CD Rates Milton, New York (NY) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Milton, New York CD rates include Ballston Spa National BankBallston Spa National Bank344 Rowland Street, Milton, NY 12020A+5.0 ★Texas Ratio: 2.61%Real return: +0.80%APY minus CPI (February 2026) offering 6 Month CD/IRA at 3.60% APY, Italo American Credit UnionItalo American Credit UnionA+5.0 ★Texas Ratio: 2.78%Real return: +2.45%APY minus CPI (February 2026) offering Regular IRA And Roth IRA 5 years at 5.25% APY, Municipal Credit UnionMunicipal Credit UnionA5.0 ★Texas Ratio: 8.05%Real return: +1.53%APY minus CPI (February 2026) offering 12 Month Share Certificate K New Money at 4.33% APY, CFCU Community Credit UnionCFCU Community Credit UnionA+5.0 ★Texas Ratio: 4.92%Real return: +1.45%APY minus CPI (February 2026) offering 18-month IRA Certificate at 4.25% APY, and UGEFCUUGEFCUA+5.0 ★Real return: +1.35%APY minus CPI (February 2026) offering 6 Months Share Certificates at 4.15% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Milton has 1 local institution in our database, with CD rates as high as 3.60% APY from Ballston Spa National Bank at 344 Rowland Street, Milton, NY 12020. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New York area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 20, 2026
Compare Best CD Rates in Milton, New York & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3 months up to 6 Certificates of Deposit (CD) April 1, 2026
$10,000
4.00%
▼
Rate3.94%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
(Apply Online)
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
3 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 3 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
3 Month Certificate of Deposit - Branch
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
WooriWON 3-month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Online Only
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
APY (Annual Percentage Yield) based on balances of $2,000 or more
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3-Month CD Special
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Month Star Relationship CD
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 90 Day
$250
3.25%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
3 month Share Certificates & IRAs
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
3-month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 MONTHS certificate of deposits
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Months Certificate of Deposit
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Online
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
3 month Share Certificates
$1,000
2.88%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty May Apply
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 3-month
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
IRA Term Share Certificates 3 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
3 month Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Month Certificate of Deposit
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
3 Month CD
$500
1.90%
▼
Rate1.88%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
3-Month Term/IRA Term
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
3 Month Member Certificates
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 3 Months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
Certificate of Deposit (CD) 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.22%
Investment Share and IRA Certificates 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
3 Month Business Certificate Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.62%
3 Month Certificates
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Month
$100,000
0.90%
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 3 months
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
3-Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
IRA Certificate 3 Months
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,000.00 minimum balance to earn dividends
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rockland Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.98%
3 months Term IRA & CD
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ballston Spa National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
344 Rowland Street, Milton, NY 12020
6 Month CD/IRA
$10,000
3.60%
▼
Rate3.57%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Limited Time
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
IRA Certificate 6 Months
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,000.00 minimum balance to earn dividends
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Months Certificates of Deposit
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Cds 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
6 months up to 1 year Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
(Apply Online)
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
6 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Months Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 180 Day
$250
3.95%
▼
Rate3.87%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 6 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 6 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6-month Term Share Certificate & IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
6 months Certificates of Deposits
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6 Month Jumbo CD with Active Account
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
6 Month Certificate of Deposit - Branch
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
6 months Certificates
$250
3.65%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
6 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificate Accounts
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 MONTHS certificate of deposits
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 6 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Health Savings Certificate
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Months Share Certificates and IRA CDs
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
6-month Share Certificate and IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
NEW CD Special: 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6-Month CD Special
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
6 months Certificate of Deposit
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
6 months Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
6-Month Certificate of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
6 Months Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
6 Month Star Relationship CD
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 6 Months
$0
3.43%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Regular IRA And Roth IRA 1 year
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
12 Month Share Certificate K New Money
$5,000
4.33%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
$5
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Months Certificates of Deposit
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
1 year up to 2 Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
(Apply Online)
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
12 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 12 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 1 Year
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Months Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Certificate (IRA Only)
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12-month share certificate
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
12 Month CD and IRA
$0
3.90%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 Month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Limited time offer. Only available in our branches.
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 1 Year
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
12 Month Certificate Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
12 months Certificate of Deposit
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12-Mo. Jumbo Promo. Cert.
$100,000
3.70%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 min.; Additional terms available.; Offer ends April 20, 2026.
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 12 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
12 Months Certificates of Deposit (CDs)
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 12 Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
Remington Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificate of Deposit 12 months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 83 / 12 Month - Int. Monthly
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 12 months
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $50,000
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12-Month Flex Certificate Accounts & IRA Certificate Accounts
$750
3.64%
▼
Rate3.57%
Min Deposit$750
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Reliant Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12-Month Investor and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificates of Deposit 1 year
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 MONTHS certificate of deposits
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
1-year Share Certificate and IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Oswego County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
12 Months Share Certificates
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
IRA Certificates 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded Quarterly
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 Months IRA Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tri State Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
12 Month Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Health Savings Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 12 months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 12 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
12 Month Jumbo Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000.00 Minimum to Open - $500,000.00 Maximum; Dividend Paid Monthly
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
1 Year Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
12 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CFCU Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
18-month IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Now through April 15, earn up to 4.25% APY with our 18-month IRA Certificate.
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Months Certificates of Deposit
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
18-Month Share Certificate Special
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month CD for New Member
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$10,000 max
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
18 Months Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Online
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-month IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Health Savings Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
18 Month Variable Rate IRA
$100
3.72%
▼
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 18 months
$50,000
3.55%
▼
Rate3.49%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $50,000
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
18 months Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18-Mo. Jumbo Promo. Certificate
$100,000
3.50%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Offer ends April 20, 2026.
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
18 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
18 Months Certificates of Deposit (CDs)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
18 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 18 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
18 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
18 Month CD and IRA
$0
3.35%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
18-Month IRA Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Earn up to 3.30% APY*
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 18-month
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
18 Month Term Share (Certificate)
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Months Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
18 Month Jumbo Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
18 months Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Month Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Sawyer Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.52%
18 Month Certificates of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
18 Months Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,000.00 minimum balance to earn dividends
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
18 Month Business Term Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
18 Month Bump Up Share Certificate
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SPECIAL Share Certificate Rates
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 month Share Certificates
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty May Apply
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
IRA Share Certificate Accounts 18 Month
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
4-Month Penalty for Early Withdrawal
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
18-MONTH TERM ACCOUNT
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum balance to open and earn 2.85% APY (2.81% dividend rate): $100,000
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
18 Month Star Relationship CD
$500
2.76%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
18-month Share Certificate
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
18-Month CD
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
18 Month Member Certificates
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Regular IRA And Roth IRA 2 year
$0
4.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 1 1/2 Years
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
24 Months Certificates of Deposit
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
2 years up to 3 Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
(Apply Online)
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
24 Months Certificate of Deposit
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Online
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
24 months Certificate of Deposit
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2-year IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
24 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Month Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 2 Years
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
2-YEAR TREASURY INDEXED CD
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TOP THE TREASURY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 24 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
2 Year IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
24-month IRA Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
IRA Sapling (24 months)
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 24 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
24 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Kaleida Health Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.49%
Certificates of Deposit 2 year
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
24 Month SPECIAL Share Certificate
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
24-Month Certificate Account
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
2 Years Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Health Savings Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 24 months
$50,000
3.45%
▼
Rate3.40%
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $50,000
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 24 months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
24 Month Share Certificates
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 24 Month
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
24 Months Share Certificate
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
24 Month CD and IRA
$0
3.40%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2-Year Term CD
$100,000
3.37%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
IRA Certificates 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded Quarterly
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
24 Month Jumbo Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 2 Year Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 MONTHS certificate of deposits
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Stewarts Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24-Month Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24 Months Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
24 Month CD
$1,000
3.23%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
24 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3 years up to 4 Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
(Apply Online)
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 Months Certificates of Deposit
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
36 months Certificate of Deposit
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
36-month IRA Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ed-Med Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
36 MONTH SHARE CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 3 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 36 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
IRA Certificates 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36-Month Certificate Account
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
3 Year IRA Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-year IRA TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
36 Months Certificate of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Online
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
36 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
36 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Months Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
3 years Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 36 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
36 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
36 Months Share Certificate
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 86 / 36 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
36 Month CD and IRA
$0
3.45%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3-Year Term
$100,000
3.42%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
36 Mo IRA Cert
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Months IRA Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
36 Months Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
36 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
36 Month CD
$1,000
3.18%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 36 Month
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
36-MONTH TERM ACCOUNT
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum balance to open and earn 3.10% APY (3.06% dividend rate): $100,000
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
3-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
IRA Certificates 36 Month
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Compounded Quarterly
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
36 Month Term Share (Certificate)
$2,500
3.03%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Remington Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
Certificate of Deposit 36 months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
36 Months Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
48 months Certificate of Deposit
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
4 years up to 5 Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
(Apply Online)
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 4 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
4 Year IRA Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
48 Month Certificate of Deposit - Branch
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48-Month Certificate Account
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 48 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Months Certificate of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Online
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
48 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Months Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
48 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
48-MONTH TERM ACCOUNT
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum balance to open and earn 3.35% APY (3.30% dividend rate): $100,000
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 month Share Certificates
$1,000
3.24%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty May Apply
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
48 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
48 Month CD
$1,000
3.08%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Month Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 48 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
48 Months Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
48 Months (Four Years) Share Certificates
$0
2.87%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
48 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Western Division Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Savings & IRA 48 Months
$250
2.78%
▼
Rate2.75%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.09%
IRA Share Certificate Accounts 4 Year
$0
2.78%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
9-Month Penalty for Early Withdrawal
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
48 Months Certificates of Deposit (CDs)
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
48 Month Certificates and IRA
$500
2.69%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
48 Month Member Certificates
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Bonus Certificate 48 months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
48 Month Share Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
IRA Certificate 48 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,000.00 minimum balance to earn dividends
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
4 Year Star Relationship CD
$500
2.50%
▼
Rate2.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Regular IRA And Roth IRA 5 years
$0
5.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
60 months Certificate of Deposit
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
5 years Certificates of Deposit (CD) April 1, 2026
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
(Apply Online)
Morgan Stanley E-Trade
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
60 Months Certificates of Deposit
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificates of Deposit 5 Years
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
60 Months (Five Years) Share Certificates
$0
3.71%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5 Year IRA Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60-Month Certificate Account
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
IRA Certificates 60 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60 Months Share Certificate
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
60-MONTH TERM ACCOUNT
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Minimum balance to open and earn 3.60% APY (3.54% dividend rate):$100,000
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 60 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Traditional IRA 60 Month CD and IRA
$0
3.50%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
60 Months Certificate of Deposit
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Online
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
60 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
5 years Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty May Apply
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
60 Month CD
$1,000
3.23%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and above
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
60 Month CD
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
60 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
60 Months Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Month Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 60 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Haverhill Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Term Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
60 Months Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
60 Month Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Bonus Certificate 60 months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
60 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 60 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Milton, NY CD Rate Trends
Compare local Milton, NY CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NY Avg
2.269%
▼ 0.136 vs 7 days ago
New York 12-month CD rates fell 0.136 points over the past 7 days to 2.269% APY.
6-Month CD — NY Avg
2.146%
▼ 0.267 vs 7 days ago
New York 6-month CD rates fell 0.267 points over the past 7 days to 2.146% APY.
As of Apr 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NY CD Rate Forecast — Next 12 Months
Where are New York CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.269%
6-Month Forecast
2.269%
Range: 2.07% – 2.42%
12-Month Forecast
2.019%
Range: 1.82% – 2.17%
Powered by
MonitorBankRates
What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.803% | $90.17 | $180.33 | $450.83 | $901.65 |
| 6-Month CD | 2.146% | $107.32 | $214.63 | $536.58 | $1,073.15 |
| 12-Month CD | 2.269% | $113.46 | $226.92 | $567.30 | $1,134.60 |
| 18-Month CD | 2.212% | $110.58 | $221.16 | $552.90 | $1,105.80 |
| 24-Month CD | 2.232% | $111.59 | $223.18 | $557.95 | $1,115.90 |
| 36-Month CD | 1.919% | $95.95 | $191.90 | $479.75 | $959.50 |
| 48-Month CD | 2.175% | $108.77 | $217.54 | $543.85 | $1,087.70 |
| 60-Month CD | 2.151% | $107.55 | $215.09 | $537.73 | $1,075.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026. | |||||
Sample CD Ladder for Milton, New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.803% | $90.17 |
| 2 | 6-Month CD | $5,000 | 2.146% | $107.32 |
| 3 | 12-Month CD | $5,000 | 2.269% | $113.46 |
| 4 | 24-Month CD | $5,000 | 2.232% | $111.59 |
| 5 | 36-Month CD | $5,000 | 1.919% | $95.95 |
| Total ($25,000 invested) | $25,000 | 2.074% blended | $518.49/yr | |
Ladder example uses equal $5,000 rungs and New York average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
171
Institutions
in Milton, New York
in Milton, New York
71 Banks
100 Credit Unions
About Our Milton, New York CD Rate Database
MonitorBankRates tracks CD rates from 71 banks and 100 credit unions with locations in Milton, New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Ballston Spa National Bank offers a CD at 3.60% APY with a minimum deposit of $10,000. Use the rate table above to compare all current offers in Milton, New York.
How to Find the Best CD Rates in Milton, New York
What to compare when shopping for a CD in Milton, New York
To find the best APYs in Milton, New York, start with credit unions and online-only banks — Milton, New York has 100 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Milton, 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 Milton, New York — 171 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Milton, New York savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Milton, New York money market rates
New York Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$50,891
National avg: $47,340
Poverty Rate
14.0%
National avg: 11.1%
Unemployment Rate
6.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At NY 12-mo avg 2.269% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 2.269%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $115 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Milton, New York
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Milton, New York
Are CD rates in Milton, New York FDIC insured?
Yes, most established banks in Milton, 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 Milton, 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 Milton, 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 Milton, 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 Milton, New York?
Here are recent top rates found for this area:
- Ballston Spa National Bank: 3.60% APY (6 Month CD/IRA)
- Italo American Credit Union: 5.25% APY (Regular IRA And Roth IRA 5 years)
- Municipal Credit Union: 4.33% APY (12 Month Share Certificate K New Money)
- CFCU Community Credit Union: 4.25% APY (18-month IRA Certificate)
- UGEFCU: 4.15% APY (6 Months Share Certificates)
- Maspeth Federal S&L: 4.15% APY (6 Month CD and IRA)
- Newtek Bank: 4.10% APY (6 Month CD)
- Morgan Stanley E-Trade: 4.10% APY (12 Months Certificates of Deposit)
- First Source Federal Credit Union: 4.05% APY (IRA Certificate 6 Months)
- SJP Federal Credit Union: 4.05% APY (60 months Certificate of Deposit)
Rates reflect recent verified offers available in Milton, New York. Last Updated: April 20, 2026
CD Calculators for Milton, New York
Milton, New York CD Calculator
At today’s NY top rate of 3.60% APY, a $10,000 deposit earns $360 in the first year. Enter your amount to see your exact return.
Milton, New York CD LadderNY CD rates currently range from 1.803% (3-month) to 1.919% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Milton, New York CD at 3.60% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew York’s average 12-month CD is 2.269% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Milton, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Milton, New York. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 20, 2026
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