New York, New York CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current New York, New York CD rates include Generations United Federal Credit UnionGenerations United Federal Credit Union420 Lexington Ave Rm 850, New York, NY 10170 0033A+5.0 ★Texas Ratio: 0.06%Real return: +1.54%APY minus CPI (February 2026) offering 24-month Long-Term Certificates at 4.34% APY, Municipal Credit UnionMunicipal Credit Union86 Chambers St, New York, NY 10007 1825A5.0 ★Texas Ratio: 7.30%Real return: +1.27%APY minus CPI (February 2026) offering 12 Month Share Certificate K New Money at 4.07% APY, New York University Federal Credit UnionNew York University Federal Credit Union726 Broadway Ste 110, New York, NY 10003 9616A+5.0 ★Texas Ratio: 3.17%Real return: +1.26%APY minus CPI (February 2026) offering 12 months Share Certificate at 4.06% APY, Self Reliance NY Federal Credit UnionSelf Reliance NY Federal Credit Union108 2nd Ave, New York, NY 10003 8302A+5.0 ★Texas Ratio: 2.08%Real return: +1.22%APY minus CPI (February 2026) offering 6 Months Certificate at 4.02% APY, and Justice Federal Credit UnionJustice Federal Credit Union290 Broadway Fl 10, New York, NY 10007 1823A5.0 ★Texas Ratio: 8.56%Real return: +1.20%APY minus CPI (February 2026) offering Traditional IRA and Roth IRA Certificate 36 month at 4.00% APY. CD rates as of June 1, 2026 according to verified data from MonitorBankRates.
New York has 262 local institutions in our database, with CD rates as high as 4.34% APY from Generations United Federal Credit Union at 420 Lexington Ave Rm 850, New York, NY 10170 0033. 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: June 1, 2026
Compare Best CD Rates in New York, New York & the Surrounding Area
New York 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
420 Lexington Ave, New York, NY 10170
Private 3-Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
3-month
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Certificates of Deposit 3 Month Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
3-Month CD
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
3 Month CD
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
90 Day Certificates of Deposit & IRA CDs
$250
3.25%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
3-month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 3-month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
3 month Share Certificates
$1,000
2.88%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
3-month GU Certificates
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedMay 23, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
3-Month
$1,000
2.75%
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
3 Months Certificate
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity.
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
230 Park Ave, New York, NY 10169
90-day fixed-rate CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
3 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 3 Months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
3-Month
$0
1.50%
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2521 Broadway, New York, NY 10025
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
3 Month Business Certificate Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
3 Month IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Investment Share and IRA Certificates 3 Months
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
3 Month Certificate
$10,000
0.90%
▼
Rate0.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
3 Month IRA Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
3 Months Certificates / IRA Certificates
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 31.38%
Share Certificate - 3 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
3 Month Certificate
$50
4.00%
▼
Rate3.92%
Min Deposit$50
Min Balance—
UpdatedMay 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
3 Month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum balance of $50 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
3 Month Certificate of Deposit - Branch
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
3 Month Certificates of Deposit
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
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—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3 month Share Certificates & IRAs
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
3 month Share Certificates and IRAs
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
90 Days Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 8.67%
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Certificates over $50,000: Add 10 basis points (0.10%) [includes Trad, Education & Roth IRA]
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
3 Month Plus Certificates with minimum to open and earn APY
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Funding Limit: $12M
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
3 Month Certificate of Deposit (CD)
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Early Withdrawal Penalties May Apply
New York 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
6 Months Certificate
$500
4.02%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity.
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
6-month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
6 Month CD
$5,000
3.85%
▼
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
6 months Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Certificates of Deposit 6 Month Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
180 Day (6 months) Certificates of Deposit & IRA CDs
$250
3.67%
▼
Rate3.60%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
6 Month CD
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money 6 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY 10036 2508
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
6-Month CD
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
6-Month Fixed Rate CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
Wealth Center/Telephone Deposit 6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
Online 6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
86 Chambers St, New York, NY 10007 1825
6-month IRA Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Terms and conditions apply. See our Truth in Savings disclosure Opens PDF for more details. Multiple accounts are only allowed for Share Certificates. All other deposit accounts are limited to one of each type.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
6 Month Cert.
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Investment Share and IRA Certificates 6 Months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
470 Park Ave S, New York, NY 10016
6 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
6 month Share Certificates
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 6 month
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 6 month
$500
3.05%
▼
Rate3.02%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
6-Month
$1,000
3.00%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
6 Months Certificates / IRA Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
6-month GU Certificates
$100
2.94%
▼
Rate2.90%
Min Deposit$100
Min Balance—
UpdatedMay 23, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 6-month
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
6-month Share Certificate
$0
2.75%
▼
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
55 Water St, NEW YORK, NY 10041 0004
6 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 6 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
6 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
6-Month
$0
1.50%
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
6 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
6 Month Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
6 Month IRA Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2521 Broadway, New York, NY 10025
6 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
6 Month Certificate
$10,000
1.00%
▼
Rate1.00%
Min Deposit$10,000
Min Balance—
UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
6 Month IRA Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
Regular CD 180 Days
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
6 Months Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$1,000.00 minimum balance to earn dividends
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
Business Term Share Certificates 6 Month
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$1,000.00 minimum balance to earn dividends
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
IRA Certificate 6 Months
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
$1,000.00 minimum balance to earn dividends
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
6 Month Certificate
$50
4.00%
▼
Rate3.92%
Min Deposit$50
Min Balance—
UpdatedMay 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
6 Month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum balance of $50 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
Certificate of Deposit (CD) 4/1/2026 6 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
New York 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
86 Chambers St, New York, NY 10007 1825
12 Month Share Certificate K New Money
$5,000
4.07%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 23, 2026
Details
$5
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
86 Chambers St, New York, NY 10007 1825
Share Certificate 12-Month-Bonus Rate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
12 months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Certificates of Deposit 12 Month Certificate
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Millennium Club Account 1 Year Term
$1,000
4.00%
▼
Rate3.92%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
470 Park Ave S, New York, NY 10016
12 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
12-month
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
1 Year (12 months) Certificates of Deposit & IRA CDs
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money 12 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
Online 12 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
Wealth Center/Telephone Deposit 12 Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
12 month term Share Certificate
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
86 Chambers St, New York, NY 10007 1825
12-month IRA Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Terms and conditions apply. See our Truth in Savings disclosure Opens PDF for more details. Multiple accounts are only allowed for Share Certificates. All other deposit accounts are limited to one of each type.
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
1 Year Certificate
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
12 Mo Share Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
12 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
12 Months IRA Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
1-year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
1 YEAR CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
12-Month Fixed Rate CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
12 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 12 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 12 month
$500
3.21%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Comerica
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
230 Park Ave, New York, NY 10169
12-month fixed-rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
12-month GU Certificates
$100
3.20%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedMay 23, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 12 Months
$0
3.05%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
12 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
1-Year
$1,000
3.00%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
55 Water St, NEW YORK, NY 10041 0004
1 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Investment Share and IRA Certificates 12 Months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
12-month Share Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 12-month: Impact
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 12-month: Standard
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
12 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
1-Year
$0
1.50%
▼
Rate1.48%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
1 Year Jumbo Certificate
$100,000
1.26%
▼
Rate1.25%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
1 Year Jumbo IRA Certificate
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
12 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
12 Month Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
12 Month IRA Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
1 Year Certificate
$5,000
1.10%
▼
Rate1.10%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
1 Year IRA Certificate
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2521 Broadway, New York, NY 10025
12 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
Regular CD 12 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
12 Month Certificate
$50
4.00%
▼
Rate3.92%
Min Deposit$50
Min Balance—
UpdatedMay 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
12 Month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Minimum balance of $50 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
New York 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
18-month
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
1 1/2 Years (18 Months) Certificates of Deposit & IRA CDs
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
470 Park Ave S, New York, NY 10016
18 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
OceanFirst Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
655 3rd Ave Fl 9, New York, NY 10017
18 Month CD
$5,000
3.60%
▼
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Certificates of Deposit 18 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
18-month GU Certificates
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 23, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
86 Chambers St, New York, NY 10007 1825
18-month IRA Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Earn up to 3.30% APY* when you open up an 18-month IRA Share Certificate.
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
18 month Share Certificates
$1,000
3.03%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
18 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
55 Water St, NEW YORK, NY 10041 0004
18 Month
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
18-month Share Certificate
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 18-month
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
18-Month
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
18 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
18 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
18 Month Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
18 Month IRA Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
18-Month
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2521 Broadway, New York, NY 10025
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
$250.00 - $9,999.99; Relationship APY
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
IRA 18 month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
18 Month CD for New Member
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
$10,000 max
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
18-Month Share Certificate Special
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 28, 2026
Details
APY (Annual Percentage Yield) based on balances of $2,000 or more
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
18 Months
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
In-Branch
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
18-month IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
18-month Roth IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
18-month Term Share Certificate & IRA
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.28%
18 Month IRA Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
18 Month Variable Rate IRA
$100
3.73%
▼
Rate3.66%
Min Deposit$100
Min Balance—
UpdatedMay 28, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 28, 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—
UpdatedMay 28, 2026
Details
Minimum $50,000
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 21, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
18 months Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
18 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
Certificates of Deposit (CDs) 18 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
IRA Certificates of Deposit 18 Months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 21, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
18 Month Certificate of Deposit - Branch
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
Share Certificates 18 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
18 months Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
18 months Certificates
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
HSA Certificates 18 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
IRA 18 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
New York 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
24-month Long-Term Certificates
$50,000
4.34%
▼
Rate4.25%
Min Deposit$50,000
Min Balance—
UpdatedMay 23, 2026
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
24 months Share Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
2-year
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money 24 Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
Online 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
Wealth Center/Telephone Deposit 24 Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
1646 1st Ave, New York, NY 10028
2-YEAR TREASURY INDEXED CD
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Open this convenient, risk-free, variable yield account with no cap today!
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
2 Years Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
24 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
24 Mo Share Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
24 month term Share Certificate
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
86 Chambers St, New York, NY 10007 1825
24-month IRA Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Terms and conditions apply. See our Truth in Savings disclosure Opens PDF for more details. Multiple accounts are only allowed for Share Certificates. All other deposit accounts are limited to one of each type.
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
86 Chambers St, New York, NY 10007 1825
Share Certificate 24-Month
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
24 Months Certificates / IRA Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
470 Park Ave S, New York, NY 10016
24 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
2 Years (24 Months) Certificates of Deposit & IRA CDs
$250
3.50%
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
2-year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 24 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
24-Month Fixed Rate CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Certificates of Deposit 2 Year Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
24 month Share Certificates
$1,000
3.08%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
24 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
55 Water St, NEW YORK, NY 10041 0004
2 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
2-Year
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Investment Share and IRA Certificates 24 Months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
24-month Share Certificate
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 24-month: Standard and Simple Saver
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Millennium Club Account 2 Years Term
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
24 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
2 Year Certificate
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
2 Year IRA Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
24 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
24 Month Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
24 Month IRA Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
2-Year
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2521 Broadway, New York, NY 10025
24 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
$250.00 - $9,999.99; Relationship APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
Regular CD 24 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
24 Months
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
In-Branch
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
ROTH IRA Share Certificates 64 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
24 months Certificate of Deposit
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
Share & IRA Certificates 24 months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
24 Month Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.48%
IRA Certificates 24 Month
$100
3.75%
▼
Rate3.68%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
New York 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.30%
86 Chambers St, New York, NY 10007 1825
36-month IRA Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Terms and conditions apply. See our Truth in Savings disclosure Opens PDF for more details. Multiple accounts are only allowed for Share Certificates. All other deposit accounts are limited to one of each type.
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
3-year
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
New York University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
726 Broadway Ste 110, New York, NY 10003 9616
36 months Share Certificate
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
3 Years Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
470 Park Ave S, New York, NY 10016
36 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
3-year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
3 Years (36 Months) Certificates of Deposit & IRA CDs
$250
3.50%
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
36 month term Share Certificate
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
36 Mo Share Cert
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
36 Mo IRA Cert
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 36 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
36 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
36 Months IRA Share Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
36-Month CD
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
36-Month Fixed Rate CD
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
36 month Share Certificates
$1,000
3.19%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
36 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
55 Water St, NEW YORK, NY 10041 0004
3 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
3-Year
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
36-month Share Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 36-month
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Millennium Club Account 3 Years Term
$1,000
2.00%
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Certificates of Deposit 3 Year Certificate
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
36 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
3 Year Certificate
$2,500
1.61%
▼
Rate1.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
3 Year IRA Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
36 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
36 Month Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
36 Month IRA Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
3-Year
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2521 Broadway, New York, NY 10025
3 Year
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
Regular CD 36 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
36 months Certificate of Deposit
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Ed-Med Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.14%
36 MONTH SHARE CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
36 Month Term Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Term Share Certificates 36 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Term Share Certificates 36 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
IRA Certificates 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36-Month Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36-Month Certificate Accounts & IRA Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
Share Certificates 36 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.75%
36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
3-Year Term
$100,000
3.52%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
New York 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
4-year
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
470 Park Ave S, New York, NY 10016
48 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
4-year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
4 Years (48 Months) Certificates of Deposit & IRA CDs
$250
3.50%
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
48 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
48 month Share Certificates
$1,000
3.24%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
48 month term Share Certificate
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
48 Mo Share Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
48 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
55 Water St, NEW YORK, NY 10041 0004
4 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
48-month Share Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 48-month
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Certificates of Deposit 4 Year Certificate
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
48 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
4 Year Certificate
$2,500
1.71%
▼
Rate1.70%
Min Deposit$2,500
Min Balance—
UpdatedMay 22, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1211 Avenue of the Americas Fl 18, New York, NY 10036
4 Year IRA Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
48 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
48 Month Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
48 Month IRA Certificate
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
Regular CD 48 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
48 months Certificate of Deposit
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
48 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Term Share Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Term Share Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4 Year Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4 Year IRA Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4 Year Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Credit Quarterly
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
4 Year Share Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Credit Quarterly
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
48 Month Certificate of Deposit - Branch
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-Month Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48-Month Certificate Accounts & IRA Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit 48 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
In-Branch
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
48 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
ROTH IRA Share Certificates 67 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
48 Month Plus Certificates with minimum to open and earn APY
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
$25,000
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 14.21%
48 Month Certificate
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
48 months Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
48 months Certificates
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
HSA Certificates 48 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.89%
IRA 48 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.71%
48 Month Plus Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
New York 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
108 2nd Ave, New York, NY 10003 8302
5 Years Certificate
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
5-year
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
470 Park Ave S, New York, NY 10016
60 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
5-year
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
301 W 111th St, New York, NY 10026
5 Years (60 Months) Certificates of Deposit & IRA CDs
$250
3.50%
▼
Rate3.44%
Min Deposit$250
Min Balance—
UpdatedMay 29, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
26 Federal Plz Fl 31, New York, NY 10278 1300
60 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
215 2nd Ave, New York, NY 10003
60 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Early Withdrawal Penalty May Apply
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Special Certificate 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
290 Broadway Fl 10, New York, NY 10007 1823
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
60 Mo Share Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
60 month term Share Certificate
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
215 Park Row, New York, NY 10038
60 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.47%
165 W 46th St, New York, NY 10036 2508
60-Month Special Certificate Account
$0
3.04%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.19%
109 Bowery, New York, NY 10002
60 Month CD
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
55 Water St, NEW YORK, NY 10041 0004
5 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
423 E 23rd St, New York, NY 10010 5011
SHARE & IRA CERTIFICATE Accounts 60 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
5-Year
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.88%
77 W 66th St, New York, NY 10023
Investment Share and IRA Certificates 60 Months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
60 Month Business Certificate Account
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
60 Month Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.93%
111 W 26th St, New York, NY 10001 6802
60 Month IRA Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
60-month Share Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.92%
2 United Nations Plz Fl 3, New York, NY 10017
Share Certificates 60-month
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
312 5th Ave, New York, NY 10001
Certificates of Deposit 5 Year Certificate
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
308 5th Ave, New York, NY 10001
60 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
10 Downing St, New York, NY 10014
5-Year
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2521 Broadway, New York, NY 10025
5 Year
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2521 Broadway, New York, NY 10025
5 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
444 Madison Ave Fl 9, New York, NY 10022
Regular CD 60 Months
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
60 months Certificate of Deposit
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
60 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
IRA Term Share Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Term Share Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.65%
60 Months (Five Years) Share Certificate
$0
3.71%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.65%
Share Certificates 60 Months (Five Years)
$0
3.71%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
5 Year Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
5 Year IRA Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
5 Year Share Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Credit Quarterly
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
5 Year Share Certificates
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Credit Quarterly
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
60-Month Certificate Accounts
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
60-Month Certificate Accounts & IRA Certificate Accounts
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
IRA Certificates 60 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.16%
60 Months Share Certificate
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 17, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 4.12%
Share Certificates 60 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 28, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
Certificates of Deposit 60 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.89%
ROTH IRA Share Certificates 68 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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New York, NY CD Rate Trends
Compare local New York, 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
2.528%
▼ 0.025 vs 7 days ago
New York 12-month CD rates fell 0.025 points over the past 7 days to 2.528% APY.
6-Month CD — NY Avg
2.406%
▲ 0.022 vs 7 days ago
New York 6-month CD rates rose 0.022 points over the past 7 days to 2.406% APY.
As of Jun 2, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.528%
6-Month Forecast
2.528%
Range: 2.33% – 2.68%
12-Month Forecast
2.278%
Range: 2.08% – 2.43%
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 | 2.051% | $102.55 | $205.09 | $512.73 | $1,025.45 |
| 6-Month CD | 2.406% | $120.28 | $240.56 | $601.40 | $1,202.80 |
| 12-Month CD | 2.528% | $126.42 | $252.83 | $632.08 | $1,264.15 |
| 18-Month CD | 2.330% | $116.48 | $232.95 | $582.38 | $1,164.75 |
| 24-Month CD | 2.311% | $115.55 | $231.10 | $577.75 | $1,155.50 |
| 36-Month CD | 2.211% | $110.53 | $221.06 | $552.65 | $1,105.30 |
| 48-Month CD | 2.436% | $121.81 | $243.62 | $609.05 | $1,218.10 |
| 60-Month CD | 2.123% | $106.15 | $212.29 | $530.73 | $1,061.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 2026. | |||||
Sample CD Ladder for New York, 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 | 2.051% | $102.55 |
| 2 | 6-Month CD | $5,000 | 2.406% | $120.28 |
| 3 | 12-Month CD | $5,000 | 2.528% | $126.42 |
| 4 | 24-Month CD | $5,000 | 2.311% | $115.55 |
| 5 | 36-Month CD | $5,000 | 2.211% | $110.53 |
| Total ($25,000 invested) | $25,000 | 2.301% blended | $575.33/yr | |
Ladder example uses equal $5,000 rungs and New York average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
1,206
CD Rates
Tracked in New York, New York
Tracked in New York, New York
50 Banks
79 Credit Unions
About Our New York, New York CD Rate Database
MonitorBankRates tracks 1,206 CD rates from 50 banks and 79 credit unions with locations in New York, 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: Generations United Federal Credit Union offers a CD at 4.34% APY with a minimum deposit of $50,000. Use the rate table above to compare all current offers in New York, New York.
How to Find the Best CD Rates in New York, New York
What to compare when shopping for a CD in New York, New York
To find the best APYs in New York, New York, start with credit unions and online-only banks — New York, New York has 79 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in New York, New York
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in New York, New York — 129 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → New York, New York savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → New York, New York money market rates
New York, New York Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.6%
National avg: 17.3%
Median Individual Earnings
$50,450
National avg: $47,340
Poverty Rate
17.9%
National avg: 11.1%
Unemployment Rate
8.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$128/yr
At NY 12-mo avg 2.528% APY
16.6% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 8.0% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 2.528%, saving 10% of the local median salary ($5,045/year) and putting it in a CD would earn an additional $128 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in New York, New York
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in New York, New York
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New York, 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 New York, New York as everywhere in the U.S.
Choosing a CD Term in New York, New York
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New York, New York savers easier access to their funds. For example, Self Reliance NY Federal Credit Union is offering its 6 Months Certificate at 4.02% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Self Reliance NY Federal Credit Union is offering its 5 Years Certificate at 3.92% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for New York, New York Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a New York, New York saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in New York, New York
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the New York, New York CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in New York, New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a New York, 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 New York, New York
Are CD rates in New York, New York FDIC insured?
Yes, most established banks in New York, New York are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in New York, New York?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in New York, New York.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in New York, New York may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in New York, New York?
Here are recent top rates found for this area:
- Generations United Federal Credit Union: 4.34% APY (24-month Long-Term Certificates)
- Municipal Credit Union: 4.07% APY (Share Certificate 12-Month-Bonus Rate)
- New York University Federal Credit Union: 4.06% APY (12 months Share Certificate)
- Self Reliance NY Federal Credit Union: 4.02% APY (6 Months Certificate)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
- New Millennium Bank: 4.00% APY (Millennium Club Account 1 Year Term)
- Webster Bank: 4.00% APY (Private 3-Month CD)
- Global Bank: 3.90% APY (6-month)
- Capital One Bank: 3.90% APY (12 Months)
- OceanFirst Bank: 3.85% APY (6 Month CD)
Rates reflect recent verified offers available in New York, New York. Last Updated: June 1, 2026
CD Calculators for New York, New York
New York, New York CD Calculator
At today’s NY top rate of 4.34% APY, a $10,000 deposit earns $434 in the first year. Enter your amount to see your exact return.
New York, New York CD LadderNY CD rates currently range from 2.051% (3-month) to 2.211% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New York, New York CD at 4.34% 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 2.528% 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 New York, 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 New York, 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 New York, 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: June 1, 2026
Rate Assistant
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