CD Rates Olean, New York (NY) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Olean, 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. CD rates as of March 25, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Olean, 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 25, 2026
Compare Best CD Rates in Olean, New York & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 25, 2026
Details
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 25, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
3 Month Certificate of Deposit - Branch
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMar 25, 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 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
3 Month CD
$2,000
3.60%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 2026
Details
APY (Annual Percentage Yield) based on balances of $2,000 or more; Rates effective 12/17/25
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—
UpdatedMar 25, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
3 Month Business CD
$2,500
3.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 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—
UpdatedMar 25, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
69 E 167th St, Bronx, NY 10452
90 Day Certificates of Deposit
$250
3.25%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedMar 25, 2026
Details
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4000 N Buffalo St, Orchard Park, NY 14127
3 Month Share Certificate
$1,000
3.19%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
3 Month Certificate of Deposit (CD)
$500
3.00%
▼
Rate2.92%
Min Deposit$500
Min Balance—
UpdatedMar 25, 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
GU Certificates 3-month
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Apple Bank for Savings
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
12 Westchester Sq, Bronx, NY 10461
3-Month CD
$1,000
2.75%
▼
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
3-month Share Certificate
$0
2.70%
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
90 Day CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
3-Month Share Certificate
$1,000
2.28%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
1474 Myrtle Ave, Brooklyn, NY 11237 5128
3 month Certificate
$0
2.21%
▼
Rate2.19%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 3 Month Jumbo
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
3 Month CD
$500
1.90%
▼
Rate1.88%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
3-Month Term/IRA Term
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
3 Month Member Certificates
$0
1.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
3 Month Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Certificate of Deposit (CD) 3 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
591 E Main St, Bay Shore, NY 11706 8505
3 Month Business Certificate Account
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1211 Avenue of the Americas Fl 18, New York, NY 10036
3 Month Certificate
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Share Certificates 3 Month
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
90 Day Certificates
$2,500
0.55%
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY 14456 3502
3-Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 3 Month
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000.00 minimum balance to earn dividends
United Orient Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10 Chatham Sq, New York, NY 10038
3 Month CD
$0
0.25%
▼
Rate0.24%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
344 Tom Miller Rd, Plattsburgh, NY 12901
3 Month Share Certificates
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
1 Blue Hill Plz, Pearl River, NY 10965 3104
3 Month Certificate
$50,000
0.15%
▼
Rate0.15%
Min Deposit$50,000
Min Balance—
UpdatedMar 25, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
500 Westchester Ave, Port Chester, NY 10573
3 Month CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
920 South St, Peekskill, NY 10566
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
7 Edward J Lempka Dr, Florida, NY 10921
3 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedMar 25, 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 25, 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 25, 2026
Details
$1,000.00 minimum balance to earn dividends
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
6 Month CD
$0
4.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Limited Time
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 25, 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 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
6 Month Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 25, 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 25, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
411 Theodore Fremd Ave, Rye, NY 10580
6 Month Certificate Account
$0
3.80%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
7 Edward J Lempka Dr, Florida, NY 10921
Private 6-Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
6 Month Jumbo CD with Active Account
$1,000
3.70%
▼
Rate3.64%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Active Account
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
6 Month Certificate of Deposit - Branch
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
6 month Certificate Accounts
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY 14870
6 month Certificate Rate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1000 minimum balance required
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
6-month Share Certificate and IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
6-Month CD Special
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 6 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY 14224
6 Month Term Share (Certificate)
$1,000
3.43%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
6 Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4000 N Buffalo St, Orchard Park, NY 14127
6 Month Share Certificate
$1,000
3.39%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
6 Month Business Term Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Spencerport Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
2775 Spencerport rd, Spencerport, NY 14559
6 Month Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Holland
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 S Main St, Holland, NY 14080
Certificates of Deposit 6 Month
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
6 Month Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Monthly
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
21131 Jamaica Ave, Queens Village, NY 11428 1621
6-Month Term
$100,000
3.17%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
6 Month Jumbo Share Certificates
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Boulevard Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY 14228
6 Month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
GU Certificates 6-month
$100
2.94%
▼
Rate2.90%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
6 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
535 Broadhollow Rd Ste A4, Melville, NY 11747
6 Month CD
$0
2.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY 14227 1044
6 month Term Share Accounts
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
180 Day Certificates
$2,500
2.51%
▼
Rate2.49%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15408 Northern Blvd, Flushing, NY 11354
6 Month Certificate of Deposit
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
6-Month Term/IRA Term
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
1474 Myrtle Ave, Brooklyn, NY 11237 5128
6 month Certificate
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY 14750
6-Month IRA Certificate
$1,000
2.10%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 Minimum To Open
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
6 Month CD
$500
2.05%
▼
Rate2.02%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
6-Month IRA Share Certificate
$0
2.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Terms and conditions apply
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY 14228 2104
Share Certificates - 6 Month
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
$500 minimum/$100,000 maximum
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
6-Month CD
$2,000
1.61%
▼
Rate1.60%
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Share Certificates 6 Month
$100,000
1.60%
▼
Rate1.59%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
212 Dolson Ave, Middletown, NY 10940
6 Month CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
591 E Main St, Bay Shore, NY 11706 8505
6 Month Business Certificate Account
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
6 Month Member Certificates
$0
1.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
5362 Railroad St, Chemung, NY 14825
Certificates minimum) 6 Month
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
6 Month CD
$0
1.30%
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Certificate of Deposit (CD) 6 Month
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 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 1 year
$0
4.50%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 25, 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 25, 2026
Details
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 25, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
110 John Muir Dr, Amherst, NY 14228 1148
12 Month Certificate (IRA Only)
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
12 Month CD and IRA
$0
3.90%
▼
Rate3.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
125 Corporate Blvd, Yonkers, NY 10701
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
156 W 56th St Fl 20, New York, NY 10019
12 Month Certificate of Deposit
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
211 Wilkinson St, Syracuse, NY 13204
1-year IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
12 Month CDs
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
12-month CD promotion
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
New money deposit only
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
12-Month Flex Certificate Accounts & IRA Certificate Accounts
$750
3.64%
▼
Rate3.57%
Min Deposit$750
Min Balance—
UpdatedMar 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
12 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
12 Month CD
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
12 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
12 Month CD
$1,000
3.49%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CDs 12 Month
$1,000
3.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
445 Broadhollow Rd, Melville, NY 11747
12-Month CD
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
12 Month Business Term Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
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—
UpdatedMar 25, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
12 Month Relationship IRA/Roth
$1,000
3.30%
▼
Rate3.26%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY 14224
12 Month Term Share (Certificate)
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
1 Year Star Relationship CD
$500
3.27%
▼
Rate3.17%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
1099 Morton Blvd, Kingston, NY 12401
12 Month VIP IRA - Variable
$25,000
3.25%
▼
Rate3.20%
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
21131 Jamaica Ave, Queens Village, NY 11428 1621
1-Year Term CD
$100,000
3.22%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
420 Lexington Ave Rm 850, New York, NY 10170 0033
GU Certificates 12-month
$100
3.20%
▼
Rate3.15%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4000 N Buffalo St, Orchard Park, NY 14127
1 Year Share Certificate Accounts & 1 Year IRAs
$1,000
3.19%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
10730 Enduring Freedom Dr, Fort Drum, NY 13602
12-Month Certificate of Deposit IRA
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
12 Month Share Certificates
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
600 Thayer Rd, West Point, NY 10996 1726
1 Year IRA Certificate
$0
3.00%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 minimum balance to open
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
275 7th Ave, New York, NY 10001
IRA CDs2,4 1 year
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY 14227 1044
12 month Term Share Accounts
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Alden State Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.67%
13216 Broadway St, Alden, NY 14004
12-month CD IRA
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
12-month Share Certificate
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
1 Year Certificates and IRA
$500
2.57%
▼
Rate2.55%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Lockport Schools And Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
360 S Transit St, Lockport, NY 14094 4848
1 Year Certificate
$0
2.55%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
12 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
535 Broadhollow Rd Ste A4, Melville, NY 11747
12 Month CD
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
12-Month CD
$2,000
2.27%
▼
Rate2.25%
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 2026
Details
Rome Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.07%
937 Seneca St, Rome, NY 13440
12 Month Term Share Certificate Accounts
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.90%
656 N French Rd Ste 7, Amherst, NY 14228 2104
Share Certificates - 1 Year
$500
2.15%
▼
Rate2.15%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
$500 minimum/$100,000 maximum
Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
1474 Myrtle Ave, Brooklyn, NY 11237 5128
12 month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
IRA 12 Month
$0
1.81%
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
12 Month CD
$2,500
1.77%
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
460 N Goodman St, Rochester, NY 14609 6135
12 Month Share Certificate
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
875 Manhattan Ave, Brooklyn, NY 11222
1 Year CD
$500
1.75%
▼
Rate1.71%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
IRA Certificates 12 Month
$500
1.70%
▼
Rate1.69%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
12 Month IRA Certificate
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Certificate of Deposit (CD) 12 Month
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 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 25, 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 25, 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 25, 2026
Details
$10,000 max
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
18 Month Business CD
$2,500
3.95%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 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 25, 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 25, 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 25, 2026
Details
NexTier Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
390 E Henrietta Rd, Rochester, NY 14620
18 Month CD
$5,000
3.51%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 25, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
18 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
18 Month Variable Rate IRA
$100
3.48%
▼
Rate3.42%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY 14870
18 month Certificate Rate
$0
3.45%
▼
Rate3.41%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1000 minimum balance required
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
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—
UpdatedMar 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
18-Month Fixed Rate CD
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
GU Certificates 18-month
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY 14224
18 Month Term Share (Certificate)
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 18 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
18 Month Business Term Share Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
18 Month Share Certificates
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Empire State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
1441 South Ave, Staten Island, NY 10314
18 Month CDs
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY 14750
18-Month IRA Certificate
$1,000
2.95%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 Minimum To Open
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
18-Month Term Account
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY 12090
Business Term Share Certificate 18 Month
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
IRA 18 Month
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
18 Month Star Relationship CD
$500
2.76%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
18-month Share Certificate
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15408 Northern Blvd, Flushing, NY 11354
18 Month Certificate of Deposit
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
18 Month CD
$1,000
2.38%
▼
Rate2.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
10730 Enduring Freedom Dr, Fort Drum, NY 13602
18-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
18-Month CD
$2,000
2.02%
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY 14227 1044
18 month Term Share Accounts
$0
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Share Certificates 18 Month
$100,000
1.85%
▼
Rate1.83%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
18 Month Certificates
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.62%
4886 ARTHUR KILL RD, STATEN ISLAND, NY 10309
18 Month Certificate
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Certificate of Deposit (CD) 18 Month
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
924 Turin St, Rome, NY 13440
Term Share Certificates - 18 Month Term
$0
1.46%
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
18 Month Member Certificates
$0
1.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
591 E Main St, Bay Shore, NY 11706 8505
18 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
125 State St, Albany, NY 12207
18 Month IRA Certificates
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 25, 2026
Details
Relationship APY
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
27 Seneca St, Geneva, NY 14456 3502
18-Month Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Groton
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
159 Main St, Groton, NY 13073
18 Month CD
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
344 Tom Miller Rd, Plattsburgh, NY 12901
18 Month Share Certificates
$0
0.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
500 Westchester Ave, Port Chester, NY 10573
18 Month CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY 12043 1263
18 month Share Certificates and IRAs
$500
0.25%
▼
Rate0.25%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
1 Blue Hill Plz, Pearl River, NY 10965 3104
18 Month Certificate
$100,000
0.20%
▼
Rate0.20%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Adirondack Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
185 Genesee St, Utica, NY 13501
18 Month Relationship CD*
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
BankUnited
Institution Rating:
A-5.0 ★Texas Ratio: 15.40%
445 Broadhollow Rd, Melville, NY 11747
18-Month CD
$1,000
0.10%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
7 Edward J Lempka Dr, Florida, NY 10921
18 Month Personal CDs
$500
0.01%
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedMar 25, 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 25, 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 25, 2026
Details
Rate Special
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
24 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 25, 2026
Details
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 25, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
4311 Middle Settlement Rd, New Hartford, NY 13413
24 Month Term Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
2-Year Treasury Indexed CD
$100
3.63%
▼
Rate3.52%
Min Deposit$100
Min Balance—
UpdatedMar 25, 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 24 Month Jumbo
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
755 Co Op City Blvd, Bronx, NY 10475
24-Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
24 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Customers Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
102 S Ridge St, Rye Brook, NY 10573
24-month CD
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
$500 minimum to open and earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
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—
UpdatedMar 25, 2026
Details
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY 14870
24 month Certificate Rate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1000 minimum balance required
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
21131 Jamaica Ave, Queens Village, NY 11428 1621
2-Year Term CD
$100,000
3.37%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
66 Hudson Blvd E, New York, NY 10001
New Money CDs 24 Month
$1,000
3.30%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
North East Welch Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.73%
21 N Portage St, Westfield, NY 14787
IRA Certificates 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Compounded Quarterly
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
24-Month Certificate of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
24 Month CD
$1,000
3.23%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
24 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4000 N Buffalo St, Orchard Park, NY 14127
2 Year Share Certificate Accounts & 2 Year IRAs
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
24 Month Share Certificates
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
24-Month Term Account
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
2-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
24 Month IRA Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
2-Year CD
$2,000
3.00%
▼
Rate2.96%
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 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 24 Month
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000.00 minimum balance to earn dividends
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
24 Month Business Term Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
600 Thayer Rd, West Point, NY 10996 1726
2 Year IRA Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 minimum balance to open
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
24 Month CD
$1,000
2.79%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
2 Year Star Relationship CD
$500
2.76%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
MOOG EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY 14052 0018
24 Month IRA Certificate
$1,000
2.75%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
$1,000.00 Minimum To Open - $500,000.00 Maximum; Dividend Paid at Maturity
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY 12090
Business Term Share Certificate 24 Month
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
275 7th Ave, New York, NY 10001
IRA CDs2,4 2 year
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15408 Northern Blvd, Flushing, NY 11354
24 Month Certificate of Deposit
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
10730 Enduring Freedom Dr, Fort Drum, NY 13602
24-Month Certificate of Deposit IRA
$500
2.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
24-month Share Certificate
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
24 Month Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
24 Month IRA Certificate
$0
2.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
IRA 24 Month
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
4142 Hylan Blvd, Staten Island, NY 10308
24 month IRA
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
24 Month Relationship IRA/Roth
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
IRA Certificates 2 Year
$500
1.85%
▼
Rate1.83%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Rome Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
924 Turin St, Rome, NY 13440
Term Share Certificates - 24 Month Term
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Certificate of Deposit (CD) 24 Month
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Division 726 Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.62%
4886 ARTHUR KILL RD, STATEN ISLAND, NY 10309
24 Month Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Empire One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3020 Orchard Park Rd, West Seneca, NY 14224
2 YEAR CD
$0
1.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
24 Month Certificate
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
United Orient Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
10 Chatham Sq, New York, NY 10038
2 Year CD
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
36 Month Certificate Account
$0
3.95%
▼
Rate3.87%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 25, 2026
Details
Terms and conditions apply
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
36 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 25, 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 25, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
36-Month Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMar 25, 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 36 Month Jumbo
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
9823 Science Center Dr, Painted Post, NY 14870
36 month IRA certificate jumbo
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1000 minimum balance required
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
36 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Maspeth Federal S&L
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5618 69th St, Maspeth, NY 11378
36 Month CD and IRA
$0
3.45%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
21131 Jamaica Ave, Queens Village, NY 11428 1621
3-Year Term
$100,000
3.42%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
36 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
36 Mo IRA Cert
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
36 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
36-Month Certificate of Deposit
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
36 Month CD
$1,000
3.18%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
36 Month CD
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
3-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
1937 Union Rd, West Seneca, NY 14224
36 Month Term Share (Certificate)
$2,500
3.03%
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 36 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
36 Month Business Term Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
600 Thayer Rd, West Point, NY 10996 1726
3 Year IRA Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 minimum balance to open
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4000 N Buffalo St, Orchard Park, NY 14127
3 Year Share Certificate Accounts
$1,000
2.88%
▼
Rate2.85%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Carver Federal Savings Bank
Institution Rating:
C3.9 ★Texas Ratio: 28.07%
75 W 125th St, New York, NY 10027
36 Month CD
$1,000
2.79%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
36 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
36 Month Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Amalgamated Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
275 7th Ave, New York, NY 10001
IRA CDs2,4 3 year
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
36 Month Jumbo Share Certificates
$0
2.70%
▼
Rate2.66%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
36 Month Certificates and IRA
$500
2.65%
▼
Rate2.62%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
28 Church St, Hoosick Falls, NY 12090
Business Term Share Certificate 36 Month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
15408 Northern Blvd, Flushing, NY 11354
36 Month Certificate of Deposit
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
460 N Goodman St, Rochester, NY 14609 6135
36 Month Share Certificate
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
3 Year Certificate of Deposit (CD)
$500
2.25%
▼
Rate2.19%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
36-month Share Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
IRA 36 Month
$0
2.12%
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
36 Month IRA Certificate
$0
2.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Share Certificates 3 Year
$100,000
2.05%
▼
Rate2.03%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Certificate of Deposit (CD) 36 Month
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
3-Year CD
$2,000
1.89%
▼
Rate1.87%
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 2026
Details
Empire One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3020 Orchard Park Rd, West Seneca, NY 14224
3 YEAR CD
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1211 Avenue of the Americas Fl 18, New York, NY 10036
3 Year Certificate
$0
1.61%
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
36 Month Certificate
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Business Certificates2 3-Year
$100
1.25%
▼
Rate1.23%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Niagara Falls Air Force Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
2420 Olmstead St, Niagara Falls, NY 14304 5066
36 month Term
$0
1.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
early withdrawal 180 day dividend penalty
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY 14227 1044
36 month Term Share Accounts
$0
1.16%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
3 Year CD
$1,000
1.05%
▼
Rate1.04%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
473 Broadway, Saratoga Springs, NY 12866
3-Year CD/IRA
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
125 State St, Albany, NY 12207
3 Year Certificate
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 25, 2026
Details
Relationship APY
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 25, 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 25, 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 25, 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 25, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
2365 Nostrand Ave, Brooklyn, NY 11210
48 Month Certificate of Deposit - Branch
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
5 Murray St, Glens Falls, NY 12801
Certificates of Deposit 48 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
48 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 48 Month Jumbo
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
48-Month Term Account
$100,000
3.35%
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
3751 75th St, Jackson Heights, NY 11372
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Earn up to 3.25 % APY-choose a 6-month CD for flexibility or up to 48-month CD for longer growth.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
7921 Metropolitan Ave, Middle Village, NY 11379
48 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
7102 Forest Ave, Ridgewood, NY 11385
48 Month CD
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
48 Month CD
$1,000
3.08%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
130 S Elmwood Ave Ste 126, Buffalo, NY 14202 2465
4-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
450 Broadway, New York, NY 10013
48-Month CD
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
48 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 48 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4000 N Buffalo St, Orchard Park, NY 14127
4 Year Share Certificate Accounts
$1,000
2.98%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
600 Thayer Rd, West Point, NY 10996 1726
4 Year IRA Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 minimum balance to open
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
48 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
48 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
48 Month Certificates and IRA
$500
2.69%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
460 N Goodman St, Rochester, NY 14609 6135
48 Month Share Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
48 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Holland
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 S Main St, Holland, NY 14080
Certificates of Deposit 48 Month
$500
2.49%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
IRA 48 Month
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
48 Month IRA Certificate
$0
2.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
48 Month Jumbo Share Certificates
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
10730 Enduring Freedom Dr, Fort Drum, NY 13602
48-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
495 Central Park Ave, Scarsdale, NY 10583
4 Year Certificate of Deposit (CD)
$500
2.25%
▼
Rate2.19%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
48-month Share Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
Share Certificates 4 Year
$100,000
2.10%
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Business Certificates2 4-Year
$100
2.00%
▼
Rate1.95%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
4-Year CD
$2,000
1.89%
▼
Rate1.87%
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
48 Month Relationship IRA/Roth
$1,000
1.80%
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Fox Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
1211 Avenue of the Americas Fl 18, New York, NY 10036
4 Year Certificate
$0
1.71%
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
48 Month Certificate
$0
1.30%
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
591 E Main St, Bay Shore, NY 11706 8505
48 Month Business Certificate Account
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Circuit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY 14227 1044
48 month Term Share Accounts
$0
1.16%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pathfinder Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.40%
6611 Manlius Center Rd, East Syracuse, NY 13057
4 Year CD
$1,000
1.10%
▼
Rate1.09%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Groton
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
159 Main St, Groton, NY 13073
48 Month CD
$0
1.06%
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Newtek Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.72%
13629 38th Ave, Flushing, NY 11354
48 Month Business CD
$2,500
1.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
344 Tom Miller Rd, Plattsburgh, NY 12901
48 Month Share Certificates
$0
0.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY 13021 3135
4 Year Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
274 Rugar St, Plattsburgh, NY 12901
48 Month Certificate
$500
0.60%
▼
Rate0.60%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
With Draft
Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4621 Millennium Dr, Geneseo, NY 14454
4 year Certificates/Individual Retirement Accounts
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
425 Main St, Catskill, NY 12414
CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 4 Year
$0
0.35%
▼
Rate0.34%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 25, 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 25, 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 25, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
2373 South Rd, Poughkeepsie, NY 12601 5585
60-Month Certificate Accounts
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
2500 Westchester Ave, Purchase, NY 10577 2587
60-Month Term Account
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2208 W Genesee St, Syracuse, NY 13219
IRA 60 Month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
5 Murray St, Glens Falls, NY 12801
Certificates of Deposit 60 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
1916 Black River Blvd N, Rome, NY 13440 2430
60 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
5 Year IRA Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
110 Village Sq, Painted Post, NY 14870 1349
Jumbo Certificate 60 Month Jumbo
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
2885 Belgium Rd, Baldwinsville, NY 13027 2706
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
24 Glen Ave, Cooperstown, NY 13326 1122
IRA Certificates 5 Year
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 & Over
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 10.52%
255 Main St, Massena, NY 13662
60 Month CD
$1,000
3.23%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
290 Broadway Fl 10, New York, NY 10007 1823
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
300 Crosspoint Pkwy, Getzville, NY 14068 1606
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
215 Park Row, New York, NY 10038
60 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Washington Avenue Ext, Albany, NY 12205 5581
36 month - 60 month (with step up option) Certificate Accounts
$0
3.01%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
910 Upper Front St, Binghamton, NY 13905 1337
Share Certificate - 60 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
4000 N Buffalo St, Orchard Park, NY 14127
5 Year Share Certificate Accounts
$1,000
2.98%
▼
Rate2.95%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
600 Thayer Rd, West Point, NY 10996 1726
5 Year IRA Certificate
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$1,000 minimum balance to open
Greylock Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.17%
464 Fairview Ave, Hudson, NY 12534
60 Month Business Term Share Certificate
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Directors Choice Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 South Family Drive, Albany, NY 12205
60 Month IRA Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
201 Mohawk Ave, Scotia, NY 12302
60 Month Certificates and IRA
$500
2.72%
▼
Rate2.69%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Island Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
120 Motor Pkwy, Hauppauge, NY 11788 5152
60 Month Certificate
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Bank of Holland
Institution Rating:
A+5.0 ★Texas Ratio: 3.49%
12 S Main St, Holland, NY 14080
Certificates of Deposit 60 Month
$500
2.49%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
800 N SALINA ST STE 200, SYRACUSE, NY 13208 2513
60 Month Certificate
$0
2.31%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
St Pius X Church Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.99%
2998 Chili Ave, Rochester, NY 14624 4537
60 Month Jumbo Share Certificates
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
10730 Enduring Freedom Dr, Fort Drum, NY 13602
60-Month Certificate of Deposit IRA
$500
2.27%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.24%
264 E Merrick Rd, Valley Stream, NY 11580 6034
Business Certificates2 5-Year
$100
2.25%
▼
Rate2.20%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
2401 44th Rd, Long Island City, NY 11101
60-month Share Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
4720 Baker St, Lakewood, NY 14750 9772
IRA Certificates 5 Year
$500
2.10%
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
International Bank of Chicago
Institution Rating:
B-4.4 ★Texas Ratio: 22.84%
2 W Main St, Port Jervis, NY 12771
Certificate of Deposit (CD) 60 Month
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
6414 Montgomery St, Rhinebeck, NY 12572
5-Year CD
$2,000
1.89%
▼
Rate1.87%
Min Deposit$2,000
Min Balance—
UpdatedMar 25, 2026
Details
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
1026 Conklin Rd, Conklin, NY 13748
60 Month Relationship IRA/Roth
$1,000
1.75%
▼
Rate1.74%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Money Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
125 E Jefferson St, Syracuse, NY 13202
60 Month Certificate
$0
1.20%
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
FNB of Groton
Institution Rating:
A5.0 ★Texas Ratio: 10.31%
159 Main St, Groton, NY 13073
60 Month CD
$0
1.11%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
344 Tom Miller Rd, Plattsburgh, NY 12901
60 Month Share Certificates
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
65 WRIGHT CIR, AUBURN, NY 13021 3135
5 Year Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
795 E Main St Ste 1, Cobleskill, NY 12043 1263
60 month Share Certificates and IRAs
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedMar 25, 2026
Details
Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
4621 Millennium Dr, Geneseo, NY 14454
5 year Certificates/Individual Retirement Accounts
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.10%
225 W Broad St, Rochester, NY 14608
Term IRA Certificates 60 Month
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The First Bank of Greenwich
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
500 Westchester Ave, Port Chester, NY 10573
5 Year CD
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Empire One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
3020 Orchard Park Rd, West Seneca, NY 14224
5 YEAR CD
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Palisades Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.50%
1 Blue Hill Plz, Pearl River, NY 10965 3104
60 Month Certificate
$100,000
0.20%
▼
Rate0.20%
Min Deposit$100,000
Min Balance—
UpdatedMar 25, 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.
Olean, NY CD Rate Trends
Compare local Olean, 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
2.395%
▼ 0.251 from last week
New York 12-month CD rates fell 0.251 points this week to 2.395% APY, down from 2.645% last week.
6-Month CD — NY Avg
2.322%
▼ 0.392 from last week
New York 6-month CD rates fell 0.392 points this week to 2.322% APY, down from 2.714% last week.
As of Mar 25, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Olean, New York
Are CD rates in Olean, New York FDIC insured?
Yes, most established banks in Olean, 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 Olean, 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 Olean, 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 Olean, 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 Olean, 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)
- Newtek Bank: 4.10% APY (6 Month CD)
- AmeriCU Credit Union: 4.00% APY (12 Month Certificate)
- GHS Federal Credit Union: 4.00% APY (Share Certificate - 3 Month)
- Metro Realtors Federal Credit Union: 4.00% APY (18 Month CD for New Member)
Rates reflect recent verified offers available in Olean, New York. Last Updated: March 25, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Olean, 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 Olean, 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 25, 2026
