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CD Rate Trends

Kingston, New York Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 31, 2026

Kingston, New York CD rates range from 0.05% to 6.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Kingston, New York CD rates include Rhinebeck BankRhinebeck Bank27 Main St, Kingston, NY 12401A+5.0 ★Texas Ratio: 2.51%Real return: +0.70%APY minus CPIRate verified Oct 31, 2026 offering 2-Year CD - Promo at 4.40% APY, TD BankTD Bank411 415 Washington Avenue, Kingston, NY 12401A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Oct 31, 2026 offering 24 Month TD Choice CD at 4.30% APY, TrustCo BankTrustCo Bank1220 Ulster Ave, Kingston, NY 12401A+5.0 ★Texas Ratio: 4.14%Real return: +0.55%APY minus CPIRate verified Oct 31, 2026 offering 12 - 18 Month CD at 4.25% APY, Ulster Savings BankUlster Savings Bank180 Schwenk Dr, Kingston, NY 12401A5.0 ★Texas Ratio: 12.93%Real return: +0.55%APY minus CPIRate verified Oct 31, 2026 offering CD - 24 month at 4.25% APY, and Bank of Greene CountyBank of Greene County2 Miron Ln, Kingston, NY 12401A+5.0 ★Texas Ratio: 1.35%Real return: +0.30%APY minus CPIRate verified Oct 31, 2026 offering 5 Year Relationship CD at 4.00% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.

Kingston has 96 local institutions in our database, with CD rates as high as 4.40% APY from Rhinebeck Bank at 27 Main St, Kingston, NY 12401. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New York area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026

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

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

Kingston 3 Month CD Rates

New York 3 Month CD Average2.08% APYNational 2.13%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Month TD Choice CD
$250
2.00% ▼ 0.08% below New York avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▼ 0.08% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Month TD Choice CD
$250
1.99% ▼ 0.09% below New York avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▼ 0.09% below avgNationally 2.13%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 31, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
3-Month CD
$0
1.61% ▼ 0.47% below New York avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▼ 0.47% below avgNationally 2.13%
Details

Rate History
No change since Sep 24, 2026 · 1.61% APY · checked 8 times
1.11%1.61%2.11%Sep 24, 2026: 1.61% APYSep 24, 2026Oct 31, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 3 month (91 day)
$2,500
0.10% ▼ 1.98% below New York avg
View
▼
Rate0.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▼ 1.98% below avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Oct 20, 2026: 0.10% APYOct 20, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
3 Month CD
$2,500
0.10% ▼ 1.98% below New York avg
View
▼
Rate0.10%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▼ 1.98% below avgNationally 2.13%
Details

Balance: $2,500.00 minimum to earn APY

Rate History
No change since Oct 21, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 21, 2026: 0.10% APYOct 21, 2026Oct 31, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 3 Months
$0
0.10% ▼ 1.98% below New York avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▼ 1.98% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 31, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.02% below New York avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▼ 2.02% below avgNationally 2.13%
Details

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

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 31, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
3 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.03% below New York avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▼ 2.03% below avgNationally 2.13%
Details

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

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 31, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Certificate
$2,500
4.50% ▲ 2.42% above New York avg
View
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 2.42% above avgNationally 2.13%
Details

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

Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
0.20%3.43%6.65%Oct 13, 2026: 2.35% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20264.50%▲ from 2.35%
  • Oct 13, 20262.35%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
3 Month Share Certificate
$0
4.50% ▲ 2.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.08%▲ 2.42% above avgNationally 2.13%
Details

Minimum balance of $50 required; withdrawals of principal subject to early withdrawal penalties; membership eligibility required; APY fixed for initial term

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 3 Months
$0
4.30% ▲ 2.22% above New York avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.08%▲ 2.22% above avgNationally 2.13%
Details

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 3 Months
$0
4.25% ▲ 2.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 2.17% above avgNationally 2.13%
Details

Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026

Rate History
1 change since Oct 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
3.60%4.18%4.75%Oct 14, 2026: 4.10% APYOct 31, 2026: 4.25% APYOct 14, 2026Oct 31, 2026
  • Oct 31, 20264.25%▲ from 4.10%
  • Oct 14, 20264.10%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 3 Months
$0
4.23% ▲ 2.15% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 2.15% above avgNationally 2.13%
Details

Rate History
No change since Oct 23, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Oct 23, 2026: 4.23% APYOct 23, 2026Oct 31, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Share Certificate
$0
4.20% ▲ 2.12% above New York avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 31, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 3 Months
$0
4.20% ▲ 2.12% above New York avg
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 31, 2026
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Month Online CD
$500
4.10% ▲ 2.02% above New York avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 2.02% above avgNationally 2.13%
Details

Online CD

Rate History
No change since Oct 28, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 28, 2026: 4.10% APYOct 28, 2026Oct 31, 2026
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3-Month CD Special
$0
4.06% ▲ 1.98% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.98% above avgNationally 2.13%
Details

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

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 24, 2026: 3.80% APYOct 14, 2026: 4.06% APYSep 24, 2026Oct 31, 2026
  • Oct 14, 20264.06%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 3 Months
$0
4.03% ▲ 1.95% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.95% above avgNationally 2.13%
Details

Rate History
No change since Oct 23, 2026 · 4.03% APY · checked 2 times
3.53%4.03%4.53%Oct 23, 2026: 4.03% APYOct 23, 2026Oct 31, 2026
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
Share Certificate - 3 Month
$0
4.00% ▲ 1.92% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.92% above avgNationally 2.13%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 31, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96% ▲ 1.88% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.88% above avgNationally 2.13%
Details

APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only

Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
3.20%3.83%4.46%Oct 7, 2026: 3.70% APYOct 26, 2026: 3.96% APYOct 7, 2026Oct 31, 2026
  • Oct 26, 20263.96%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
3-month CD
$0
3.85% ▲ 1.77% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.77% above avgNationally 2.13%
Details

No minimum deposit to open; minimum balance to earn stated APY is $500.00; APY accurate as of 9/25/2026; penalty for early withdrawal

Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 31, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.72% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.72% above avgNationally 2.13%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 11 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 31, 2026
Industrial and Commercial Bank of China USA
Institution Rating:
B-4.3 ★Texas Ratio: 23.84%
Special Personal CD Promotion - 3-month
$0
3.80% ▲ 1.72% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.72% above avgNationally 2.13%
Details

Special Personal CD Promotion; Deposit Amount: $2,500 Minimum balance; APY effective as of 9/24/2026; ICBC (USA) personal demand deposit customers only; Early withdrawal penalties may apply

Rate History
No change since Oct 28, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 28, 2026: 3.80% APYOct 28, 2026Oct 31, 2026
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 3 Month
$500
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Branch Only; Effective: 12/17/2025

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 31, 2026
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 3 Month
$0
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 31, 2026
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificates Of Deposit
$0
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 31, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 3-month
$1,000
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Certificate
$500
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Fixed rate

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 31, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 months up to 6
$10,000
3.70% ▲ 1.62% above New York avg
View
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 31, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
Certificate of Deposit - 3 Month
$1,000
3.70% ▲ 1.62% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
IRA CD - 3 Month
$1,000
3.70% ▲ 1.62% above New York avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

Minimum daily balance to earn interest: $1,000.00

Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Oct 31, 2026
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month CD
$0
3.65% ▲ 1.57% above New York avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.57% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 20, 2026: 3.65% APYOct 20, 2026Oct 31, 2026
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 3 Month
$0
3.61% ▲ 1.53% above New York avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.53% above avgNationally 2.13%
Details

Minimum balance $500; Remarks: Credit Monthly

Rate History
No change since Oct 15, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 15, 2026: 3.61% APYOct 15, 2026Oct 31, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 3 month
$0
3.60% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.52% above avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 31, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.47% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.47% above avgNationally 2.13%
Details

Balance: $500 or more; Account matures in 3 months; Fund up to $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 10 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 31, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details

Business CD; maximum deposit $250,000

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 10 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 31, 2026
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD 3 Month
$500
3.50% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details

$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 31, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40% ▲ 1.32% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.32% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 11 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 31, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35% ▲ 1.27% above New York avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.27% above avgNationally 2.13%
Details

Penalty for early withdrawal: 3 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 31, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 3 months
$0
3.30% ▲ 1.22% above New York avg
View
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.22% above avgNationally 2.13%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 31, 2026: 3.30% APYOct 31, 2026Oct 31, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 90 Day
$250
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 31, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Regular Certificate
$0
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 31, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Youth Certificate
$50
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 31, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Regular or IRA/HSA Share Certificate; Rates Effective October 28, 2026 to November 3, 2026

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 31, 2026
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
Certificate Shares - 3 months
$0
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.25% ▲ 0.21 pts · high 3.25% / low 3.04%
2.54%3.15%3.75%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.25% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20263.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$100,000
3.25% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 31, 2026
Southern Chautauqua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Traditional IRA 3 Months
$0
3.23% ▲ 1.15% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.15% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 23, 2026 · 3.23% APY · checked 2 times
2.73%3.23%3.73%Oct 23, 2026: 3.23% APYOct 23, 2026Oct 31, 2026
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Month Share Certificate Account
$0
3.19% ▲ 1.11% above New York avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.11% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 22, 2026 · 3.19% APY · checked 3 times
2.69%3.19%3.69%Oct 22, 2026: 3.19% APYOct 22, 2026Oct 31, 2026
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$25,000
3.10% ▲ 1.02% above New York avg
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.08%▲ 1.02% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 31, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
3 Month CD
$0
3.05% ▲ 0.97% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY · checked 4 times
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 31, 2026

Kingston 6 Month CD Rates

New York 6 Month CD Average2.82% APYNational 2.79%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
6 Months CD
$0
4.00% ▲ 1.18% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.79%
Details

Certificates of Deposit Specials

Rate History
3 changes since Sep 24, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.40% / low 3.40%
2.40%3.90%5.40%Sep 24, 2026: 3.40% APYOct 14, 2026: 4.15% APYOct 20, 2026: 4.40% APYOct 31, 2026: 4.00% APYSep 24, 2026Oct 31, 2026
  • Oct 31, 20264.00%▼ from 4.40%
  • Oct 20, 20264.40%▲ from 4.15%
  • Oct 14, 20264.15%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
6 Month Jumbo Certificate
$100,000
3.10% ▲ 0.28% above New York avg
View
▼
Rate3.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 0.28% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 11 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
6 Month Certificate
$500
3.00% ▲ 0.18% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 0.18% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 12 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
6 Month TD Choice CD
$250
2.00% ▼ 0.82% below New York avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 0.82% below avgNationally 2.79%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
6 Month TD Choice CD
$250
1.99% ▼ 0.83% below New York avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 0.83% below avgNationally 2.79%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 31, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
6-Month CD
$0
1.61% ▼ 1.21% below New York avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 1.21% below avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 1.61% APY · checked 8 times
1.11%1.61%2.11%Sep 24, 2026: 1.61% APYSep 24, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
6 Month Certificate of Deposit
$1,000
0.25% ▼ 2.57% below New York avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 2.57% below avgNationally 2.79%
Details

$1,000.00 minimum to open account; $1,000.00 minimum to earn APY; may impose penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 20, 2026: 0.25% APYOct 20, 2026Oct 31, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 6 month (182 day)
$2,500
0.15% ▼ 2.67% below New York avg
View
▼
Rate0.15%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 2.67% below avgNationally 2.79%
Details

Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
6 Month CD
$500
0.15% ▼ 2.67% below New York avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 2.67% below avgNationally 2.79%
Details

Balance: $500.00 minimum to earn APY

Rate History
No change since Oct 21, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 21, 2026: 0.15% APYOct 21, 2026Oct 31, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 6 Months
$0
0.15% ▼ 2.67% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▼ 2.67% below avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 31, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.76% below New York avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 2.76% below avgNationally 2.79%
Details

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

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
6 Month TD No Catch CD
$0
0.05% ▼ 2.77% below New York avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 2.77% below avgNationally 2.79%
Details

6 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 31, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
6 Month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.77% below New York avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▼ 2.77% below avgNationally 2.79%
Details

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

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 31, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
6 Month Youth Share Certificate
$0
6.00% ▲ 3.18% above New York avg
View
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 3.18% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 6 times
5.50%6.00%6.50%Oct 5, 2026: 6.00% APYOct 5, 2026Oct 31, 2026
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 6 Months
$0
5.00% ▲ 2.18% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 31, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6-month TSC
$1,000
5.00% ▲ 2.18% above New York avg
View
▼
Rate4.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.79%
Details

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

Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
3.00%4.50%6.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 5.00% APYSep 12, 2026Oct 31, 2026
  • Oct 12, 20265.00%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.86% ▲ 2.04% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 2.04% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 4.86% APY · checked 2 times
4.36%4.86%5.36%Oct 23, 2026: 4.86% APYOct 23, 2026Oct 31, 2026
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.75% ▲ 1.93% above New York avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.93% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 23, 2026: 4.75% APYOct 23, 2026Oct 31, 2026
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.60% ▲ 1.78% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.78% above avgNationally 2.79%
Details

Rate History
No change since Oct 23, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 23, 2026: 4.60% APYOct 23, 2026Oct 31, 2026
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Share Certificate - 6 Month
$0
4.55% ▲ 1.73% above New York avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.73% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.55% ▲ 0.55 pts · high 4.55% / low 4.00%
3.45%4.28%5.10%Sep 14, 2026: 4.00% APYOct 29, 2026: 4.55% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.55%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
6 Month Share Certificate
$0
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details

Minimum balance to earn dividends: $1,000.00

Rate History
1 change since Oct 8, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 8, 2026: 4.00% APYOct 28, 2026: 4.50% APYOct 8, 2026Oct 31, 2026
  • Oct 28, 20264.50%▲ from 4.00%
  • Oct 8, 20264.00%first recorded
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
6 Month Youth Share Certificate
$0
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details

Minimum balance to earn dividends: $500.00

Rate History
1 change since Oct 8, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 8, 2026: 4.00% APYOct 28, 2026: 4.50% APYOct 8, 2026Oct 31, 2026
  • Oct 28, 20264.50%▲ from 4.00%
  • Oct 8, 20264.00%first recorded
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Jumbo Certificate
$0
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details

Effective October 22 through October 28, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 6 Month
$500
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details

Interest paid monthly; Share code 89

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate 6 Month
$0
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details

Interest paid monthly; minimum $50,000

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificate - 6 Month
$500
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details

Share code 69; Int. Monthly

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
6 Month Share Certificate
$0
4.50% ▲ 1.68% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details

Minimum balance of $50 required; withdrawals of principal subject to early withdrawal penalties; membership eligibility required; APY fixed for initial term

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6 Month Online CD
$500
4.40% ▲ 1.58% above New York avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.79%
Details

Online CD

Rate History
No change since Oct 28, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 28, 2026: 4.40% APYOct 28, 2026Oct 31, 2026
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
6 Month Certificate of Deposit
$1,000
4.40% ▲ 1.58% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.79%
Details

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

Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
3.65%4.28%4.90%Sep 25, 2026: 4.15% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 31, 2026
  • Oct 12, 20264.40%▲ from 4.15%
  • Sep 25, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Certificate
$100
4.40% ▲ 1.58% above New York avg
View
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.79%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.40% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20264.40%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 6 MONTH TERM ACCOUNT
$100
4.40% ▲ 1.58% above New York avg
View
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 15, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 15, 2026: 4.40% APYOct 15, 2026Oct 31, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
6 Month Share Certificate
$0
4.35% ▲ 1.53% above New York avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 6 Months
$0
4.35% ▲ 1.53% above New York avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 31, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-month CD
$10,000
4.35% ▲ 1.53% above New York avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.79%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 31, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 6 Months
$0
4.35% ▲ 1.53% above New York avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.79%
Details

Rate History
No change since Oct 26, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 26, 2026: 4.35% APYOct 26, 2026Oct 31, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 6 Months
$0
4.30% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.48% above avgNationally 2.79%
Details

Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026

Rate History
1 change since Oct 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Oct 14, 2026: 4.15% APYOct 31, 2026: 4.30% APYOct 14, 2026Oct 31, 2026
  • Oct 31, 20264.30%▲ from 4.15%
  • Oct 14, 20264.15%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month CD
$2,500
4.30% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.48% above avgNationally 2.79%
Details

Business CD; maximum deposit $250,000

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.30% APYSep 18, 2026Oct 31, 2026
  • Oct 14, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
6 Month CNSaver Online CD
$1,000
4.25% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Regular Certificate
$0
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Youth Certificate
$50
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.16%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
6 Month Share Certificate
$0
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Certificate
$500
4.25% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details

4.25% APY based on 6 month certificate; must maintain $500 minimum balance to earn advertised rate; additional deposits not allowed; certificate auto-renews at maturity; rate accurate as of August 3, 2026

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Commercial Share Certificate
$500
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details

No Additional Deposits Permitted

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 8 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 31, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.23% ▲ 1.41% above New York avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.41% above avgNationally 2.79%
Details

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

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
3.50%4.12%4.73%Oct 14, 2026: 4.00% APYOct 20, 2026: 4.23% APYOct 14, 2026Oct 31, 2026
  • Oct 20, 20264.23%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 Month Certificate of Deposit
$0
4.20% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.79%
Details

Offer applies to New Money Only for domestic personal accounts opened online; APYs effective as of 10/26/2026; penalties may apply to early withdrawals

Rate History
No change since Oct 28, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 28, 2026: 4.20% APYOct 28, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
6 Month Certificate of Deposit
$0
4.20% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.79%
Details

FDIC insurance: at least $250,000

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Bank CD - 6 Months
$0
4.20% ▲ 1.38% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.79%
Details

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

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 6 Months
$0
4.20% ▲ 1.38% above New York avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.79%
Details

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 31, 2026

Kingston 12 Month CD Rates

New York 12 Month CD Average3.04% APYNational 3.01%Unchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
12 Months CD
$0
4.25% ▲ 1.21% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.21% above avgNationally 3.01%
Details

Certificates of Deposit Specials

Rate History
4 changes since Sep 19, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
2.65%3.85%5.05%Sep 19, 2026: 3.45% APYSep 24, 2026: 3.95% APYOct 14, 2026: 3.50% APYOct 20, 2026: 4.00% APYOct 31, 2026: 4.25% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.25%▲ from 4.00%
  • Oct 20, 20264.00%▲ from 3.50%
  • Oct 14, 20263.50%▼ from 3.95%
  • Sep 24, 20263.95%▲ from 3.45%
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
12 Month TD Choice CD
$250
4.15% ▲ 1.11% above New York avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.11% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
12 Month TD Choice CD
$250
4.14% ▲ 1.10% above New York avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.10% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 4 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 31, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 12 month
$2,500
4.00% ▲ 0.96% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 0.96% above avgNationally 3.01%
Details

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
12 Month Jumbo Certificate
$100,000
3.50% ▲ 0.46% above New York avg
View
▼
Rate3.44%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 0.46% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 14, 2026: 3.35% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.50%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
1 Year CD
$1,000
3.40% ▲ 0.36% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 0.36% above avgNationally 3.01%
Details

Relationship CD Special; requires active checking account; guaranteed rate; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 3 times
2.90%3.40%3.90%Oct 20, 2026: 3.40% APYOct 20, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
1 Year Relationship CD
$1,000
3.40% ▲ 0.36% above New York avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 0.36% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Oct 20, 2026: 3.40% APYOct 20, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
12 Month Certificate
$500
3.40% ▲ 0.36% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 0.36% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.40% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
12 Month IRA Certificate
$100
3.40% ▲ 0.36% above New York avg
View
▼
Rate3.34%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 0.36% above avgNationally 3.01%
Details

Rates effective 10/1/26

Rate History
1 change since Sep 17, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 17, 2026: 3.25% APYOct 5, 2026: 3.40% APYSep 17, 2026Oct 31, 2026
  • Oct 5, 20263.40%▲ from 3.25%
  • Sep 17, 20263.25%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
12 Month VIP - Variable Certificate
$25,000
3.40% ▲ 0.36% above New York avg
View
▼
Rate3.34%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 0.36% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYOct 9, 2026: 3.40% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
1 Year Online CD
$0
3.25% ▲ 0.21% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 0.21% above avgNationally 3.01%
Details

Interest rate 3.20%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 11 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
1 Year Certificate of Deposit
$1,000
3.00% ▼ 0.04% below New York avg
View
▼
Rate2.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▼ 0.04% below avgNationally 3.01%
Details

$1,000.00 minimum to open account; $1,000.00 minimum to earn APY; may impose penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 31, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
12-Month CD
$0
2.27% ▼ 0.77% below New York avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▼ 0.77% below avgNationally 3.01%
Details

Rate History
No change since Sep 24, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 24, 2026: 2.27% APYSep 24, 2026Oct 31, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
1 Year Standard Fixed Rate CD - Relationship
$2,500
1.51% ▼ 1.53% below New York avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▼ 1.53% below avgNationally 3.01%
Details

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

Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 5 times
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Oct 31, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
235 Fair St, Kingston, NY 12401
1 Year Standard Fixed Rate CD
$2,500
1.50% ▼ 1.54% below New York avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▼ 1.54% below avgNationally 3.01%
Details

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

Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 31, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 12 Months
$0
1.50% ▼ 1.54% below New York avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▼ 1.54% below avgNationally 3.01%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
12 Month CD
$500
0.25% ▼ 2.79% below New York avg
View
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▼ 2.79% below avgNationally 3.01%
Details

Balance: $500.00 minimum to earn APY

Rate History
No change since Oct 21, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 21, 2026: 0.25% APYOct 21, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
12 Month TD IRA Add-Vantage CD
$0
0.05% ▼ 2.99% below New York avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▼ 2.99% below avgNationally 3.01%
Details

12 Month TD IRA Add-Vantage CD; IRA certificate

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
12 Month TD No Catch CD
$0
0.05% ▼ 2.99% below New York avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▼ 2.99% below avgNationally 3.01%
Details

12 Month TD No Catch CD

Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Oct 20, 2026: 0.05% APYOct 20, 2026Oct 31, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
1 Year Youth Share Certificate
$0
5.50% ▲ 2.46% above New York avg
View
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 2.46% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 6 times
5.00%5.50%6.00%Oct 5, 2026: 5.50% APYOct 5, 2026Oct 31, 2026
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
12 Month Online CD
$500
4.65% ▲ 1.61% above New York avg
View
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.61% above avgNationally 3.01%
Details

Online CD

Rate History
No change since Oct 28, 2026 · 4.65% APY · checked 2 times
4.15%4.65%5.15%Oct 28, 2026: 4.65% APYOct 28, 2026Oct 31, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Jumbo Certificate
$0
4.60% ▲ 1.56% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.56% above avgNationally 3.01%
Details

Effective October 22 through October 28, 2026

Rate History
No change since Oct 23, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 23, 2026: 4.60% APYOct 23, 2026Oct 31, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12-month CD
$10,000
4.60% ▲ 1.56% above New York avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.56% above avgNationally 3.01%
Details

Rate History
3 changes since Sep 24, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
3.75%4.43%5.10%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYOct 19, 2026: 4.60% APYSep 24, 2026Oct 31, 2026
  • Oct 19, 20264.60%▲ from 4.50%
  • Oct 6, 20264.50%▲ from 4.40%
  • Oct 1, 20264.40%▲ from 4.25%
  • Sep 24, 20264.25%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 12 Months
$0
4.60% ▲ 1.56% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.56% above avgNationally 3.01%
Details

Rate History
No change since Oct 26, 2026 · 4.60% APY · checked 2 times
4.10%4.60%5.10%Oct 26, 2026: 4.60% APYOct 26, 2026Oct 31, 2026
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year Certificate
$500
4.58% ▲ 1.54% above New York avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.54% above avgNationally 3.01%
Details

Early withdrawal penalty: 120 days simple interest for one year

Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 5 times
4.08%4.58%5.08%Oct 5, 2026: 4.58% APYOct 5, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
12 Month Certificate of Deposit
$0
4.55% ▲ 1.51% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.75% → 4.55% ▼ 0.20 pts · high 4.75% / low 4.55%
4.05%4.65%5.25%Oct 8, 2026: 4.75% APYOct 22, 2026: 4.55% APYOct 8, 2026Oct 31, 2026
  • Oct 22, 20264.55%▼ from 4.75%
  • Oct 8, 20264.75%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Bank CD - 12 Months
$0
4.55% ▲ 1.51% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 12 Months
$0
4.55% ▲ 1.51% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 31, 2026
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Share Certificate - 12 Month
$0
4.55% ▲ 1.51% above New York avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.55% ▲ 0.55 pts · high 4.55% / low 4.00%
3.45%4.28%5.10%Sep 14, 2026: 4.00% APYOct 29, 2026: 4.55% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.55%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Share Certificate - Lucky Savers (12 Month)
$0
4.55% ▲ 1.51% above New York avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details

Rate History
1 change since Oct 15, 2026 · 4.00% → 4.55% ▲ 0.55 pts · high 4.55% / low 4.00%
3.45%4.28%5.10%Oct 15, 2026: 4.00% APYOct 29, 2026: 4.55% APYOct 15, 2026Oct 31, 2026
  • Oct 29, 20264.55%▲ from 4.00%
  • Oct 15, 20264.00%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 12 Months
$0
4.50% ▲ 1.46% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026

Rate History
1 change since Oct 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 14, 2026: 4.25% APYOct 31, 2026: 4.50% APYOct 14, 2026Oct 31, 2026
  • Oct 31, 20264.50%▲ from 4.25%
  • Oct 14, 20264.25%first recorded
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
12 Month Share Certificate
$0
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Minimum balance to earn dividends: $1,000.00

Rate History
1 change since Oct 8, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Oct 8, 2026: 3.50% APYOct 28, 2026: 4.50% APYOct 8, 2026Oct 31, 2026
  • Oct 28, 20264.50%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
12 Month Youth Share Certificate
$0
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Minimum balance to earn dividends: $500.00

Rate History
1 change since Oct 8, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Oct 8, 2026: 3.50% APYOct 28, 2026: 4.50% APYOct 8, 2026Oct 31, 2026
  • Oct 28, 20264.50%▲ from 3.50%
  • Oct 8, 20263.50%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth Conversion IRA TSC
$1,000
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 31, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth IRA TSC
$1,000
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 31, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year TSC
$1,000
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 31, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Traditional IRA 1-year TSC
$1,000
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
12 Month Share Certificate
$0
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
IRA & ESA Certificate 12 Months
$0
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
1 change since Oct 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 12, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 12, 2026Oct 31, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 12, 20264.00%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 12 Months
$0
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
12 Month Certificate
$1,000
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 12 Month
$500
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Interest paid monthly; Share code 83

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate 12 Month
$0
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Interest paid monthly; minimum $50,000

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificate - 12 Month
$500
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Share code 63; Int. Monthly

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Certificate
$100
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 14, 2026: 4.35% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20264.50%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 12 MONTH TERM ACCOUNT
$100
4.50% ▲ 1.46% above New York avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
3.85%4.43%5.00%Sep 14, 2026: 4.35% APYOct 15, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.50%▲ from 4.35%
  • Sep 14, 20264.35%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
12 Month Share Certificate
$0
4.50% ▲ 1.46% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Minimum balance of $50 required; withdrawals of principal subject to early withdrawal penalties; membership eligibility required; APY fixed for initial term

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.00% APYOct 10, 2026: 4.50% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.50%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Regular IRA And Roth IRA CD
$0
4.50% ▲ 1.46% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details

Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 19, 2026: 4.50% APYOct 19, 2026Oct 31, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield CD
$500
4.40% ▲ 1.36% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.36% above avgNationally 3.01%
Details

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

Rate History
1 change since Sep 22, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
3.40%4.15%4.90%Sep 22, 2026: 3.90% APYOct 1, 2026: 4.40% APYSep 22, 2026Oct 31, 2026
  • Oct 1, 20264.40%▲ from 3.90%
  • Sep 22, 20263.90%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 12 Month
$1,000
4.40% ▲ 1.36% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.36% above avgNationally 3.01%
Details

Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 3 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 31, 2026

Kingston 18 Month CD Rates

New York 18 Month CD Average2.95% APYNational 2.91%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
18-Month CD - Promo
$0
4.30% ▲ 1.35% above New York avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details

Promotional product; can be discontinued at any time

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 8 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
18 Month TD Choice CD
$250
4.25% ▲ 1.30% above New York avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
12 - 18 Month CD
$0
4.25% ▲ 1.30% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

CD Rates; Certificate of Deposit

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
12 - 18 Month Certificate of Deposit
$0
4.25% ▲ 1.30% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

Homepage banner text: CD Rates 12 - 18 Months 4.25 APY (Annual Percentage Yield)

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
18 Months CD
$0
4.25% ▲ 1.30% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

Certificates of Deposit Specials

Rate History
4 changes since Sep 19, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 19, 2026: 3.60% APYSep 24, 2026: 4.00% APYOct 14, 2026: 3.50% APYOct 20, 2026: 4.00% APYOct 31, 2026: 4.25% APYSep 19, 2026Oct 31, 2026
  • Oct 31, 20264.25%▲ from 4.00%
  • Oct 20, 20264.00%▲ from 3.50%
  • Oct 14, 20263.50%▼ from 4.00%
  • Sep 24, 20264.00%▲ from 3.60%
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
Certificate of Deposit - 12 - 18 Months
$500
4.25% ▲ 1.30% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

Substantial penalty for early withdrawal. Fees may reduce earnings.

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
18 Month TD Choice CD
$250
4.24% ▲ 1.29% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.29% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 31, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
108 N Front St, Kingston, NY 12401
18 Month Select Certificate of Deposit
$1,000
3.85% ▲ 0.90% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 0.90% above avgNationally 2.91%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Rates may vary by ZIP code

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 31, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
108 N Front St, Kingston, NY 12401
18-Month M&T Select CD
$1,000
3.85% ▲ 0.90% above New York avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 0.90% above avgNationally 2.91%
Details

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

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 11 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
18 Month Certificate
$500
3.50% ▲ 0.55% above New York avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 0.55% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 14, 2026: 3.25% APYOct 5, 2026: 3.50% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20263.50%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
18 Month IRA Certificate
$100
3.50% ▲ 0.55% above New York avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 0.55% above avgNationally 2.91%
Details

Rates effective 10/1/26

Rate History
1 change since Sep 17, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 17, 2026: 3.25% APYOct 5, 2026: 3.50% APYSep 17, 2026Oct 31, 2026
  • Oct 5, 20263.50%▲ from 3.25%
  • Sep 17, 20263.25%first recorded
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 18 Months
$0
2.00% ▼ 0.95% below New York avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▼ 0.95% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
18 Month Certificate of Deposit
$1,000
0.30% ▼ 2.65% below New York avg
View
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▼ 2.65% below avgNationally 2.91%
Details

$1,000.00 minimum to open account; $1,000.00 minimum to earn APY; may impose penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Oct 20, 2026: 0.30% APYOct 20, 2026Oct 31, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 18 month
$500
0.30% ▼ 2.65% below New York avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▼ 2.65% below avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Oct 20, 2026: 0.30% APYOct 20, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
18 Month CD
$500
0.30% ▼ 2.65% below New York avg
View
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▼ 2.65% below avgNationally 2.91%
Details

Balance: $500.00 minimum to earn APY

Rate History
No change since Oct 21, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Oct 21, 2026: 0.30% APYOct 21, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
18 Month IRA Club
$50
0.30% ▼ 2.65% below New York avg
View
▼
Rate0.30%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▼ 2.65% below avgNationally 2.91%
Details

Balance: $50.00 minimum to earn APY

Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 9 times
0.00%0.40%0.80%Sep 19, 2026: 0.30% APYSep 19, 2026Oct 31, 2026
Usalliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Certificate
$0
5.05% ▲ 2.10% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 2.10% above avgNationally 2.91%
Details

Special Rate

Rate History
No change since Oct 30, 2026 · 5.05% APY
4.55%5.05%5.55%Oct 30, 2026: 5.05% APYOct 30, 2026Oct 31, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-month CD
$10,000
4.80% ▲ 1.85% above New York avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 1.85% above avgNationally 2.91%
Details

Rate History
4 changes since Sep 24, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
3.85%4.57%5.30%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYOct 19, 2026: 4.75% APYOct 26, 2026: 4.80% APYSep 24, 2026Oct 31, 2026
  • Oct 26, 20264.80%▲ from 4.75%
  • Oct 19, 20264.75%▲ from 4.65%
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 18 Months
$0
4.80% ▲ 1.85% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 1.85% above avgNationally 2.91%
Details

Rate History
No change since Oct 26, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 26, 2026: 4.80% APYOct 26, 2026Oct 31, 2026
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
18 Month Online CD
$500
4.70% ▲ 1.75% above New York avg
View
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.75% above avgNationally 2.91%
Details

Online CD

Rate History
No change since Oct 28, 2026 · 4.70% APY · checked 2 times
4.20%4.70%5.20%Oct 28, 2026: 4.70% APYOct 28, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Month Certificate of Deposit
$0
4.55% ▲ 1.60% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.60% above avgNationally 2.91%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.40% → 4.55% ▲ 0.15 pts · high 4.55% / low 4.40%
3.90%4.48%5.05%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.55% APYOct 8, 2026Oct 31, 2026
  • Oct 22, 20264.55%▲ from 4.40%
  • Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Bank CD - 18 Months
$0
4.55% ▲ 1.60% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.60% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 18 Months
$0
4.55% ▲ 1.60% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.60% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 31, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 18 Months
$0
4.50% ▲ 1.55% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details

Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026

Rate History
1 change since Oct 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
3.80%4.40%5.00%Oct 14, 2026: 4.30% APYOct 31, 2026: 4.50% APYOct 14, 2026Oct 31, 2026
  • Oct 31, 20264.50%▲ from 4.30%
  • Oct 14, 20264.30%first recorded
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 18 Month
$0
4.50% ▲ 1.55% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 31, 2026
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month Roth IRA TSC
$1,000
4.50% ▲ 1.55% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 31, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month TSC
$1,000
4.50% ▲ 1.55% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 31, 2026
  • Oct 12, 20264.50%▲ from 4.00%
  • Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Traditional IRA 18-month TSC
$1,000
4.50% ▲ 1.55% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
18 Month Share Certificate
$0
4.50% ▲ 1.55% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 18 Months
$0
4.50% ▲ 1.55% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 31, 2026
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18 Month Variable Rate IRA
$100
4.46% ▲ 1.51% above New York avg
View
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.51% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
3.65%4.31%4.96%Sep 19, 2026: 4.15% APYOct 7, 2026: 4.46% APYSep 19, 2026Oct 31, 2026
  • Oct 7, 20264.46%▲ from 4.15%
  • Sep 19, 20264.15%first recorded
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18-Month CD
$500
4.44% ▲ 1.49% above New York avg
View
▼
Rate4.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.49% above avgNationally 2.91%
Details

New money only; financial institutions ineligible

Rate History
No change since Oct 14, 2026 · 4.44% APY · checked 5 times
3.94%4.44%4.94%Oct 14, 2026: 4.44% APYOct 14, 2026Oct 31, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40% ▲ 1.45% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.45% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 31, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 1 1/2 Years (18 Months)
$250
4.40% ▲ 1.45% above New York avg
View
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.95%▲ 1.45% above avgNationally 2.91%
Details

Term: 1 1/2 Years (18 Months)

Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.37% ▲ 1.42% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.42% above avgNationally 2.91%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
18 Month Certificate of Deposit
$500
4.35% ▲ 1.40% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.95%▲ 1.40% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 20, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 20, 2026: 3.90% APYOct 22, 2026: 4.35% APYSep 20, 2026Oct 31, 2026
  • Oct 22, 20264.35%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Certificate of Deposit - 18 Months
$500
4.35% ▲ 1.40% above New York avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.95%▲ 1.40% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 31, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 18 Months
$500
4.35% ▲ 1.40% above New York avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.95%▲ 1.40% above avgNationally 2.91%
Details

Available: Online

Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.32% ▲ 1.37% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.37% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Oct 20, 2026: 4.32% APYOct 20, 2026Oct 31, 2026
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Business Certificates - 18-Month
$100
4.30% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 24, 2026: 4.00% APYOct 31, 2026: 4.30% APYSep 24, 2026Oct 31, 2026
  • Oct 31, 20264.30%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Certificate - 18-Month
$100
4.30% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYOct 31, 2026: 4.30% APYSep 18, 2026Oct 31, 2026
  • Oct 31, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Individual Retirement Accounts - 18-Month
$100
4.30% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details

Rate History
No change since Oct 31, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 31, 2026: 4.30% APYOct 31, 2026Oct 31, 2026
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
Share/IRA Certificate - 18 months
$500
4.30% ▲ 1.35% above New York avg
View
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details

Balance to earn minimum APY: $500

Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 26, 2026: 4.30% APYOct 26, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Month Hope Preferred CD
$1,000
4.25% ▲ 1.30% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

Featured rate from 'Earn More with the Hope Preferred CD' banner; APY accurate as of 10/16/2026; APYs vary by term and deposit amount; $1,000.00 minimum balance required to obtain stated APY; Online account opening

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 18 months
$0
4.25% ▲ 1.30% above New York avg
View
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

Balance: $1,000.00 - $249,999.99; Online Account Opening

Rate History
No change since Oct 31, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 31, 2026: 4.25% APYOct 31, 2026Oct 31, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month CD
$1,000
4.25% ▲ 1.30% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000

Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 26, 2026: 4.25% APYOct 26, 2026Oct 31, 2026
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 18 Months
$50
4.25% ▲ 1.30% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 31, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.30% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details

Balanced growth CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 31, 2026
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 18 Month
$0
4.18% ▲ 1.23% above New York avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.23% above avgNationally 2.91%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Oct 15, 2026: 4.18% APYOct 15, 2026Oct 31, 2026
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 18 Months
$500
4.18% ▲ 1.23% above New York avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.23% above avgNationally 2.91%
Details

Minimum deposit $500.00; Effective 10/29/2026

Rate History
1 change since Oct 22, 2026 · 3.76% → 4.18% ▲ 0.42 pts · high 4.18% / low 3.76%
3.26%3.97%4.68%Oct 22, 2026: 3.76% APYOct 29, 2026: 4.18% APYOct 22, 2026Oct 31, 2026
  • Oct 29, 20264.18%▲ from 3.76%
  • Oct 22, 20263.76%first recorded

Kingston 24 Month CD Rates

New York 24 Month CD Average2.90% APYNational 2.91%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
2-Year CD - Promo
$0
4.40% ▲ 1.50% above New York avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details

Promotional product; can be discontinued at any time

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 8 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
24 Month TD Choice CD
$250
4.30% ▲ 1.40% above New York avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.40% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
24 Month TD Choice CD
$250
4.29% ▲ 1.39% above New York avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.39% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 31, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 24 month
$500
4.25% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
24 Month Certificate
$500
3.75% ▲ 0.85% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 0.85% above avgNationally 2.91%
Details

Rate History
No change since Oct 5, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Oct 5, 2026: 3.75% APYOct 5, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
24 Month IRA Certificate
$100
3.75% ▲ 0.85% above New York avg
View
▼
Rate3.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 0.85% above avgNationally 2.91%
Details

Rates effective 10/1/26

Rate History
No change since Sep 17, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APYSep 17, 2026Oct 31, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
2 Year Online CD
$0
3.00% ▲ 0.10% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 0.10% above avgNationally 2.91%
Details

Interest rate 2.96%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 11 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
24 Month Rising CD
$500
0.50% ▼ 2.40% below New York avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▼ 2.40% below avgNationally 2.91%
Details

Balance: $500.00 minimum to earn APY

Rate History
No change since Oct 21, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Oct 21, 2026: 0.50% APYOct 21, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
2 Year Certificate of Deposit
$1,000
0.35% ▼ 2.55% below New York avg
View
▼
Rate0.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▼ 2.55% below avgNationally 2.91%
Details

$1,000.00 minimum to open account; $1,000.00 minimum to earn APY; may impose penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Oct 20, 2026: 0.35% APYOct 20, 2026Oct 31, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
2 Year Youth Share Certificate
$0
5.00% ▲ 2.10% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 2.10% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Oct 5, 2026: 5.00% APYOct 5, 2026Oct 31, 2026
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
24 Month Online CD
$500
4.80% ▲ 1.90% above New York avg
View
▼
Rate4.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.90% above avgNationally 2.91%
Details

Online CD

Rate History
No change since Oct 28, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 28, 2026: 4.80% APYOct 28, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Month Certificate of Deposit
$0
4.80% ▲ 1.90% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.90% above avgNationally 2.91%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 31, 2026
  • Oct 22, 20264.80%▲ from 4.40%
  • Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 24 Months
$0
4.80% ▲ 1.90% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.90% above avgNationally 2.91%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 3 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 31, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 24 Months
$0
4.80% ▲ 1.90% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.90% above avgNationally 2.91%
Details

Rate History
No change since Oct 26, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 26, 2026: 4.80% APYOct 26, 2026Oct 31, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Regular IRA And Roth IRA CD
$0
4.75% ▲ 1.85% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.85% above avgNationally 2.91%
Details

Rate History
No change since Oct 19, 2026 · 4.75% APY · checked 3 times
4.25%4.75%5.25%Oct 19, 2026: 4.75% APYOct 19, 2026Oct 31, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60% ▲ 1.70% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.70% above avgNationally 2.91%
Details

Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 3 times
4.10%4.60%5.10%Oct 20, 2026: 4.60% APYOct 20, 2026Oct 31, 2026
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
2-Year Treasury Indexed CD
$0
4.59% ▲ 1.69% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.69% above avgNationally 2.91%
Details

Campaign: TOP THE TREASURY; variable yield account with no cap

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 9 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 31, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 2-year
$1,000
4.55% ▲ 1.65% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.65% above avgNationally 2.91%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 31, 2026
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year Certificate
$500
4.53% ▲ 1.63% above New York avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.63% above avgNationally 2.91%
Details

Early withdrawal penalty: 180 days simple interest

Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 5 times
4.03%4.53%5.03%Oct 5, 2026: 4.53% APYOct 5, 2026Oct 31, 2026
Sawyer Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.69%
Certificates of Deposit - 24 Month
$0
4.50% ▲ 1.60% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.60% above avgNationally 2.91%
Details

Minimum CD balance to earn APY is $500; Early withdrawal penalties may be assessed

Rate History
1 change since Oct 22, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 22, 2026: 4.00% APYOct 27, 2026: 4.50% APYOct 22, 2026Oct 31, 2026
  • Oct 27, 20264.50%▲ from 4.00%
  • Oct 22, 20264.00%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
24 Month Certificate of Deposit
$500
4.45% ▲ 1.55% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.55% above avgNationally 2.91%
Details

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

Rate History
2 changes since Sep 20, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
3.75%4.35%4.95%Sep 20, 2026: 4.25% APYOct 3, 2026: 4.30% APYOct 22, 2026: 4.45% APYSep 20, 2026Oct 31, 2026
  • Oct 22, 20264.45%▲ from 4.30%
  • Oct 3, 20264.30%▲ from 4.25%
  • Sep 20, 20264.25%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Certificate of Deposit - 24 Months
$500
4.45% ▲ 1.55% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.55% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 22, 2026: 4.45% APYOct 22, 2026Oct 31, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 24 Months
$500
4.45% ▲ 1.55% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.55% above avgNationally 2.91%
Details

Available: Online

Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 22, 2026: 4.45% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.42% ▲ 1.52% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.52% above avgNationally 2.91%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
3.92%4.42%4.92%Oct 20, 2026: 4.42% APYOct 20, 2026Oct 31, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40% ▲ 1.50% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 31, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CDs - 24 Month
$1,000
4.40% ▲ 1.50% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details

Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 9 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 31, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.50% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details

Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 26, 2026: 4.40% APYOct 26, 2026Oct 31, 2026
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
24 Month Certificate of Deposit
$1,000
4.40% ▲ 1.50% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 25, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 25, 2026: 4.20% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 31, 2026
  • Oct 12, 20264.40%▲ from 4.20%
  • Sep 25, 20264.20%first recorded
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
Share/IRA Certificate - 24 months
$500
4.40% ▲ 1.50% above New York avg
View
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details

Balance to earn minimum APY: $500

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.40% ▲ 1.40 pts · high 4.40% / low 3.00%
1.60%3.70%5.80%Sep 14, 2026: 3.00% APYOct 26, 2026: 4.40% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20264.40%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.37% ▲ 1.47% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.47% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 24 month
$0
4.35% ▲ 1.45% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.45% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 31, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 24 Months
$0
4.35% ▲ 1.45% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.45% above avgNationally 2.91%
Details

Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 31, 2026
N C P D Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24 Month Certificate
$0
4.35% ▲ 1.45% above New York avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.45% above avgNationally 2.91%
Details

Certificates; Interest compounded quarterly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
2.65%3.93%5.20%Sep 14, 2026: 3.50% APYSep 22, 2026: 4.35% APYSep 14, 2026Oct 31, 2026
  • Sep 22, 20264.35%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 2 Year
$0
4.34% ▲ 1.44% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.44% above avgNationally 2.91%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.34% APY · checked 3 times
3.84%4.34%4.84%Oct 15, 2026: 4.34% APYOct 15, 2026Oct 31, 2026
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Long-Term Certificates - 24 Month Certificate
$50,000
4.34% ▲ 1.44% above New York avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.44% above avgNationally 2.91%
Details

Rate History
No change since Oct 26, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 26, 2026: 4.34% APYOct 26, 2026Oct 31, 2026
Town of Hempstead Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
24 Month Kids Club Certificate
$0
4.33% ▲ 1.43% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.43% above avgNationally 2.91%
Details

Balance: $400.00 - $50,000.00

Rate History
No change since Oct 22, 2026 · 4.33% APY · checked 3 times
3.83%4.33%4.83%Oct 22, 2026: 4.33% APYOct 22, 2026Oct 31, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month CD
$1,000
4.25% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details

Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 13 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Share Certificate - 24 month
$500
4.25% ▲ 1.35% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.35% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Share Certificate - 24 Month
$0
4.25% ▲ 1.35% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 29, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 29, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 24 Months
$50
4.25% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 31, 2026
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
7 - 24 Month Share Certificate
$0
4.25% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details

Choose Your Own Term!

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 31, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details

Long-term security CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 24 Months
$500
4.23% ▲ 1.33% above New York avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.33% above avgNationally 2.91%
Details

Minimum deposit $500.00; Effective 10/29/2026

Rate History
1 change since Oct 22, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
3.32%4.03%4.73%Oct 22, 2026: 3.82% APYOct 29, 2026: 4.23% APYOct 22, 2026Oct 31, 2026
  • Oct 29, 20264.23%▲ from 3.82%
  • Oct 22, 20263.82%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.22% ▲ 1.32% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 20, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Oct 20, 2026: 4.22% APYOct 20, 2026Oct 31, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 24 Month Jumbo
$0
4.16% ▲ 1.26% above New York avg
View
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.26% above avgNationally 2.91%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.16% APY · checked 2 times
3.66%4.16%4.66%Oct 23, 2026: 4.16% APYOct 23, 2026Oct 31, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 24 Month
$500
4.15% ▲ 1.25% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 23, 2026: 4.15% APYOct 23, 2026Oct 31, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$0
4.15% ▲ 1.25% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details

Minimum deposit tier: $100,000

Rate History
No change since Oct 19, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 31, 2026
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Share & IRA Certificates
$500
4.15% ▲ 1.25% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 1, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 1, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24-Month Certificate
$500
4.15% ▲ 1.25% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
3.55%4.10%4.65%Sep 14, 2026: 4.05% APYOct 6, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 6, 20264.15%▲ from 4.05%
  • Sep 14, 20264.05%first recorded

Kingston 36 Month CD Rates

New York 36 Month CD Average2.70% APYNational 2.82%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
36 Month Certificate
$500
3.00% ▲ 0.30% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 0.30% above avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 12 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
36 Month IRA Certificate
$100
3.00% ▲ 0.30% above New York avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 0.30% above avgNationally 2.82%
Details

Rates effective 10/1/26

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Oct 31, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
3 Year Online CD
$0
2.75% ▲ 0.05% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 0.05% above avgNationally 2.82%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 31, 2026
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
127 Schwenk Dr, Kingston, NY 12401
Share and IRA Certificates - 36 Months
$0
2.50% ▼ 0.20% below New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▼ 0.20% below avgNationally 2.82%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Year TD Choice CD
$250
2.00% ▼ 0.70% below New York avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▼ 0.70% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
3 Year TD Choice CD
$250
1.99% ▼ 0.71% below New York avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▼ 0.71% below avgNationally 2.82%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 31, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
3-Year CD
$0
1.89% ▼ 0.81% below New York avg
View
▼
Rate1.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▼ 0.81% below avgNationally 2.82%
Details

Rate History
No change since Sep 24, 2026 · 1.89% APY · checked 8 times
1.39%1.89%2.39%Sep 24, 2026: 1.89% APYSep 24, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
36 Month CD
$500
0.60% ▼ 2.10% below New York avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▼ 2.10% below avgNationally 2.82%
Details

Balance: $500.00 minimum to earn APY

Rate History
No change since Oct 21, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Oct 21, 2026: 0.60% APYOct 21, 2026Oct 31, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 36 month
$500
0.40% ▼ 2.30% below New York avg
View
▼
Rate0.39%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▼ 2.30% below avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Oct 20, 2026: 0.40% APYOct 20, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
3 Year Certificate of Deposit
$1,000
0.35% ▼ 2.35% below New York avg
View
▼
Rate0.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▼ 2.35% below avgNationally 2.82%
Details

$1,000.00 minimum to open account; $1,000.00 minimum to earn APY; may impose penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Oct 20, 2026: 0.35% APYOct 20, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
3 Year Triple Protection CD
$1,000
0.25% ▼ 2.45% below New York avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▼ 2.45% below avgNationally 2.82%
Details

$1,000.00 minimum to open account; $1,000.00 minimum to earn APY; may impose penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 31, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 36 Month CD
$0
4.90% ▲ 2.20% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 2.20% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.90% APY · checked 4 times
4.40%4.90%5.40%Oct 20, 2026: 4.90% APYOct 20, 2026Oct 31, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 36 Month CD
$0
4.90% ▲ 2.20% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 2.20% above avgNationally 2.82%
Details

Rate History
No change since Oct 14, 2026 · 4.90% APY · checked 5 times
4.40%4.90%5.40%Oct 14, 2026: 4.90% APYOct 14, 2026Oct 31, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
36 Month Term Account
$0
4.90% ▲ 2.20% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 2.20% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 23, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 23, 2026: 4.90% APYOct 23, 2026Oct 31, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 36 MONTH TERM ACCOUNT
$100
4.90% ▲ 2.20% above New York avg
View
▼
Rate4.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 2.20% above avgNationally 2.82%
Details

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

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%
3.10%4.45%5.80%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.90% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20264.90%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
36 Month Online CD
$500
4.85% ▲ 2.15% above New York avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 2.15% above avgNationally 2.82%
Details

Online CD

Rate History
No change since Oct 28, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 28, 2026: 4.85% APYOct 28, 2026Oct 31, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 36 Months
$0
4.85% ▲ 2.15% above New York avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 2.15% above avgNationally 2.82%
Details

Rate History
No change since Oct 26, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 26, 2026: 4.85% APYOct 26, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Month Certificate of Deposit
$0
4.80% ▲ 2.10% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 2.10% above avgNationally 2.82%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 31, 2026
  • Oct 22, 20264.80%▲ from 4.40%
  • Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 36 Months
$0
4.80% ▲ 2.10% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 2.10% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 3 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 31, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 3-year
$1,000
4.55% ▲ 1.85% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.70%▲ 1.85% above avgNationally 2.82%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.52% ▲ 1.82% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.82% above avgNationally 2.82%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
4.02%4.52%5.02%Oct 20, 2026: 4.52% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.52% ▲ 1.82% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.82% above avgNationally 2.82%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.11% → 4.52% ▲ 0.41 pts · high 4.52% / low 4.11%
3.61%4.31%5.02%Sep 8, 2026: 4.11% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.52%▲ from 4.11%
  • Sep 8, 20264.11%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 36 Months
$50
4.50% ▲ 1.80% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.80% above avgNationally 2.82%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.47% ▲ 1.77% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.77% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.47% APY · checked 4 times
3.97%4.47%4.97%Oct 20, 2026: 4.47% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.47% ▲ 1.77% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.77% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
3.56%4.27%4.97%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.47% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.47%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40% ▲ 1.70% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.70% above avgNationally 2.82%
Details

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

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 31, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
36 Month Certificate of Deposit
$1,000
4.40% ▲ 1.70% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.70% above avgNationally 2.82%
Details

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

Rate History
1 change since Sep 25, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
3.75%4.33%4.90%Sep 25, 2026: 4.25% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 31, 2026
  • Oct 12, 20264.40%▲ from 4.25%
  • Sep 25, 20264.25%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36 Month Share & IRA Certificates
$500
4.35% ▲ 1.65% above New York avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 1.65% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 14, 2026: 4.05% APYOct 1, 2026: 4.35% APYSep 14, 2026Oct 31, 2026
  • Oct 1, 20264.35%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36-Month Certificate
$500
4.35% ▲ 1.65% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 1.65% above avgNationally 2.82%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 14, 2026: 4.05% APYOct 6, 2026: 4.35% APYSep 14, 2026Oct 31, 2026
  • Oct 6, 20264.35%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate - 36 months
$500
4.35% ▲ 1.65% above New York avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 1.65% above avgNationally 2.82%
Details

Dividends paid monthly; Rates as of 10/1/2026

Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.32% ▲ 1.62% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.62% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
3.82%4.32%4.82%Oct 20, 2026: 4.32% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.32% ▲ 1.62% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.62% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 3.91% → 4.32% ▲ 0.41 pts · high 4.32% / low 3.91%
3.41%4.12%4.82%Sep 8, 2026: 3.91% APYOct 20, 2026: 4.32% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.32%▲ from 3.91%
  • Sep 8, 20263.91%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 3 Year
$0
4.29% ▲ 1.59% above New York avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.59% above avgNationally 2.82%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 3 times
3.79%4.29%4.79%Oct 15, 2026: 4.29% APYOct 15, 2026Oct 31, 2026
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 36 Months
$500
4.28% ▲ 1.58% above New York avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.58% above avgNationally 2.82%
Details

Minimum deposit $500.00; Effective 10/29/2026

Rate History
1 change since Oct 22, 2026 · 3.87% → 4.28% ▲ 0.41 pts · high 4.28% / low 3.87%
3.37%4.08%4.78%Oct 22, 2026: 3.87% APYOct 29, 2026: 4.28% APYOct 22, 2026Oct 31, 2026
  • Oct 29, 20264.28%▲ from 3.87%
  • Oct 22, 20263.87%first recorded
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.55% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.55% above avgNationally 2.82%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.25%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 3 Years
$0
4.22% ▲ 1.52% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.52% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 23, 2026 · 4.22% APY · checked 2 times
3.72%4.22%4.72%Oct 23, 2026: 4.22% APYOct 23, 2026Oct 31, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 36 Month
$500
4.20% ▲ 1.50% above New York avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.50% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.45% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.45% above avgNationally 2.82%
Details

Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 31, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
4.15% ▲ 1.45% above New York avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.45% above avgNationally 2.82%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
1 change since Sep 14, 2026 · 3.98% → 4.15% ▲ 0.17 pts · high 4.15% / low 3.98%
3.48%4.07%4.65%Sep 14, 2026: 3.98% APYOct 15, 2026: 4.15% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.15%▲ from 3.98%
  • Sep 14, 20263.98%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10% ▲ 1.40% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details

Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.10% ▲ 1.40% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 years up to 4
$1,000
4.10% ▲ 1.40% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 3 years up to 4
$1,000
4.10% ▲ 1.40% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details

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

Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 31, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 36 Month
$500
4.10% ▲ 1.40% above New York avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 31, 2026
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month CD
$1,000
4.07% ▲ 1.37% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.37% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 31, 2026
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Traditional Share Certificate
$5,000
4.07% ▲ 1.37% above New York avg
View
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.37% above avgNationally 2.82%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Term Share Account - 36 Months
$500
4.07% ▲ 1.37% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.37% above avgNationally 2.82%
Details

IRA Term Share Accounts

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.01% ▲ 1.31% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.31% above avgNationally 2.82%
Details

Rate History
No change since Oct 20, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Oct 20, 2026: 4.01% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.01% ▲ 1.31% above New York avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.31% above avgNationally 2.82%
Details

Rate History
1 change since Sep 8, 2026 · 3.60% → 4.01% ▲ 0.41 pts · high 4.01% / low 3.60%
3.10%3.80%4.51%Sep 8, 2026: 3.60% APYOct 20, 2026: 4.01% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.01%▲ from 3.60%
  • Sep 8, 20263.60%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 3 Years (36 Months)
$250
4.00% ▲ 1.30% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.70%▲ 1.30% above avgNationally 2.82%
Details

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026

Kingston 48 Month CD Rates

New York 48 Month CD Average2.60% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
48 Month Certificate
$500
3.00% ▲ 0.40% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 0.40% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 12 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
48 Month IRA Certificate
$100
3.00% ▲ 0.40% above New York avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 0.40% above avgNationally 2.81%
Details

Rates effective 10/1/26

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Oct 31, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
4 Year Online CD
$0
2.75% ▲ 0.15% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 0.15% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
4 Year TD Choice CD
$0
1.99% ▼ 0.61% below New York avg
View
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▼ 0.61% below avgNationally 2.81%
Details

No Longer for Sale

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 31, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
4-Year CD
$0
1.89% ▼ 0.71% below New York avg
View
▼
Rate1.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▼ 0.71% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 1.89% APY · checked 8 times
1.39%1.89%2.39%Sep 24, 2026: 1.89% APYSep 24, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
48 Month CD
$500
0.65% ▼ 1.95% below New York avg
View
▼
Rate0.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▼ 1.95% below avgNationally 2.81%
Details

Balance: $500.00 minimum to earn APY

Rate History
No change since Oct 21, 2026 · 0.65% APY · checked 3 times
0.15%0.65%1.15%Oct 21, 2026: 0.65% APYOct 21, 2026Oct 31, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 48 month
$500
0.45% ▼ 2.15% below New York avg
View
▼
Rate0.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▼ 2.15% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Oct 20, 2026: 0.45% APYOct 20, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
4 Year Certificate of Deposit
$1,000
0.35% ▼ 2.25% below New York avg
View
▼
Rate0.34%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▼ 2.25% below avgNationally 2.81%
Details

$1,000.00 minimum to open account; $1,000.00 minimum to earn APY; may impose penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Oct 20, 2026: 0.35% APYOct 20, 2026Oct 31, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Certificate
$100
5.00% ▲ 2.40% above New York avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 2.40% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
3.30%4.58%5.85%Sep 14, 2026: 4.15% APYOct 23, 2026: 5.00% APYSep 14, 2026Oct 31, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 48 MONTH TERM ACCOUNT
$0
5.00% ▲ 2.40% above New York avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 2.40% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 23, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 23, 2026: 5.00% APYOct 23, 2026Oct 31, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 48 Months
$0
4.95% ▲ 2.35% above New York avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.60%▲ 2.35% above avgNationally 2.81%
Details

Rate History
No change since Oct 26, 2026 · 4.95% APY · checked 2 times
4.45%4.95%5.45%Oct 26, 2026: 4.95% APYOct 26, 2026Oct 31, 2026
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
48 Month Online CD
$500
4.85% ▲ 2.25% above New York avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 2.25% above avgNationally 2.81%
Details

Online CD

Rate History
No change since Oct 28, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 28, 2026: 4.85% APYOct 28, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.58% ▲ 1.98% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.98% above avgNationally 2.81%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 20, 2026: 4.58% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.58% ▲ 1.98% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.98% above avgNationally 2.81%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 4-year
$1,000
4.55% ▲ 1.95% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.60%▲ 1.95% above avgNationally 2.81%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.52% ▲ 1.92% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.92% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
4.02%4.52%5.02%Oct 20, 2026: 4.52% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.52% ▲ 1.92% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.92% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
3.66%4.34%5.02%Sep 8, 2026: 4.16% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.52%▲ from 4.16%
  • Sep 8, 20264.16%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 48 Months
$50
4.50% ▲ 1.90% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.90% above avgNationally 2.81%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 31, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40% ▲ 1.80% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.80% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 31, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
48 Month Certificate of Deposit
$1,000
4.40% ▲ 1.80% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.80% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 25, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 25, 2026: 4.30% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 31, 2026
  • Oct 12, 20264.40%▲ from 4.30%
  • Sep 25, 20264.30%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 4 Year
$0
4.39% ▲ 1.79% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.79% above avgNationally 2.81%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 3 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 31, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 48 Month CD
$0
4.38% ▲ 1.78% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.78% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.38% APY · checked 4 times
3.88%4.38%4.88%Oct 20, 2026: 4.38% APYOct 20, 2026Oct 31, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 48 Month CD
$0
4.38% ▲ 1.78% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.78% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.38% APY · checked 5 times
3.88%4.38%4.88%Oct 14, 2026: 4.38% APYOct 14, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.37% ▲ 1.77% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
3.87%4.37%4.87%Oct 20, 2026: 4.37% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.37% ▲ 1.77% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.77% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 4.01% → 4.37% ▲ 0.36 pts · high 4.37% / low 4.01%
3.51%4.19%4.87%Sep 8, 2026: 4.01% APYOct 20, 2026: 4.37% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.37%▲ from 4.01%
  • Sep 8, 20264.01%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
4 Year Certificate
$500
4.34% ▲ 1.74% above New York avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.74% above avgNationally 2.81%
Details

Minimum $500 Credit; Quarterly Compound Daily

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.34% ▲ 0.31 pts · high 4.34% / low 4.03%
3.53%4.19%4.84%Sep 14, 2026: 4.03% APYOct 5, 2026: 4.34% APYSep 14, 2026Oct 31, 2026
  • Oct 5, 20264.34%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 4 Years
$0
4.32% ▲ 1.72% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.72% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 23, 2026 · 4.32% APY · checked 2 times
3.82%4.32%4.82%Oct 23, 2026: 4.32% APYOct 23, 2026Oct 31, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 48 Month
$500
4.25% ▲ 1.65% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.65% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 31, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
48 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.65% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.65% above avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 9, 20264.25%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.20% ▲ 1.60% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.60% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 31, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 4 years up to 5
$1,000
4.20% ▲ 1.60% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.60% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 31, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 4 years up to 5
$1,000
4.20% ▲ 1.60% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.60% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 5 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 31, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.20% ▲ 1.60% above New York avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.60% above avgNationally 2.81%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
1 change since Sep 14, 2026 · 4.03% → 4.20% ▲ 0.17 pts · high 4.20% / low 4.03%
3.53%4.12%4.70%Sep 14, 2026: 4.03% APYOct 15, 2026: 4.20% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.20%▲ from 4.03%
  • Sep 14, 20264.03%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 48 Month
$500
4.15% ▲ 1.55% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.55% above avgNationally 2.81%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Oct 15, 2026: 4.15% APYOct 15, 2026Oct 31, 2026
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month CD
$1,000
4.07% ▲ 1.47% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.47% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.06% ▲ 1.46% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Oct 20, 2026: 4.06% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.06% ▲ 1.46% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.46% above avgNationally 2.81%
Details

Rate History
1 change since Sep 8, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 8, 2026: 3.70% APYOct 20, 2026: 4.06% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.06%▲ from 3.70%
  • Sep 8, 20263.70%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 4 Year
$0
4.06% ▲ 1.46% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.46% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 23, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 23, 2026: 4.06% APYOct 23, 2026Oct 31, 2026
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Account 48-Month
$500
4.05% ▲ 1.45% above New York avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.60%▲ 1.45% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 19, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 31, 2026
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
48 Month CD
$0
4.00% ▲ 1.40% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 31, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 4 Years (48 Months)
$250
4.00% ▲ 1.40% above New York avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 48 Month Jumbo
$0
4.00% ▲ 1.40% above New York avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 31, 2026
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit 48 Month
$0
4.00% ▲ 1.40% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 31, 2026
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
4 Year IRA Certificate
$0
4.00% ▲ 1.40% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
4 Year Share Certificate
$0
4.00% ▲ 1.40% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 31, 2026
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
48 Month Share Certificate
$0
3.95% ▲ 1.35% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.35% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 31, 2026
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 4 Year
$0
3.93% ▲ 1.33% above New York avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.33% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 23, 2026 · 3.93% APY · checked 2 times
3.43%3.93%4.43%Oct 23, 2026: 3.93% APYOct 23, 2026Oct 31, 2026
Next Step Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month Certificate Accounts
$0
3.92% ▲ 1.32% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.60%▲ 1.32% above avgNationally 2.81%
Details

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

Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 9 times
3.42%3.92%4.42%Sep 14, 2026: 3.92% APYSep 14, 2026Oct 31, 2026
Next Step Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month Share Certificate
$0
3.92% ▲ 1.32% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.60%▲ 1.32% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 1, 2026 · 3.92% APY · checked 7 times
3.42%3.92%4.42%Oct 1, 2026: 3.92% APYOct 1, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
3.91% ▲ 1.31% above New York avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.31% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 31, 2026

Kingston 60 Month CD Rates

New York 60 Month CD Average2.81% APYNational 2.92%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
5 Year Relationship CD
$1,000
4.00% ▲ 1.19% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.19% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 31, 2026
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
2 Miron Ln, Kingston, NY 12401
5 Year 5-Star CD
$1,000
3.50% ▲ 0.69% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 0.69% above avgNationally 2.92%
Details

$1,000.00 minimum to open account; $1,000.00 minimum to earn APY; may impose penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
60 Month Certificate
$500
3.00% ▲ 0.19% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 0.19% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 12 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 31, 2026
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
1099 Morton Blvd, Kingston, NY 12401
60 Month IRA Certificate
$100
3.00% ▲ 0.19% above New York avg
View
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 0.19% above avgNationally 2.92%
Details

Rates effective 10/1/26

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Oct 31, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
5 Year Online CD
$0
2.75% ▼ 0.06% below New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▼ 0.06% below avgNationally 2.92%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 11 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 31, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
273 Wall St, Kingston, NY 12401
Online CD - 5 Year
$0
2.75% ▼ 0.06% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▼ 0.06% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 20, 2026: 2.75% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
5 Year TD Choice CD
$250
2.00% ▼ 0.81% below New York avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▼ 0.81% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 31, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
411 415 Washington Avenue, Kingston, NY 12401
5 Year TD Choice CD
$250
1.99% ▼ 0.82% below New York avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▼ 0.82% below avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 4 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 31, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
27 Main St, Kingston, NY 12401
5-Year CD
$0
1.89% ▼ 0.92% below New York avg
View
▼
Rate1.87%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▼ 0.92% below avgNationally 2.92%
Details

Rate History
No change since Sep 24, 2026 · 1.89% APY · checked 8 times
1.39%1.89%2.39%Sep 24, 2026: 1.89% APYSep 24, 2026Oct 31, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
1220 Ulster Ave, Kingston, NY 12401
5 Year Certificate of Deposit
$0
1.25% ▼ 1.56% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▼ 1.56% below avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 31, 2026
Rondout Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
300 Broadway, Kingston, NY 12401
60 Month CD
$500
0.75% ▼ 2.06% below New York avg
View
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▼ 2.06% below avgNationally 2.92%
Details

Balance: $500.00 minimum to earn APY

Rate History
No change since Oct 21, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 21, 2026: 0.75% APYOct 21, 2026Oct 31, 2026
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
180 Schwenk Dr, Kingston, NY 12401
CD - 5 year
$500
0.50% ▼ 2.31% below New York avg
View
▼
Rate0.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▼ 2.31% below avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Oct 20, 2026: 0.50% APYOct 20, 2026Oct 31, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Regular IRA And Roth IRA CD
$0
5.25% ▲ 2.44% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.81%▲ 2.44% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 5.25% APY · checked 3 times
4.75%5.25%5.75%Oct 19, 2026: 5.25% APYOct 19, 2026Oct 31, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 60 MONTH TERM ACCOUNT
$0
5.00% ▲ 2.19% above New York avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 2.19% above avgNationally 2.92%
Details

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

Rate History
1 change since Oct 13, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
3.30%4.58%5.85%Oct 13, 2026: 4.15% APYOct 23, 2026: 5.00% APYOct 13, 2026Oct 31, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Oct 13, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 60 Months
$0
5.00% ▲ 2.19% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.81%▲ 2.19% above avgNationally 2.92%
Details

Rate History
No change since Oct 26, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 26, 2026: 5.00% APYOct 26, 2026Oct 31, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Month Term Certificate
$100
4.89% ▲ 2.08% above New York avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 2.08% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 23, 2026 · 4.89% APY · checked 2 times
4.39%4.89%5.39%Oct 23, 2026: 4.89% APYOct 23, 2026Oct 31, 2026
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60 Month Online CD
$500
4.85% ▲ 2.04% above New York avg
View
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 2.04% above avgNationally 2.92%
Details

Online CD

Rate History
No change since Oct 28, 2026 · 4.85% APY · checked 2 times
4.35%4.85%5.35%Oct 28, 2026: 4.85% APYOct 28, 2026Oct 31, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Month Certificate of Deposit
$0
4.80% ▲ 1.99% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.99% above avgNationally 2.92%
Details

FDIC insurance: at least $250,000

Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 31, 2026
  • Oct 22, 20264.80%▲ from 4.40%
  • Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 60 Months
$0
4.80% ▲ 1.99% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.99% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 3 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 31, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 60 Month CD
$0
4.64% ▲ 1.83% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.83% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.64% APY · checked 4 times
4.14%4.64%5.14%Oct 20, 2026: 4.64% APYOct 20, 2026Oct 31, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 60 Month CD
$0
4.64% ▲ 1.83% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.83% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.64% APY · checked 5 times
4.14%4.64%5.14%Oct 14, 2026: 4.64% APYOct 14, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.63% ▲ 1.82% above New York avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.82% above avgNationally 2.92%
Details

$100,000.00 and over

Rate History
No change since Oct 20, 2026 · 4.63% APY · checked 4 times
4.13%4.63%5.13%Oct 20, 2026: 4.63% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.63% ▲ 1.82% above New York avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.82% above avgNationally 2.92%
Details

$100,000.00 and over

Rate History
1 change since Sep 8, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
3.77%4.45%5.13%Sep 8, 2026: 4.27% APYOct 20, 2026: 4.63% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.63%▲ from 4.27%
  • Sep 8, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.58% ▲ 1.77% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.77% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 20, 2026: 4.58% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.58% ▲ 1.77% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.77% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.58%▲ from 4.22%
  • Sep 8, 20264.22%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 5-year
$1,000
4.55% ▲ 1.74% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.81%▲ 1.74% above avgNationally 2.92%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 3 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.42% ▲ 1.61% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.61% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
3.92%4.42%4.92%Oct 20, 2026: 4.42% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.42% ▲ 1.61% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.61% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
3.56%4.24%4.92%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.42% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.42%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40% ▲ 1.59% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.59% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 31, 2026
  • Oct 1, 20264.40%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
60 Month Certificate of Deposit
$1,000
4.40% ▲ 1.59% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.59% above avgNationally 2.92%
Details

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

Rate History
1 change since Sep 25, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 25, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 31, 2026
  • Oct 12, 20264.40%▲ from 4.35%
  • Sep 25, 20264.35%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 5 Year
$0
4.39% ▲ 1.58% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.58% above avgNationally 2.92%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 3 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 31, 2026
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 60 Months
$500
4.33% ▲ 1.52% above New York avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.52% above avgNationally 2.92%
Details

Minimum deposit $500.00; Effective 10/29/2026

Rate History
1 change since Oct 22, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
3.57%4.20%4.83%Oct 22, 2026: 4.07% APYOct 29, 2026: 4.33% APYOct 22, 2026Oct 31, 2026
  • Oct 29, 20264.33%▲ from 4.07%
  • Oct 22, 20264.07%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
5 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.30% ▲ 1.49% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.49% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 31, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 5 years
$1,000
4.30% ▲ 1.49% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.49% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 31, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 5 years
$1,000
4.30% ▲ 1.49% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.49% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 31, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 60 Month
$500
4.30% ▲ 1.49% above New York avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.49% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 31, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 5 Years (60 Months)
$250
4.25% ▲ 1.44% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.81%▲ 1.44% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 31, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5-Year Share Certificate
$1,000
4.25% ▲ 1.44% above New York avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.44% above avgNationally 2.92%
Details

Penalty for early withdrawal: 9 Months Dividends

Rate History
1 change since Sep 14, 2026 · 4.08% → 4.25% ▲ 0.17 pts · high 4.25% / low 4.08%
3.58%4.17%4.75%Sep 14, 2026: 4.08% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 31, 2026
  • Oct 15, 20264.25%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year Certificate
$500
4.22% ▲ 1.41% above New York avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.41% above avgNationally 2.92%
Details

Early withdrawal penalty: 365 days simple interest

Rate History
No change since Oct 5, 2026 · 4.22% APY · checked 5 times
3.72%4.22%4.72%Oct 5, 2026: 4.22% APYOct 5, 2026Oct 31, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 60 Month
$500
4.20% ▲ 1.39% above New York avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.39% above avgNationally 2.92%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 15, 2026: 4.20% APYOct 15, 2026Oct 31, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Business Certificate Account
$0
4.15% ▲ 1.34% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.34% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 10 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 31, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Certificate
$50
4.15% ▲ 1.34% above New York avg
View
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.34% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month IRA Certificate
$50
4.15% ▲ 1.34% above New York avg
View
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.34% above avgNationally 2.92%
Details

APY as of 10/19/2026

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 31, 2026
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
60 Month CD
$1,000
4.13% ▲ 1.32% above New York avg
View
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.32% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Oct 22, 2026: 4.13% APYOct 22, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.11% ▲ 1.30% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.30% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.11% APY · checked 4 times
3.61%4.11%4.61%Oct 20, 2026: 4.11% APYOct 20, 2026Oct 31, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.11% ▲ 1.30% above New York avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.30% above avgNationally 2.92%
Details

Rate History
1 change since Sep 8, 2026 · 3.75% → 4.11% ▲ 0.36 pts · high 4.11% / low 3.75%
3.25%3.93%4.61%Sep 8, 2026: 3.75% APYOct 20, 2026: 4.11% APYSep 8, 2026Oct 31, 2026
  • Oct 20, 20264.11%▲ from 3.75%
  • Sep 8, 20263.75%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 60 Month Jumbo
$0
4.11% ▲ 1.30% above New York avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.30% above avgNationally 2.92%
Details

Jumbo Certificate Minimum Balance: $100,000

Rate History
No change since Oct 23, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Oct 23, 2026: 4.11% APYOct 23, 2026Oct 31, 2026
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
Jumbo Certificate - 5 Year
$0
4.10% ▲ 1.29% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.29% above avgNationally 2.92%
Details

Jumbo certificate, Minimum Balance: $50,000; Certificate Rates effective 9/1/2026

Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 26, 2026: 4.10% APYOct 26, 2026Oct 31, 2026
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Account 60-Month
$500
4.10% ▲ 1.29% above New York avg
View
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.81%▲ 1.29% above avgNationally 2.92%
Details

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

Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 31, 2026
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Term Share Account - 60 Months
$500
4.07% ▲ 1.26% above New York avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.26% above avgNationally 2.92%
Details

IRA Term Share Accounts

Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Oct 9, 2026: 4.07% APYOct 9, 2026Oct 31, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Kingston, New York Institutions

Highest verified APYs available today, updated October 31, 2026

B Top 5 Bank Rates
Rhinebeck Bank
2-Year CD - Promo
A+ 5.0 ★ TX: 2.51%
Min: $0
4.40%
TD Bank
24 Month TD Choice CD
A+ 5.0 ★ TX: 3.71%
Min: $250
4.30%
TrustCo Bank
12 - 18 Month CD
A+ 5.0 ★ TX: 4.14%
Min: $0
4.25%
Ulster Savings Bank
CD - 24 month
A 5.0 ★ TX: 12.93%
Min: $500
4.25%
Bank of Greene County
5 Year Relationship CD
A+ 5.0 ★ TX: 1.35%
Min: $1,000
4.00%
CU Top 5 Credit Union Rates
Mid-Hudson Valley Federal Credit Union
24 Month Certificate
A+ 5.0 ★ TX: 2.32%
Min: $500
3.75%
Ulster Federal Credit Union
Share and IRA Certificates - 36 Months
A+ 5.0 ★ TX: 1.80%
Min: $0
2.50%
Cornerstone Community Federal Credit Union
6 Month Youth Share Certificate
B+ 4.8 ★ TX: 17.18%
Min: $0
6.00%
Italo American Credit Union
5 Year Regular IRA And Roth IRA CD
A+ 5.0 ★ TX: 0.00%
Min: $0
5.25%
Usalliance Credit Union
18 Month Certificate
A 5.0 ★ TX: 8.11%
Min: $0
5.05%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Kingston, NY CD Rate Trends

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

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

View Full New York CD Trends
12-Month CD NY Avg
3.044%
▼ 0.004 vs 7 days ago

New York 12-month CD rates fell 0.004 points over the past 7 days to 3.044% APY.

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

New York 6-month CD rates currently average 2.825% APY based on data from institutions in our monitoring network.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

NY CD Rate Forecast, Next 12 Months

Where are New York CD rates headed through October 2027?

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

NY 12-Month Avg APY
3.044%
6-Month Forecast
3.044%
Range: 2.84%, 3.19%
12-Month Forecast
3.294%
Range: 3.09%, 3.44%

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

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

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

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

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What Your Savings Earn at NY CD Rates Today

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

CD Term NY Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.080% $104.01 $208.01 $520.03 $1,040.05
6-Month CD 2.825% $141.23 $282.46 $706.15 $1,412.30
12-Month CD 3.044% $152.21 $304.42 $761.05 $1,522.10
18-Month CD 2.949% $147.44 $294.87 $737.18 $1,474.35
24-Month CD 2.900% $145.01 $290.01 $725.03 $1,450.05
36-Month CD 2.702% $135.12 $270.24 $675.60 $1,351.20
48-Month CD 2.596% $129.80 $259.59 $648.98 $1,297.95
60-Month CD 2.813% $140.64 $281.27 $703.18 $1,406.35
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026.
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Sample CD Ladder for Kingston, New York Savers

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

Build Your Ladder
Rung Term Deposit NY Avg APY Annual Earnings
1 3-Month CD $5,000 2.080% $104.01
2 6-Month CD $5,000 2.825% $141.23
3 12-Month CD $5,000 3.044% $152.21
4 24-Month CD $5,000 2.900% $145.01
5 36-Month CD $5,000 2.702% $135.12
Total ($25,000 invested) $25,000 2.710% blended $677.58/yr

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

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2,594
CD Rates
Tracked in Kingston, New York
67 Banks 94 Credit Unions

About Our Kingston, New York CD Rate Database

MonitorBankRates tracks 2,594 CD rates from 67 banks and 94 credit unions with locations in Kingston, New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Rhinebeck Bank offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Kingston, New York.

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

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

To find the best APYs in Kingston, New York, start with credit unions and online-only banks: Kingston, New York has 94 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 Kingston, 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 Kingston, New York: 161 institutions here report CD rates

Consider an Alternative If…

Kingston, New York Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
16.9%
National avg: 17.3%
Median Individual Earnings
$41,537
National avg: $47,340
Poverty Rate
17.6%
National avg: 11.1%
Unemployment Rate
5.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$126/yr
At NY 12-mo avg 3.044% APY

16.9% of residents are 65 or older, below the national average of 17.3%. At today’s NY 12-month CD average of 3.044%, saving 10% of the local median salary ($4,153/year) and putting it in a CD would earn an additional $126 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 Kingston, New York

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

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

CD Product Information

How CDs Work

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 Kingston, 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 Kingston, New York as everywhere in the U.S.

CD Terms

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Kingston, New York savers easier access to their funds. For example, TrustCo Bank is offering its 6 Months CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Bank of Greene County is offering its 5 Year Relationship CD at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety

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 Kingston, 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

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 Kingston, 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

Most CDs carry a fixed rate that is locked for the entire term, protecting a Kingston, 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 Kingston, New York

What are CD rates in Kingston, New York today?

Kingston, New York CD rates range from 0.05% to 6.00% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.40% APY at Rhinebeck Bank (2-Year CD - Promo), 4.30% at TD Bank (24 Month TD Choice CD) and 4.25% at TrustCo Bank (12 - 18 Month CD), compared with the MonitorBankRates national 12 month average of 3.01% APY.

Are CD rates in Kingston, New York FDIC insured?

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

Here are recent top rates found for this area:
  • Rhinebeck Bank: 4.40% APY (2-Year CD - Promo)
  • TD Bank: 4.30% APY (24 Month TD Choice CD)
  • TrustCo Bank: 4.25% APY (12 - 18 Month CD)
  • Ulster Savings Bank: 4.25% APY (CD - 24 month)
  • Bank of Greene County: 4.00% APY (5 Year Relationship CD)
  • M&T Bank: 3.85% APY (18 Month Select Certificate of Deposit)
  • Mid-Hudson Valley Federal Credit Union: 3.75% APY (24 Month Certificate)
  • Citizens Access: 3.25% APY (1 Year Online CD)
  • Ulster Federal Credit Union: 2.50% APY (Share and IRA Certificates - 36 Months)
  • Wells Fargo: 1.51% APY (1 Year Standard Fixed Rate CD - Relationship)
Rates reflect recent verified offers available in Kingston, New York. Last Updated: October 31, 2026

Kingston, 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 Kingston, New York rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

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

Top Kingston, New York CD Rates by Term

Verified October 31, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Kingston, New York. Averages shown use the New York state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Kingston, New York

Kingston, New York CD Calculator

At today’s NY top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.

Kingston, New York CD Ladder

NY CD rates currently range from 2.080% (3-month) to 2.702% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Kingston, New York CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

New York’s average 12-month CD is 3.044% 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 Kingston, 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 Kingston, 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 Kingston, New York. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.

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

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026

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