CD Rates North Java, New York (NY) for March 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 North Java, New York CD rates include Italo American Credit UnionItalo American Credit Union6652 Myrtle Ave, Glendale, NY 11385 7057A+5.0 ★Texas Ratio: 2.78% offering Regular IRA And Roth IRA 3 and 4 year at 5.00% APY, Municipal Credit UnionMunicipal Credit Union755 Co Op City Blvd, Bronx, NY 10475A5.0 ★Texas Ratio: 8.05% offering 12 Month Certificate Special at 4.33% APY, CFCU Community Credit UnionCFCU Community Credit Union1030 Craft Rd, Ithaca, NY 14850A+5.0 ★Texas Ratio: 4.92% offering 18-month IRA Certificate at 4.25% APY, Maspeth Federal S&LMaspeth Federal S&L5618 69th St, Maspeth, NY 11378A5.0 ★Texas Ratio: 6.07% offering 6 Month CD and IRA at 4.15% APY, and First Source Federal Credit UnionFirst Source Federal Credit Union4451 Commercial Dr, New Hartford, NY 13413 6207A5.0 ★Texas Ratio: 8.13% offering Business Term Share Certificates 6 Month at 4.11% APY.
To help you find the best CD rates in North Java, New York, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 22, 2026
North Java, NY CD Rate Trends
Compare local North Java, NY CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NY Avg
2.390%
▼ 0.296 from last week
New York 12-month CD rates fell 0.296 points this week to 2.390% APY, down from 2.686% last week.
6-Month CD — NY Avg
2.302%
▼ 0.465 from last week
New York 6-month CD rates fell 0.465 points this week to 2.302% APY, down from 2.767% last week.
As of Mar 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in North Java, New York & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
3 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
Share Certificates 3-Month
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 3 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
330 5th Ave, New York, NY 10001
WooriWON 3-month CD
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 22, 2026
Details
This APY applies to only WooriWON 3-month CD product which is only available online.; Online Only
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
3 Month Certificate Account
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1410 Saint Georges Ave, Avenel, NJ 07001
3 month IRA
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2115 Linwood Ave, Fort Lee, NJ 07024
3 Month Certificate of Deposit - Branch
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
3 Month CDs
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
IRA CD 3 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
6 Month CD and IRA
$0
4.15%
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.13%
4451 Commercial Dr, New Hartford, NY 13413 6207
Business Term Share Certificates 6 Month
$0
4.11%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$1,000.00 minimum balance to earn dividends
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
6 Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Limited Time
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
207 Genesee St, Utica, NY 13501
6 month Certificate of Deposit (CD) 1/1/2026
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
Min Balance—
UpdatedMar 17, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
6 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
Share Certificates 6-Month
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
24 Glen Ave, Cooperstown, NY 13326 1122
Share Certificates 6 Month
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$1,000 & Over
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
6 Month Business CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1537 Milton Ave, Solvay, NY 13209
6 Month Certificate of Deposit
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
180 Day (6 months) Certificates of Deposit
$250
3.95%
▼
Rate3.87%
Min Deposit$250
Min Balance—
UpdatedMar 21, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
1390 Brickell Ave, Miami, FL 33131
6 Month Certificate of Deposit
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate of Deposit (IRA)
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO 63125 4320
6 Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 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—
UpdatedMar 20, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 1 year
$0
4.50%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
12 Month Certificate Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
12-Month Certificate
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
12-Month Certificate Special
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
Share Certificate 12-Month-Bonus Rate
$0
4.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
12 Month Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
12 Month Certificate Account
$0
4.05%
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Rate Special
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
12 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
Share Certificates 12-Month
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Certificates of Deposit (CD) March 2, 2026 1 year up to 2
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
(Apply Online)
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Certificates of Deposit (CD) March 2, 2026 6 months up to 1 year
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
(Apply Online)
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
222 Genesee St, Utica, NY 13502
Pension CDs (Includes IRA, SEP 401K, ESOP) 1 year up to 2
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
30 Allen St, Rutland, VT 05701
Premier Term Share Certificate 12 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
12 Month Business CD
$2,500
4.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
12 Month CD
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CFCU Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1030 Craft Rd, Ithaca, NY 14850
18-month IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Now through April 15, earn up to 4.25% APY with our 18-month IRA Certificate.
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
18 Month Certificate
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
18 Month Certificate Account
$0
4.10%
▼
Rate4.02%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Rate Special
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
18-Month Share Certificate Special
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
18-Month Special Share Certificate
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
Share Certificates 18-Month
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
535 Broadhollow Rd Ste A4, Melville, NY 11747
18 Month CD for New Member
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$10,000 max
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month Business CD
$2,500
3.95%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
18 Month CD
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
18-month IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
18-month Roth IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
18 Month Bump Up Fixed Rate Certificates
$5,000
3.75%
▼
Rate3.68%
Min Deposit$5,000
Min Balance—
UpdatedMar 18, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
18 Month Health Savings Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
256 Hoosick St, Troy, NY 12180
18 Month IRA Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
110 Village Sq, Painted Post, NY 14870 1349
Jumbo Certificate 18 Month Jumbo
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 2 year
$0
4.75%
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
24 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Rate Special
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
24 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
2-year IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
2-year Roth IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
24 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
24 Glen Ave, Cooperstown, NY 13326 1122
IRA Certificates 2 Year
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$1,000 & Over
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
24 Glen Ave, Cooperstown, NY 13326 1122
Share Certificates 2 Year
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$1,000 & Over
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
24 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
24 Month Business CD
$2,500
3.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
24 Month Step-Up Certificate
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Member can request a one-time rate increase prior to maturity. On the date of the request, we will adjust the rate to match the USALLIANCE rate posted for the current Step-Up certificate with the same original maturity (12 or 24 months).
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
36 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Rate Special
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
36-Month IRA Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Terms and conditions apply
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
1111 Brickell Ave, Miami, FL 33131
36 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
3-Year Share Certificate
$1,000
3.67%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY 14228
36 Month Share Certificate
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY 14228
IRA 36 Month Share Certificate
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
6652 Myrtle Ave, Glendale, NY 11385 7057
Regular IRA And Roth IRA 3 and 4 year
$0
5.00%
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
48 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY 14228
48 Month Share Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY 14228
IRA 48 Month Share Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
48 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
IRA Term Share Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
Term Share Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
60 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
60 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
IRA Term Share Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
Term Share Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frequently Asked Questions about CD Rates in North Java, New York
Are CD rates in North Java, New York FDIC insured?
Yes, most established banks in North Java, 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 North Java, 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 North Java, 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 North Java, 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 North Java, New York?
Here are recent top rates found for this area:
- Italo American Credit Union: 5.00% APY (Regular IRA And Roth IRA 3 and 4 year)
- Municipal Credit Union: 4.33% APY (12 Month Certificate Special)
- CFCU Community Credit Union: 4.25% APY (18-month IRA Certificate)
- Maspeth Federal S&L: 4.15% APY (6 Month CD and IRA)
- First Source Federal Credit Union: 4.11% APY (Business Term Share Certificates 6 Month)
- USALLIANCE: 4.10% APY (18 Month Certificate Account)
- Newtek Bank: 4.10% APY (6 Month CD)
- Bank of Utica: 4.00% APY (Pension CDs (Includes IRA, SEP 401K, ESOP) 1 year up to 2)
- Woori America Bank: 4.00% APY (WooriWON 3-month CD)
- Solvay Bank: 4.00% APY (6 Month Certificate of Deposit)
Rates reflect recent verified offers available in North Java, New York. Last Updated: March 22, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for North Java, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in North Java, 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: March 22, 2026
