
12-Month Forecast
1.898%
Range: 1.70% – 2.05%
Powered by
MonitorBankRates
What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.459% | $72.97 | $145.93 | $364.83 | $729.65 |
| 6-Month CD | 1.925% | $96.26 | $192.51 | $481.28 | $962.55 |
| 12-Month CD | 2.148% | $107.39 | $214.78 | $536.95 | $1,073.90 |
| 18-Month CD | 2.427% | $121.32 | $242.65 | $606.63 | $1,213.25 |
| 24-Month CD | 1.887% | $94.34 | $188.67 | $471.68 | $943.35 |
| 36-Month CD | 1.803% | $90.13 | $180.26 | $450.65 | $901.30 |
| 48-Month CD | 2.047% | $102.34 | $204.68 | $511.70 | $1,023.40 |
| 60-Month CD | 1.955% | $97.73 | $195.45 | $488.63 | $977.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Evans Mills, New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.459% | $72.97 |
| 2 | 6-Month CD | $5,000 | 1.925% | $96.26 |
| 3 | 12-Month CD | $5,000 | 2.148% | $107.39 |
| 4 | 24-Month CD | $5,000 | 1.887% | $94.34 |
| 5 | 36-Month CD | $5,000 | 1.803% | $90.13 |
| Total ($25,000 invested) | $25,000 | 1.844% blended | $461.09/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.
1,226
CD Rates
Tracked in Evans Mills, New York
Tracked in Evans Mills, New York
56 Banks
83 Credit Unions
About Our Evans Mills, New York CD Rate Database
MonitorBankRates tracks 1,226 CD rates from 56 banks and 83 credit unions with locations in Evans Mills, New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Northern Credit Union offers a CD at 3.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Evans Mills, New York.
How to Find the Best CD Rates in Evans Mills, New York
What to compare when shopping for a CD in Evans Mills, New York
To find the best APYs in Evans Mills, New York, start with credit unions and online-only banks — Evans Mills, New York has 83 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 Evans Mills, 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 Evans Mills, New York — 139 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Evans Mills, New York savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Evans Mills, New York money market rates
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
$109/yr
At NY 12-mo avg 2.148% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 2.148%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $109 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 Evans Mills, New York
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Evans Mills, 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 Evans Mills, 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 Evans Mills, New York as everywhere in the U.S.
Choosing a CD Term in Evans Mills, 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 Evans Mills, New York savers easier access to their funds. For example, Northern Credit Union is offering its 6 Months at 3.40% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Northern Credit Union is offering its 36 - 60 Months at 0.03% 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 Evans Mills, 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 Evans Mills, 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 Evans Mills, 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 Evans Mills, 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 Evans Mills, New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a Evans Mills, 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 Evans Mills, New York
Are CD rates in Evans Mills, New York FDIC insured?
Yes, most established banks in Evans Mills, 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 Evans Mills, 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 Evans Mills, 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 Evans Mills, 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 Evans Mills, New York?
Here are recent top rates found for this area:
- Northern Credit Union: 3.40% APY (6 Months)
- Italo American Credit Union: 5.25% APY (5 years)
- Habib American HAB Bank : 4.50% APY (12 Months)
- Morgan Stanley E-Trade: 4.35% APY (36 Months)
- Quorum Federal Credit Union: 4.35% APY (12-Month Certificate)
- Crescent Bank: 4.25% APY (24-month CD)
- TrailNorth Federal Credit Union: 4.25% APY (12 Months)
- Pittsford Federal Credit Union: 4.25% APY (36 Months Certificate)
- Sunmark Credit Union: 4.25% APY (6 Month Certificate)
- Heritage Financial Credit Union: 4.25% APY (Share/IRA Certificate Special - 12 months)
Rates reflect recent verified offers available in Evans Mills, New York. Last Updated: August 28, 2026
Evans Mills, 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 Evans Mills, 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 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Evans Mills, New York
Evans Mills, New York CD Calculator
At today’s NY top rate of 3.40% APY, a $10,000 deposit earns $340 in the first year. Enter your amount to see your exact return.
Evans Mills, New York CD LadderNY CD rates currently range from 1.459% (3-month) to 1.803% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Evans Mills, New York CD at 3.40% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew York’s average 12-month CD is 2.148% 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 Evans Mills, 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 Evans Mills, 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 Evans Mills, 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: August 28, 2026
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