Plessis, New York Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Plessis, New York CD rates from banks and credit unions serving New York range from 2.94% to 6.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Plessis, New York CD rates include Cornerstone Community Federal Credit UnionCornerstone Community Federal Credit UnionB+4.8 ★Texas Ratio: 17.18%Real return: +2.30%APY minus CPIRate verified Oct 29, 2026 offering 6 Month Youth Share Certificate at 6.00% APY, Italo American Credit UnionItalo American Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.55%APY minus CPIRate verified Oct 30, 2026 offering 5 Year Regular IRA And Roth IRA CD at 5.25% APY, Usalliance Credit UnionUsalliance Credit UnionA5.0 ★Texas Ratio: 8.11%Real return: +1.35%APY minus CPIRate verified Oct 30, 2026 offering 18 Month Certificate at 5.05% APY, Empower Federal Credit UnionEmpower Federal Credit UnionA5.0 ★Texas Ratio: 7.78%Real return: +1.30%APY minus CPIRate verified Oct 31, 2026 offering Share Certificate - 6 Months at 5.00% APY, and Syracuse Fire Department Employees Federal Credit UnionSyracuse Fire Department Employees Federal Credit UnionA+5.0 ★Texas Ratio: 3.25%Real return: +1.30%APY minus CPIRate verified Oct 28, 2026 offering 6-month TSC at 5.00% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Plessis is a smaller community with no bank or credit union branches currently in our database. 754 institutions serving the New York area are available to Plessis residents, with CD rates as high as 6.00% APY from Cornerstone Community Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 31, 2026
Compare Best CD Rates in Plessis, New York & the Surrounding Area
Plessis 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Certificate
$2,500
4.50%
▲ 2.42% above New York avg
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 2.42% above avgNationally 2.13%
Details
Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
- Oct 23, 20264.50%▲ from 2.35%
- Oct 13, 20262.35%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
3 Month Share Certificate
$0
4.50%
▲ 2.42% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.08%▲ 2.42% above avgNationally 2.13%
Details
Minimum balance of $50 required; withdrawals of principal subject to early withdrawal penalties; membership eligibility required; APY fixed for initial term
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 3 Months
$0
4.30%
▲ 2.22% above New York avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.08%▲ 2.22% above avgNationally 2.13%
Details
Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 3 Months
$0
4.25%
▲ 2.17% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 2.17% above avgNationally 2.13%
Details
Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026
Rate History
1 change since Oct 14, 2026 · 4.10% → 4.25% ▲ 0.15 pts · high 4.25% / low 4.10%
- Oct 31, 20264.25%▲ from 4.10%
- Oct 14, 20264.10%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 3 Months
$0
4.23%
▲ 2.15% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 2.15% above avgNationally 2.13%
Details
Rate History
No change since Oct 23, 2026 · 4.23% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Share Certificate
$0
4.20%
▲ 2.12% above New York avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details
Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 3 Months
$0
4.20%
▲ 2.12% above New York avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details
Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
3 Month Online CD
$500
4.10%
▲ 2.02% above New York avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 2.02% above avgNationally 2.13%
Details
Online CD
Rate History
No change since Oct 28, 2026 · 4.10% APY · checked 2 times
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3-Month CD Special
$0
4.06%
▲ 1.98% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.98% above avgNationally 2.13%
Details
Compounded: Simple; Minimum opening deposit $500; maximum deposit $1,000,000; additional terms apply; available at any Adirondack Trust Company retail branch; IRA accounts are not subject to the minimum balance requirement
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 14, 20264.06%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 3 Months
$0
4.03%
▲ 1.95% above New York avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.95% above avgNationally 2.13%
Details
Rate History
No change since Oct 23, 2026 · 4.03% APY · checked 2 times
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
Share Certificate - 3 Month
$0
4.00%
▲ 1.92% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.92% above avgNationally 2.13%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.96%
▲ 1.88% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.88% above avgNationally 2.13%
Details
APYs accurate as of 10/22/2026; simple interest, not compounded; interest credited at maturity; renews automatically at maturity rate; penalty may be imposed for early withdrawal; Online Only
Rate History
1 change since Oct 7, 2026 · 3.70% → 3.96% ▲ 0.26 pts · high 3.96% / low 3.70%
- Oct 26, 20263.96%▲ from 3.70%
- Oct 7, 20263.70%first recorded
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
3-month CD
$0
3.85%
▲ 1.77% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.77% above avgNationally 2.13%
Details
No minimum deposit to open; minimum balance to earn stated APY is $500.00; APY accurate as of 9/25/2026; penalty for early withdrawal
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.72% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.72% above avgNationally 2.13%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 11 times
Industrial and Commercial Bank of China USA
Institution Rating:
B-4.3 ★Texas Ratio: 23.84%
Special Personal CD Promotion - 3-month
$0
3.80%
▲ 1.72% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.72% above avgNationally 2.13%
Details
Special Personal CD Promotion; Deposit Amount: $2,500 Minimum balance; APY effective as of 9/24/2026; ICBC (USA) personal demand deposit customers only; Early withdrawal penalties may apply
Rate History
No change since Oct 28, 2026 · 3.80% APY · checked 2 times
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 3 Month
$500
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Branch Only; Effective: 12/17/2025
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 3 Month
$0
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Balance: $500-$2,499.99; Tier 1; Effective Date: October 01, 2026
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificates Of Deposit
$0
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 3-month
$1,000
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Certificate
$500
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 months up to 6
$10,000
3.70%
▲ 1.62% above New York avg
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 5 times
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
Certificate of Deposit - 3 Month
$1,000
3.70%
▲ 1.62% above New York avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details
Minimum daily balance to earn interest: $1,000.00
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 3 times
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
IRA CD - 3 Month
$1,000
3.70%
▲ 1.62% above New York avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details
Minimum daily balance to earn interest: $1,000.00
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 3 times
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month CD
$0
3.65%
▲ 1.57% above New York avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.57% above avgNationally 2.13%
Details
Compounded Daily; Minimum balance of $1,500 is required to earn the posted APY
Rate History
No change since Oct 20, 2026 · 3.65% APY · checked 4 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 3 Month
$0
3.61%
▲ 1.53% above New York avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.53% above avgNationally 2.13%
Details
Minimum balance $500; Remarks: Credit Monthly
Rate History
No change since Oct 15, 2026 · 3.61% APY · checked 3 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 3 month
$0
3.60%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.52% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 3 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.47% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.47% above avgNationally 2.13%
Details
Balance: $500 or more; Account matures in 3 months; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 10 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details
Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 10 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD 3 Month
$500
3.50%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 6 times
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40%
▲ 1.32% above New York avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.32% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 11 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35%
▲ 1.27% above New York avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.27% above avgNationally 2.13%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 3 months
$0
3.30%
▲ 1.22% above New York avg
▼
Rate3.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 1.22% above avgNationally 2.13%
Details
Balance: $1,000.00 - $249,999.99; Online Account Opening
Rate History
No change since Oct 31, 2026 · 3.30% APY
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 90 Day
$250
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Regular Certificate
$0
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Effective October 22 through October 28, 2026; Youth minimum balance: $50
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Youth Certificate
$50
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Effective October 22 through October 28, 2026; Youth minimum opening balance $50
Rate History
No change since Oct 23, 2026 · 3.25% APY · checked 2 times
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Regular or IRA/HSA Share Certificate; Rates Effective October 28, 2026 to November 3, 2026
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 5 times
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
Certificate Shares - 3 months
$0
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 3.04% → 3.25% ▲ 0.21 pts · high 3.25% / low 3.04%
- Oct 23, 20263.25%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$100,000
3.25%
▲ 1.17% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Certificates with $100,000 minimum to open and earn APY
Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 3 times
Southern Chautauqua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Traditional IRA 3 Months
$0
3.23%
▲ 1.15% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.15% above avgNationally 2.13%
Details
Rate Effective Date: 10/19/2026; Penalty for early withdrawal applies
Rate History
No change since Oct 23, 2026 · 3.23% APY · checked 2 times
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Month Share Certificate Account
$0
3.19%
▲ 1.11% above New York avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 1.11% above avgNationally 2.13%
Details
Balance: $1,000 - >$50,000
Rate History
No change since Oct 22, 2026 · 3.19% APY · checked 3 times
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$25,000
3.10%
▲ 1.02% above New York avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.08%▲ 1.02% above avgNationally 2.13%
Details
Certificates with $25,000 minimum to open and earn APY
Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
3 Month CD
$0
3.05%
▲ 0.97% above New York avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.05% APY · checked 4 times
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
IRA 3 Month CD
$0
3.05%
▲ 0.97% above New York avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.05% APY · checked 4 times
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.56%
3 Month CD
$0
3.03%
▲ 0.95% above New York avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 0.95% above avgNationally 2.13%
Details
Yield column; CD Rates effective 6/5/2026 and subject to change without notice; Certificates of Deposit carry a penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.03% APY · checked 3 times
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.56%
CD 3 Months
$500
3.03%
▲ 0.95% above New York avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.08%▲ 0.95% above avgNationally 2.13%
Details
Yield: 3.03%; CD Rates effective 6/5/2026 and subject to change without notice; Certificates of Deposit carry a penalty for early withdrawal
Rate History
No change since Oct 23, 2026 · 3.03% APY · checked 2 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Certificate of Deposit 3 Month
$500
3.00%
▲ 0.92% above New York avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details
$500 Minimum unless otherwise noted; Early Withdrawal Penalties May Apply; Effective Date: 10/30/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Eastbank, National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit - 3 Months
$0
3.00%
▲ 0.92% above New York avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details
Balance: $2,500.00 - $100,000.00
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Certificate of Deposit - 3 Months
$500
3.00%
▲ 0.92% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details
In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 3 Months
$500
3.00%
▲ 0.92% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details
Available: Online
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Share Certificate - 3 month
$500
3.00%
▲ 0.92% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.08%▲ 0.92% above avgNationally 2.13%
Details
IRA not eligible; Dividends compounded monthly; Early withdrawal penalty may apply
Rate History
No change since Oct 23, 2026 · 3.00% APY · checked 2 times
Plessis 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
6 Month Youth Share Certificate
$0
6.00%
▲ 3.18% above New York avg
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 3.18% above avgNationally 2.79%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 6 times
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 6 Months
$0
5.00%
▲ 2.18% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.79%
Details
Tier 1; Balance: $500-$2,499.99; Effective Date: October 01, 2026
Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6-month TSC
$1,000
5.00%
▲ 2.18% above New York avg
▼
Rate4.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.79%
Details
Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
- Oct 12, 20265.00%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.86%
▲ 2.04% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 2.04% above avgNationally 2.79%
Details
Rate History
No change since Oct 23, 2026 · 4.86% APY · checked 2 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.75%
▲ 1.93% above New York avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.93% above avgNationally 2.79%
Details
Rate History
No change since Oct 23, 2026 · 4.75% APY · checked 2 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.60%
▲ 1.78% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.78% above avgNationally 2.79%
Details
Rate History
No change since Oct 23, 2026 · 4.60% APY · checked 2 times
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Share Certificate - 6 Month
$0
4.55%
▲ 1.73% above New York avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.73% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.55% ▲ 0.55 pts · high 4.55% / low 4.00%
- Oct 29, 20264.55%▲ from 4.00%
- Sep 14, 20264.00%first recorded
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
6 Month Share Certificate
$0
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details
Minimum balance to earn dividends: $1,000.00
Rate History
1 change since Oct 8, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 28, 20264.50%▲ from 4.00%
- Oct 8, 20264.00%first recorded
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
6 Month Youth Share Certificate
$0
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details
Minimum balance to earn dividends: $500.00
Rate History
1 change since Oct 8, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 28, 20264.50%▲ from 4.00%
- Oct 8, 20264.00%first recorded
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Jumbo Certificate
$0
4.50%
▲ 1.68% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details
Effective October 22 through October 28, 2026
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details
Account code 34; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 4 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details
Interest paid monthly; Share code 89
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate 6 Month
$0
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details
Interest paid monthly; minimum $50,000
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificate - 6 Month
$500
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details
Share code 69; Int. Monthly
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
6 Month Share Certificate
$0
4.50%
▲ 1.68% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.79%
Details
Minimum balance of $50 required; withdrawals of principal subject to early withdrawal penalties; membership eligibility required; APY fixed for initial term
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
6 Month Online CD
$500
4.40%
▲ 1.58% above New York avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.79%
Details
Online CD
Rate History
No change since Oct 28, 2026 · 4.40% APY · checked 2 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
6 Month Certificate of Deposit
$1,000
4.40%
▲ 1.58% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.79%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Certificate
$100
4.40%
▲ 1.58% above New York avg
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.79%
Details
Dividend rate 4.31%; Minimum balance to open and earn APY: $100
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 5, 20264.40%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 6 MONTH TERM ACCOUNT
$100
4.40%
▲ 1.58% above New York avg
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.79%
Details
Certificate Accounts; 6-Month Term/IRA Term; Minimum Balance is required to open the account and to obtain the APY shown
Rate History
No change since Oct 15, 2026 · 4.40% APY · checked 3 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
6 Month Share Certificate
$0
4.35%
▲ 1.53% above New York avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.79%
Details
Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 6 Months
$0
4.35%
▲ 1.53% above New York avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.79%
Details
Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6-month CD
$10,000
4.35%
▲ 1.53% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.79%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 6 Months
$0
4.35%
▲ 1.53% above New York avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.79%
Details
Rate History
No change since Oct 26, 2026 · 4.35% APY · checked 2 times
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 6 Months
$0
4.30%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.48% above avgNationally 2.79%
Details
Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026
Rate History
1 change since Oct 14, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
- Oct 31, 20264.30%▲ from 4.15%
- Oct 14, 20264.15%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month CD
$2,500
4.30%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.48% above avgNationally 2.79%
Details
Business CD; maximum deposit $250,000
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
6 Month CNSaver Online CD
$1,000
4.25%
▲ 1.43% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details
Minimum to open is $1,000; Must be opened online; Online Only; Auto Renewal Term: 6-month CNSaver Online CD; Rates are valid as of 10/14/2026
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Regular Certificate
$0
4.25%
▲ 1.43% above New York avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details
Effective October 22 through October 28, 2026; Youth minimum balance: $50
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Youth Certificate
$50
4.25%
▲ 1.43% above New York avg
▼
Rate4.16%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details
Effective October 22 through October 28, 2026; Youth minimum opening balance $50
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.43% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
6 Month Share Certificate
$0
4.25%
▲ 1.43% above New York avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details
6 Month ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Certificate
$500
4.25%
▲ 1.43% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details
4.25% APY based on 6 month certificate; must maintain $500 minimum balance to earn advertised rate; additional deposits not allowed; certificate auto-renews at maturity; rate accurate as of August 3, 2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 9 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Commercial Share Certificate
$500
4.25%
▲ 1.43% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.79%
Details
No Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 8 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.23%
▲ 1.41% above New York avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.41% above avgNationally 2.79%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
- Oct 20, 20264.23%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 Month Certificate of Deposit
$0
4.20%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.79%
Details
Offer applies to New Money Only for domestic personal accounts opened online; APYs effective as of 10/26/2026; penalties may apply to early withdrawals
Rate History
No change since Oct 28, 2026 · 4.20% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
6 Month Certificate of Deposit
$0
4.20%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.79%
Details
FDIC insurance: at least $250,000
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Bank CD - 6 Months
$0
4.20%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.79%
Details
Fixed APY; daily compounding; offered by Morgan Stanley Private Bank, National Association; Featured yields as of 10/22/2026
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 3 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 6 Months
$0
4.20%
▲ 1.38% above New York avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.79%
Details
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 3 times
Ugefcu Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share Certificates - 6 Months
$500
4.15%
▲ 1.33% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.82%▲ 1.33% above avgNationally 2.79%
Details
Compounded/Credited: Monthly/Monthly
Rate History
No change since Sep 25, 2026 · 4.15% APY · checked 3 times
N C P D Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month Certificate
$0
4.15%
▲ 1.33% above New York avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.33% above avgNationally 2.79%
Details
Certificates; Interest compounded quarterly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 22, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 6 Month
$1,000
4.10%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.79%
Details
Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.79%
Details
Annual Percentage Yield; Maximum deposit $10 million; Not available for public units; Limited-time offer; Fees could reduce earnings; Early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 5 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.79%
Details
Short-term growth CD; $2,500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 6 Months
$500
4.07%
▲ 1.25% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.25% above avgNationally 2.79%
Details
Minimum deposit $500.00; Effective 10/29/2026
Rate History
1 change since Oct 22, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 29, 20264.07%▲ from 3.56%
- Oct 22, 20263.56%first recorded
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
6-Month CD Special
$0
4.04%
▲ 1.22% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.22% above avgNationally 2.79%
Details
Compounded: Simple; Minimum opening deposit $500; maximum deposit $1,000,000; additional terms apply; available at any Adirondack Trust Company retail branch; IRA accounts are not subject to the minimum balance requirement
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 14, 20264.04%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Spencerport Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Certificate
$500
4.01%
▲ 1.19% above New York avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.82%▲ 1.19% above avgNationally 2.79%
Details
Rate History
2 changes since Sep 14, 2026 · 3.71% → 4.01% ▲ 0.30 pts · high 4.01% / low 3.71%
- Oct 23, 20264.01%▲ from 3.91%
- Sep 29, 20263.91%▲ from 3.71%
- Sep 14, 20263.71%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CDs - 6 Month
$1,000
4.00%
▲ 1.18% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.79%
Details
Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 9 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 6 Month
$1,000
4.00%
▲ 1.18% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.79%
Details
Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
6 Month CD Special with Active Account
$0
4.00%
▲ 1.18% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.79%
Details
Balance: $100,000 and over; Minimum Daily Balance: $1,000.00; Customer must have a checking or savings account that they actively use (is not dormant) to qualify
Rate History
1 change since Sep 8, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
- Oct 26, 20264.00%▲ from 3.70%
- Sep 8, 20263.70%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 6 months up to 1 year
$1,000
4.00%
▲ 1.18% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.79%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month Certificate of Deposit Special
$500
4.00%
▲ 1.18% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.79%
Details
Effective 10/01/26; minimum daily balance of $0.01 to obtain APY; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
Plessis 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
1 Year Youth Share Certificate
$0
5.50%
▲ 2.46% above New York avg
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 2.46% above avgNationally 3.01%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 6 times
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
12 Month Online CD
$500
4.65%
▲ 1.61% above New York avg
▼
Rate4.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.61% above avgNationally 3.01%
Details
Online CD
Rate History
No change since Oct 28, 2026 · 4.65% APY · checked 2 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Jumbo Certificate
$0
4.60%
▲ 1.56% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.56% above avgNationally 3.01%
Details
Effective October 22 through October 28, 2026
Rate History
No change since Oct 23, 2026 · 4.60% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12-month CD
$10,000
4.60%
▲ 1.56% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.56% above avgNationally 3.01%
Details
Rate History
3 changes since Sep 24, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
- Oct 19, 20264.60%▲ from 4.50%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 12 Months
$0
4.60%
▲ 1.56% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.56% above avgNationally 3.01%
Details
Rate History
No change since Oct 26, 2026 · 4.60% APY · checked 2 times
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year Certificate
$500
4.58%
▲ 1.54% above New York avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.54% above avgNationally 3.01%
Details
Early withdrawal penalty: 120 days simple interest for one year
Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 5 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
12 Month Certificate of Deposit
$0
4.55%
▲ 1.51% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.75% → 4.55% ▼ 0.20 pts · high 4.75% / low 4.55%
- Oct 22, 20264.55%▼ from 4.75%
- Oct 8, 20264.75%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Bank CD - 12 Months
$0
4.55%
▲ 1.51% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details
Fixed APY; daily compounding; offered by Morgan Stanley Private Bank, National Association; Featured yields as of 10/22/2026
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 3 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 12 Months
$0
4.55%
▲ 1.51% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 3 times
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Share Certificate - 12 Month
$0
4.55%
▲ 1.51% above New York avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.55% ▲ 0.55 pts · high 4.55% / low 4.00%
- Oct 29, 20264.55%▲ from 4.00%
- Sep 14, 20264.00%first recorded
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Share Certificate - Lucky Savers (12 Month)
$0
4.55%
▲ 1.51% above New York avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.51% above avgNationally 3.01%
Details
Rate History
1 change since Oct 15, 2026 · 4.00% → 4.55% ▲ 0.55 pts · high 4.55% / low 4.00%
- Oct 29, 20264.55%▲ from 4.00%
- Oct 15, 20264.00%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 12 Months
$0
4.50%
▲ 1.46% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026
Rate History
1 change since Oct 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 31, 20264.50%▲ from 4.25%
- Oct 14, 20264.25%first recorded
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
12 Month Share Certificate
$0
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Minimum balance to earn dividends: $1,000.00
Rate History
1 change since Oct 8, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 28, 20264.50%▲ from 3.50%
- Oct 8, 20263.50%first recorded
First Source Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
12 Month Youth Share Certificate
$0
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Minimum balance to earn dividends: $500.00
Rate History
1 change since Oct 8, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 28, 20264.50%▲ from 3.50%
- Oct 8, 20263.50%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth Conversion IRA TSC
$1,000
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Roth Conversion IRA certificate; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth IRA TSC
$1,000
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Roth IRA; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year TSC
$1,000
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Traditional IRA 1-year TSC
$1,000
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
12 Month Share Certificate
$0
4.50%
▲ 1.46% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
IRA & ESA Certificate 12 Months
$0
4.50%
▲ 1.46% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Traditional & Roth IRA minimum balance $1,000. Coverdell ESA minimum balance $500. Penalty may apply for early withdrawal. Rates effective as of 10/16/26.
Rate History
1 change since Oct 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 12, 20264.00%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 12 Months
$0
4.50%
▲ 1.46% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
12 Month Certificate
$1,000
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Account code 32; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 12 Month
$500
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Interest paid monthly; Share code 83
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate 12 Month
$0
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Interest paid monthly; minimum $50,000
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificate - 12 Month
$500
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Share code 63; Int. Monthly
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Certificate
$100
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Dividend rate 4.41%; Minimum balance to open and earn APY: $100
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 5, 20264.50%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 12 MONTH TERM ACCOUNT
$100
4.50%
▲ 1.46% above New York avg
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
12-Month Term/IRA Term; Certificate Account; Balance: $100.00 minimum to open and earn APY
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 15, 20264.50%▲ from 4.35%
- Sep 14, 20264.35%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
12 Month Share Certificate
$0
4.50%
▲ 1.46% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Minimum balance of $50 required; withdrawals of principal subject to early withdrawal penalties; membership eligibility required; APY fixed for initial term
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Year Regular IRA And Roth IRA CD
$0
4.50%
▲ 1.46% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 4.50% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield CD
$500
4.40%
▲ 1.36% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.36% above avgNationally 3.01%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 22, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 1, 20264.40%▲ from 3.90%
- Sep 22, 20263.90%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 12 Month
$1,000
4.40%
▲ 1.36% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.36% above avgNationally 3.01%
Details
Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 3 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
12 Month Certificate of Deposit
$1,000
4.40%
▲ 1.36% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.36% above avgNationally 3.01%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate CD
$2,500
4.39%
▲ 1.35% above New York avg
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.35% above avgNationally 3.01%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
- Oct 20, 20264.39%▲ from 4.11%
- Oct 14, 20264.11%first recorded
Pacific National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
12 Month Certificate of Deposit
$0
4.35%
▲ 1.31% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.31% above avgNationally 3.01%
Details
Offer applies to New Money Only for domestic personal accounts opened online; APYs effective as of 10/26/2026; penalties may apply to early withdrawals
Rate History
No change since Oct 28, 2026 · 4.35% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.31% above New York avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.31% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 8 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Regular Certificate
$0
4.35%
▲ 1.31% above New York avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.31% above avgNationally 3.01%
Details
Effective October 22 through October 28, 2026; Youth minimum balance: $50
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Youth Certificate
$50
4.35%
▲ 1.31% above New York avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.31% above avgNationally 3.01%
Details
Effective October 22 through October 28, 2026; Youth minimum opening balance $50
Rate History
No change since Oct 23, 2026 · 4.35% APY · checked 2 times
MyBankingDirect.com
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12-Month CD
$500
4.30%
▲ 1.26% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.26% above avgNationally 3.01%
Details
Limited-Time CD Rate; APY accurate as of 10/30/2026; Maximum deposit $10 million; Not available for public units or Business CDs; Open online at flagstar.com; Online Only
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 4 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CDs - 12 Month
$1,000
4.30%
▲ 1.26% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.26% above avgNationally 3.01%
Details
Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 9 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 12 Month
$1,000
4.30%
▲ 1.26% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.26% above avgNationally 3.01%
Details
Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month Business CD
$500
4.30%
▲ 1.26% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.26% above avgNationally 3.01%
Details
Annual Percentage Yield; Maximum deposit $10 million; Not available for public units; Limited-time offer; Fees could reduce earnings; Early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 5 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.26% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average3.04%▲ 1.26% above avgNationally 3.01%
Details
Top rate CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 12 Months
$0
4.27%
▲ 1.23% above New York avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.23% above avgNationally 3.01%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.27% APY · checked 4 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
12 Month Youth Share Certificate
$100
4.26%
▲ 1.22% above New York avg
▼
Rate4.18%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average3.04%▲ 1.22% above avgNationally 3.01%
Details
Youth Share Certificate (up to age 17); Minimum to open: $100; maximum yearly deposit $30,000
Rate History
No change since Oct 15, 2026 · 4.26% APY · checked 3 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
1 Year Fixed Rate CD
$0
4.25%
▲ 1.21% above New York avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Featured Rate; Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Citi
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
Fixed Rate CD - 1-Year
$0
4.25%
▲ 1.21% above New York avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Featured Rate; Balance: All balance ranges
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 2 times
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
12 Month CNSaver Online CD
$1,000
4.25%
▲ 1.21% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Minimum to open is $1,000; Must be opened online; Online Only; Auto Renewal Term: 6-month CNSaver Online CD; Rates are valid as of 10/14/2026
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 3 times
Seneca Savings
Institution Rating:
A5.0 ★Texas Ratio: 9.60%
6-12 Month Certificate of Deposit
$25,000
4.25%
▲ 1.21% above New York avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Certificate of Deposit Special; You pick your term: 6 or 12 months; No new money required; Must be a new CD funded of at least $25,000 to qualify; Early withdrawal penalties may apply; Rate is effective 8/25/2026
Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 10 times
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 Months CD
$0
4.25%
▲ 1.21% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Certificates of Deposit Specials
Rate History
4 changes since Sep 19, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
- Oct 31, 20264.25%▲ from 4.00%
- Oct 20, 20264.00%▲ from 3.50%
- Oct 14, 20263.50%▼ from 3.95%
- Sep 24, 20263.95%▲ from 3.45%
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
Certificate of Deposit - 12 Month
$1,000
4.25%
▲ 1.21% above New York avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Minimum daily balance to earn interest: $1,000.00
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 3 times
Plessis 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Usalliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Certificate
$0
5.05%
▲ 2.10% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 2.10% above avgNationally 2.91%
Details
Special Rate
Rate History
No change since Oct 30, 2026 · 5.05% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18-month CD
$10,000
4.80%
▲ 1.85% above New York avg
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 1.85% above avgNationally 2.91%
Details
Rate History
4 changes since Sep 24, 2026 · 4.35% → 4.80% ▲ 0.45 pts · high 4.80% / low 4.35%
- Oct 26, 20264.80%▲ from 4.75%
- Oct 19, 20264.75%▲ from 4.65%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 18 Months
$0
4.80%
▲ 1.85% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 1.85% above avgNationally 2.91%
Details
Rate History
No change since Oct 26, 2026 · 4.80% APY · checked 2 times
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
18 Month Online CD
$500
4.70%
▲ 1.75% above New York avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.75% above avgNationally 2.91%
Details
Online CD
Rate History
No change since Oct 28, 2026 · 4.70% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Month Certificate of Deposit
$0
4.55%
▲ 1.60% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.60% above avgNationally 2.91%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.40% → 4.55% ▲ 0.15 pts · high 4.55% / low 4.40%
- Oct 22, 20264.55%▲ from 4.40%
- Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Bank CD - 18 Months
$0
4.55%
▲ 1.60% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.60% above avgNationally 2.91%
Details
Fixed APY; daily compounding; offered by Morgan Stanley Private Bank, National Association; Featured yields as of 10/22/2026
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 3 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 18 Months
$0
4.55%
▲ 1.60% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.60% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 3 times
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 18 Months
$0
4.50%
▲ 1.55% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details
Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026
Rate History
1 change since Oct 14, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 31, 20264.50%▲ from 4.30%
- Oct 14, 20264.30%first recorded
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 18 Month
$0
4.50%
▲ 1.55% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details
Balance: $500-$2,499.99 - Tier 1
Rate History
No change since Oct 22, 2026 · 4.50% APY · checked 3 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month Roth IRA TSC
$1,000
4.50%
▲ 1.55% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details
Roth IRA; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month TSC
$1,000
4.50%
▲ 1.55% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details
Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Traditional IRA 18-month TSC
$1,000
4.50%
▲ 1.55% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
18 Month Share Certificate
$0
4.50%
▲ 1.55% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details
Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 18 Months
$0
4.50%
▲ 1.55% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.55% above avgNationally 2.91%
Details
Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
No change since Oct 23, 2026 · 4.50% APY · checked 2 times
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18 Month Variable Rate IRA
$100
4.46%
▲ 1.51% above New York avg
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.51% above avgNationally 2.91%
Details
Variable rate: rate and APY adjusted per the 1 Year Treasury Constant Maturities as published by the Federal Reserve; IRA only
Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
- Oct 7, 20264.46%▲ from 4.15%
- Sep 19, 20264.15%first recorded
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18-Month CD
$500
4.44%
▲ 1.49% above New York avg
▼
Rate4.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.49% above avgNationally 2.91%
Details
New money only; financial institutions ineligible
Rate History
No change since Oct 14, 2026 · 4.44% APY · checked 5 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40%
▲ 1.45% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.45% above avgNationally 2.91%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 1 1/2 Years (18 Months)
$250
4.40%
▲ 1.45% above New York avg
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.95%▲ 1.45% above avgNationally 2.91%
Details
Term: 1 1/2 Years (18 Months)
Rate History
No change since Oct 22, 2026 · 4.40% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.37%
▲ 1.42% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.42% above avgNationally 2.91%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
18 Month Certificate of Deposit
$500
4.35%
▲ 1.40% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.95%▲ 1.40% above avgNationally 2.91%
Details
In-Branch; APY effective as of 10/20/2026
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 22, 20264.35%▲ from 3.90%
- Sep 20, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Certificate of Deposit - 18 Months
$500
4.35%
▲ 1.40% above New York avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.95%▲ 1.40% above avgNationally 2.91%
Details
In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 18 Months
$500
4.35%
▲ 1.40% above New York avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.95%▲ 1.40% above avgNationally 2.91%
Details
Available: Online
Rate History
No change since Oct 22, 2026 · 4.35% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.32%
▲ 1.37% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.37% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Business Certificates - 18-Month
$100
4.30%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 31, 20264.30%▲ from 4.00%
- Sep 24, 20264.00%first recorded
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Certificate - 18-Month
$100
4.30%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 31, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Individual Retirement Accounts - 18-Month
$100
4.30%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details
Rate History
No change since Oct 31, 2026 · 4.30% APY
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18-Month CD - Promo
$0
4.30%
▲ 1.35% above New York avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details
Promotional product; can be discontinued at any time
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 8 times
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
Share/IRA Certificate - 18 months
$500
4.30%
▲ 1.35% above New York avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 1.35% above avgNationally 2.91%
Details
Balance to earn minimum APY: $500
Rate History
No change since Oct 26, 2026 · 4.30% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25%
▲ 1.30% above New York avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
18 Month Hope Preferred CD
$1,000
4.25%
▲ 1.30% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Featured rate from 'Earn More with the Hope Preferred CD' banner; APY accurate as of 10/16/2026; APYs vary by term and deposit amount; $1,000.00 minimum balance required to obtain stated APY; Online account opening
Rate History
No change since Oct 31, 2026 · 4.25% APY
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 4.07%
Hope Preferred CD - 18 months
$0
4.25%
▲ 1.30% above New York avg
▼
Rate4.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Balance: $1,000.00 - $249,999.99; Online Account Opening
Rate History
No change since Oct 31, 2026 · 4.25% APY
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
18 Month CD
$1,000
4.25%
▲ 1.30% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000
Rate History
No change since Oct 26, 2026 · 4.25% APY · checked 3 times
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 - 18 Month CD
$0
4.25%
▲ 1.30% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
CD Rates; Certificate of Deposit
Rate History
No change since Oct 31, 2026 · 4.25% APY
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
12 - 18 Month Certificate of Deposit
$0
4.25%
▲ 1.30% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Homepage banner text: CD Rates 12 - 18 Months 4.25 APY (Annual Percentage Yield)
Rate History
No change since Oct 31, 2026 · 4.25% APY
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
18 Months CD
$0
4.25%
▲ 1.30% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Certificates of Deposit Specials
Rate History
4 changes since Sep 19, 2026 · 3.60% → 4.25% ▲ 0.65 pts · high 4.25% / low 3.50%
- Oct 31, 20264.25%▲ from 4.00%
- Oct 20, 20264.00%▲ from 3.50%
- Oct 14, 20263.50%▼ from 4.00%
- Sep 24, 20264.00%▲ from 3.60%
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Certificate of Deposit - 12 - 18 Months
$500
4.25%
▲ 1.30% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Substantial penalty for early withdrawal. Fees may reduce earnings.
Rate History
No change since Oct 31, 2026 · 4.25% APY
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 18 Months
$50
4.25%
▲ 1.30% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Rates effective as of 10/07/26
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 1.30% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.95%▲ 1.30% above avgNationally 2.91%
Details
Balanced growth CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 6 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24%
▲ 1.29% above New York avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.29% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 4 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 18 Month
$0
4.18%
▲ 1.23% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.23% above avgNationally 2.91%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.18% APY · checked 3 times
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 18 Months
$500
4.18%
▲ 1.23% above New York avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.23% above avgNationally 2.91%
Details
Minimum deposit $500.00; Effective 10/29/2026
Rate History
1 change since Oct 22, 2026 · 3.76% → 4.18% ▲ 0.42 pts · high 4.18% / low 3.76%
- Oct 29, 20264.18%▲ from 3.76%
- Oct 22, 20263.76%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.16%
▲ 1.21% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.21% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.16% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.20% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.20% above avgNationally 2.91%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
18 Month CD Special with Active Account
$0
4.15%
▲ 1.20% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.20% above avgNationally 2.91%
Details
Balance: $100,000 and over; Minimum Daily Balance: $1,000.00; Customer must have a checking or savings account that they actively use (is not dormant) to qualify
Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 14 times
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Trailblazer - 18 Months
$0
4.15%
▲ 1.20% above New York avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.20% above avgNationally 2.91%
Details
Effective Date: 08/01/2025
Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 3 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
18 Month Certificate
$500
4.13%
▲ 1.18% above New York avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.95%▲ 1.18% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
1 change since Oct 15, 2026 · 4.08% → 4.13% ▲ 0.05 pts · high 4.13% / low 4.08%
- Oct 23, 20264.13%▲ from 4.08%
- Oct 15, 20264.08%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.15% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.95%▲ 1.15% above avgNationally 2.91%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
Share Certificate 18 Month Jumbo
$0
4.10%
▲ 1.15% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.15% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.10% APY · checked 2 times
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
Regular Certificate - 18 Month
$0
4.10%
▲ 1.15% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.15% above avgNationally 2.91%
Details
Balance: $1000; REGULAR certificate table under Regular Certificate Rates (effective 9/1/2026)
Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-Month Certificate IRA
$1,000
4.07%
▲ 1.12% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.95%▲ 1.12% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 11 times
Plessis 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
2 Year Youth Share Certificate
$0
5.00%
▲ 2.10% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 2.10% above avgNationally 2.91%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 6 times
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
24 Month Online CD
$500
4.80%
▲ 1.90% above New York avg
▼
Rate4.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.90% above avgNationally 2.91%
Details
Online CD
Rate History
No change since Oct 28, 2026 · 4.80% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Month Certificate of Deposit
$0
4.80%
▲ 1.90% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.90% above avgNationally 2.91%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
- Oct 22, 20264.80%▲ from 4.40%
- Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 24 Months
$0
4.80%
▲ 1.90% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.90% above avgNationally 2.91%
Details
Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 24 Months
$0
4.80%
▲ 1.90% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.90% above avgNationally 2.91%
Details
Rate History
No change since Oct 26, 2026 · 4.80% APY · checked 2 times
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Regular IRA And Roth IRA CD
$0
4.75%
▲ 1.85% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.85% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 4.75% APY · checked 3 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60%
▲ 1.70% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.70% above avgNationally 2.91%
Details
Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.60% APY · checked 3 times
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
2-Year Treasury Indexed CD
$0
4.59%
▲ 1.69% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.69% above avgNationally 2.91%
Details
Campaign: TOP THE TREASURY; variable yield account with no cap
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 9 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 2-year
$1,000
4.55%
▲ 1.65% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.65% above avgNationally 2.91%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 3 times
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year Certificate
$500
4.53%
▲ 1.63% above New York avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.63% above avgNationally 2.91%
Details
Early withdrawal penalty: 180 days simple interest
Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 5 times
Sawyer Savings Bank
Institution Rating:
B4.6 ★Texas Ratio: 19.69%
Certificates of Deposit - 24 Month
$0
4.50%
▲ 1.60% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.60% above avgNationally 2.91%
Details
Minimum CD balance to earn APY is $500; Early withdrawal penalties may be assessed
Rate History
1 change since Oct 22, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 27, 20264.50%▲ from 4.00%
- Oct 22, 20264.00%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
24 Month Certificate of Deposit
$500
4.45%
▲ 1.55% above New York avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.55% above avgNationally 2.91%
Details
In-Branch; APY effective as of 10/20/2026
Rate History
2 changes since Sep 20, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 22, 20264.45%▲ from 4.30%
- Oct 3, 20264.30%▲ from 4.25%
- Sep 20, 20264.25%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Certificate of Deposit - 24 Months
$500
4.45%
▲ 1.55% above New York avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.55% above avgNationally 2.91%
Details
In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY
Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 24 Months
$500
4.45%
▲ 1.55% above New York avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.90%▲ 1.55% above avgNationally 2.91%
Details
Available: Online
Rate History
No change since Oct 22, 2026 · 4.45% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.42%
▲ 1.52% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.52% above avgNationally 2.91%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40%
▲ 1.50% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CDs - 24 Month
$1,000
4.40%
▲ 1.50% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details
Only available to existing Premier customers; Minimum balance to obtain APY: More than $0; Minimum balance to open account online: $1,000; Not available to business customers
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 9 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Wealth Center/Telephone CD - 24 Month
$1,000
4.40%
▲ 1.50% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details
Wealth Center or Telephone Only; Minimum balance to obtain APY: More than $0; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 26, 2026 · 4.40% APY · checked 2 times
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2-Year CD - Promo
$0
4.40%
▲ 1.50% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details
Promotional product; can be discontinued at any time
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 8 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
24 Month Certificate of Deposit
$1,000
4.40%
▲ 1.50% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 12, 20264.40%▲ from 4.20%
- Sep 25, 20264.20%first recorded
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.14%
Share/IRA Certificate - 24 months
$500
4.40%
▲ 1.50% above New York avg
▼
Rate4.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.50% above avgNationally 2.91%
Details
Balance to earn minimum APY: $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.40% ▲ 1.40 pts · high 4.40% / low 3.00%
- Oct 26, 20264.40%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.37%
▲ 1.47% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.47% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 24 month
$0
4.35%
▲ 1.45% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.45% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.35% APY · checked 3 times
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 24 Months
$0
4.35%
▲ 1.45% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.45% above avgNationally 2.91%
Details
Consumer; Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/29/2026
Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
N C P D Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24 Month Certificate
$0
4.35%
▲ 1.45% above New York avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.45% above avgNationally 2.91%
Details
Certificates; Interest compounded quarterly
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
- Sep 22, 20264.35%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 2 Year
$0
4.34%
▲ 1.44% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.44% above avgNationally 2.91%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.34% APY · checked 3 times
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Long-Term Certificates - 24 Month Certificate
$50,000
4.34%
▲ 1.44% above New York avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.44% above avgNationally 2.91%
Details
Rate History
No change since Oct 26, 2026 · 4.34% APY · checked 2 times
Town of Hempstead Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
24 Month Kids Club Certificate
$0
4.33%
▲ 1.43% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.43% above avgNationally 2.91%
Details
Balance: $400.00 - $50,000.00
Rate History
No change since Oct 22, 2026 · 4.33% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30%
▲ 1.40% above New York avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.40% above avgNationally 2.91%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29%
▲ 1.39% above New York avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.39% above avgNationally 2.91%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 4 times
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24 Month CD
$1,000
4.25%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details
Promotional APY on 18 & 24-month CDs; Minimum opening deposit $1,000
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 13 times
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
CD - 24 month
$500
4.25%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 4 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Share Certificate - 24 month
$500
4.25%
▲ 1.35% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details
IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.35% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.96%
Share Certificate - 24 Month
$0
4.25%
▲ 1.35% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 29, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 24 Months
$50
4.25%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details
Rates effective as of 10/07/26
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 3 times
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
7 - 24 Month Share Certificate
$0
4.25%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details
Choose Your Own Term!
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 5 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.35% above avgNationally 2.91%
Details
Long-term security CD; $500 minimum opening deposit; maximum deposit $10 million; not available for public units or Business CDs
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 24 Months
$500
4.23%
▲ 1.33% above New York avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.33% above avgNationally 2.91%
Details
Minimum deposit $500.00; Effective 10/29/2026
Rate History
1 change since Oct 22, 2026 · 3.82% → 4.23% ▲ 0.41 pts · high 4.23% / low 3.82%
- Oct 29, 20264.23%▲ from 3.82%
- Oct 22, 20263.82%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.22%
▲ 1.32% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.90%▲ 1.32% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 4.22% APY · checked 4 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 24 Month Jumbo
$0
4.16%
▲ 1.26% above New York avg
▼
Rate4.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.26% above avgNationally 2.91%
Details
Jumbo Certificate Minimum Balance: $100,000
Rate History
No change since Oct 23, 2026 · 4.16% APY · checked 2 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 24 Month
$500
4.15%
▲ 1.25% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details
Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.
Rate History
No change since Oct 23, 2026 · 4.15% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$0
4.15%
▲ 1.25% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 19, 2026 · 4.15% APY · checked 3 times
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24 Month Share & IRA Certificates
$500
4.15%
▲ 1.25% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 1, 20264.15%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
24-Month Certificate
$500
4.15%
▲ 1.25% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details
Featured certificate rate; Rates as of 10/1/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
- Oct 6, 20264.15%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate - 24 months
$500
4.15%
▲ 1.25% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.90%▲ 1.25% above avgNationally 2.91%
Details
Dividends paid monthly; Rates as of 10/1/2026
Rate History
No change since Oct 19, 2026 · 4.15% APY · checked 3 times
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 2 Years
$0
4.11%
▲ 1.21% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.21% above avgNationally 2.91%
Details
Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest
Rate History
No change since Oct 23, 2026 · 4.11% APY · checked 2 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
2-Year Share Certificate
$1,000
4.10%
▲ 1.20% above New York avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.20% above avgNationally 2.91%
Details
Penalty for early withdrawal: 6 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Oct 15, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
24 Month Certificate
$500
4.08%
▲ 1.18% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.90%▲ 1.18% above avgNationally 2.91%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 3 times
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Share & IRA Certificate - 24 Months
$0
4.08%
▲ 1.18% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.90%▲ 1.18% above avgNationally 2.91%
Details
Rates effective 10/1/2026; Early termination penalty: 60 days
Rate History
No change since Oct 13, 2026 · 4.08% APY · checked 4 times
Plessis 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 36 Month CD
$0
4.90%
▲ 2.20% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 2.20% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.90% APY · checked 4 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 36 Month CD
$0
4.90%
▲ 2.20% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 2.20% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 4.90% APY · checked 5 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
36 Month Term Account
$0
4.90%
▲ 2.20% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 2.20% above avgNationally 2.82%
Details
Certificate Accounts; Single - 36 MONTH TERM ACCOUNT; minimum deposit of $100 required to open and earn the APY; penalty for withdrawal before maturity
Rate History
No change since Oct 23, 2026 · 4.90% APY · checked 2 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 36 MONTH TERM ACCOUNT
$100
4.90%
▲ 2.20% above New York avg
▼
Rate4.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 2.20% above avgNationally 2.82%
Details
36-Month Term/IRA Term; Single account; Dividends compounded and paid monthly; Penalty for withdrawal before maturity; Rates in effect as of 10/19/26
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%
- Oct 23, 20264.90%▲ from 4.00%
- Oct 13, 20264.00%first recorded
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
36 Month Online CD
$500
4.85%
▲ 2.15% above New York avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 2.15% above avgNationally 2.82%
Details
Online CD
Rate History
No change since Oct 28, 2026 · 4.85% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 36 Months
$0
4.85%
▲ 2.15% above New York avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 2.15% above avgNationally 2.82%
Details
Rate History
No change since Oct 26, 2026 · 4.85% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Month Certificate of Deposit
$0
4.80%
▲ 2.10% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 2.10% above avgNationally 2.82%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
- Oct 22, 20264.80%▲ from 4.40%
- Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 36 Months
$0
4.80%
▲ 2.10% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 2.10% above avgNationally 2.82%
Details
Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 3 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 3-year
$1,000
4.55%
▲ 1.85% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.70%▲ 1.85% above avgNationally 2.82%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.52%
▲ 1.82% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.82% above avgNationally 2.82%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.52%
▲ 1.82% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.82% above avgNationally 2.82%
Details
$100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.11% → 4.52% ▲ 0.41 pts · high 4.52% / low 4.11%
- Oct 20, 20264.52%▲ from 4.11%
- Sep 8, 20264.11%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 36 Months
$50
4.50%
▲ 1.80% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.80% above avgNationally 2.82%
Details
Rates effective as of 10/07/26
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.47%
▲ 1.77% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.77% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.47% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.47%
▲ 1.77% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.77% above avgNationally 2.82%
Details
Rate History
1 change since Sep 8, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
- Oct 20, 20264.47%▲ from 4.06%
- Sep 8, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40%
▲ 1.70% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.70% above avgNationally 2.82%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
36 Month Certificate of Deposit
$1,000
4.40%
▲ 1.70% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.70% above avgNationally 2.82%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 12, 20264.40%▲ from 4.25%
- Sep 25, 20264.25%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36 Month Share & IRA Certificates
$500
4.35%
▲ 1.65% above New York avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 1.65% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 1, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36-Month Certificate
$500
4.35%
▲ 1.65% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 1.65% above avgNationally 2.82%
Details
Featured certificate rate; Rates as of 10/1/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 6, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate - 36 months
$500
4.35%
▲ 1.65% above New York avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 1.65% above avgNationally 2.82%
Details
Dividends paid monthly; Rates as of 10/1/2026
Rate History
No change since Oct 19, 2026 · 4.35% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.32%
▲ 1.62% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.62% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.32% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.32%
▲ 1.62% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.62% above avgNationally 2.82%
Details
Rate History
1 change since Sep 8, 2026 · 3.91% → 4.32% ▲ 0.41 pts · high 4.32% / low 3.91%
- Oct 20, 20264.32%▲ from 3.91%
- Sep 8, 20263.91%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 3 Year
$0
4.29%
▲ 1.59% above New York avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.59% above avgNationally 2.82%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 3 times
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 36 Months
$500
4.28%
▲ 1.58% above New York avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.58% above avgNationally 2.82%
Details
Minimum deposit $500.00; Effective 10/29/2026
Rate History
1 change since Oct 22, 2026 · 3.87% → 4.28% ▲ 0.41 pts · high 4.28% / low 3.87%
- Oct 29, 20264.28%▲ from 3.87%
- Oct 22, 20263.87%first recorded
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.55% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.55% above avgNationally 2.82%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 3 Years
$0
4.22%
▲ 1.52% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.52% above avgNationally 2.82%
Details
Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest
Rate History
No change since Oct 23, 2026 · 4.22% APY · checked 2 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 36 Month
$500
4.20%
▲ 1.50% above New York avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.50% above avgNationally 2.82%
Details
Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.
Rate History
No change since Oct 23, 2026 · 4.20% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.45% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.45% above avgNationally 2.82%
Details
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
4.15%
▲ 1.45% above New York avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.45% above avgNationally 2.82%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.98% → 4.15% ▲ 0.17 pts · high 4.15% / low 3.98%
- Oct 15, 20264.15%▲ from 3.98%
- Sep 14, 20263.98%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.40% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.10%
▲ 1.40% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 5 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 years up to 4
$1,000
4.10%
▲ 1.40% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 5 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 3 years up to 4
$1,000
4.10%
▲ 1.40% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details
Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 5 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 36 Month
$500
4.10%
▲ 1.40% above New York avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.40% above avgNationally 2.82%
Details
Minimum to open and obtain APY is $500
Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 3 times
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month CD
$1,000
4.07%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.37% above avgNationally 2.82%
Details
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 3 times
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Traditional Share Certificate
$5,000
4.07%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.37% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 5, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Term Share Account - 36 Months
$500
4.07%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.37% above avgNationally 2.82%
Details
IRA Term Share Accounts
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.01%
▲ 1.31% above New York avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.31% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 4.01% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 36 Months
$0
4.01%
▲ 1.31% above New York avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.70%▲ 1.31% above avgNationally 2.82%
Details
Rate History
1 change since Sep 8, 2026 · 3.60% → 4.01% ▲ 0.41 pts · high 4.01% / low 3.60%
- Oct 20, 20264.01%▲ from 3.60%
- Sep 8, 20263.60%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 3 Years (36 Months)
$250
4.00%
▲ 1.30% above New York avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.70%▲ 1.30% above avgNationally 2.82%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
3 Year Certificate
$0
4.00%
▲ 1.30% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.30% above avgNationally 2.82%
Details
Certificates of Deposit (CD); $500.00 minimum balance; Substantial penalties for early withdrawal may apply.
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3 Year IRA Certificate
$0
4.00%
▲ 1.30% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.30% above avgNationally 2.82%
Details
3 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
3 Year Share Certificate
$0
4.00%
▲ 1.30% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.30% above avgNationally 2.82%
Details
3 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Lower East Side Peoples Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
36 Month Share Certificate
$500
4.00%
▲ 1.30% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.30% above avgNationally 2.82%
Details
Balance: Over $200,000; Term range 3.50%-4.00%; Payment: Annual; Early withdrawal penalty: 180 days
Rate History
No change since Oct 29, 2026 · 4.00% APY
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Account 36-Month
$500
4.00%
▲ 1.30% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.70%▲ 1.30% above avgNationally 2.82%
Details
Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10%
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3-Year CD
$0
3.97%
▲ 1.27% above New York avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.27% above avgNationally 2.82%
Details
$100,000; Balance: $100,000 and over; Dividends credited semi-annually. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings.
Rate History
No change since Oct 23, 2026 · 3.97% APY · checked 2 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 36 Month Jumbo
$0
3.96%
▲ 1.26% above New York avg
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.70%▲ 1.26% above avgNationally 2.82%
Details
Jumbo Certificate Minimum Balance: $100,000
Rate History
No change since Oct 23, 2026 · 3.96% APY · checked 2 times
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 Month IRA Certificate Jumbo
$0
3.96%
▲ 1.26% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.26% above avgNationally 2.82%
Details
Jumbo Share Certificate = $100,000 or more; Early withdrawal penalty may be imposed
Rate History
1 change since Sep 14, 2026 · 3.80% → 3.96% ▲ 0.16 pts · high 3.96% / low 3.80%
- Oct 13, 20263.96%▲ from 3.80%
- Sep 14, 20263.80%first recorded
SERVU Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 Month Jumbo Certificate
$0
3.96%
▲ 1.26% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.26% above avgNationally 2.82%
Details
Jumbo Share Certificate = $100,000 or more; Early withdrawal penalty may be imposed
Rate History
No change since Oct 23, 2026 · 3.96% APY · checked 2 times
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit 36 Month
$0
3.95%
▲ 1.25% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.25% above avgNationally 2.82%
Details
Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 4 times
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
36 Month Share Certificate
$0
3.95%
▲ 1.25% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.70%▲ 1.25% above avgNationally 2.82%
Details
Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 3 times
Plessis 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Certificate
$100
5.00%
▲ 2.40% above New York avg
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 2.40% above avgNationally 2.81%
Details
Dividend rate 4.89%; Minimum balance to open and earn APY: $100
Rate History
1 change since Sep 14, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
- Oct 23, 20265.00%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 48 MONTH TERM ACCOUNT
$0
5.00%
▲ 2.40% above New York avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 2.40% above avgNationally 2.81%
Details
Certificate Account; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity; Term/IRA Term table
Rate History
No change since Oct 23, 2026 · 5.00% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 48 Months
$0
4.95%
▲ 2.35% above New York avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.60%▲ 2.35% above avgNationally 2.81%
Details
Rate History
No change since Oct 26, 2026 · 4.95% APY · checked 2 times
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
48 Month Online CD
$500
4.85%
▲ 2.25% above New York avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 2.25% above avgNationally 2.81%
Details
Online CD
Rate History
No change since Oct 28, 2026 · 4.85% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.58%
▲ 1.98% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.98% above avgNationally 2.81%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.58%
▲ 1.98% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.98% above avgNationally 2.81%
Details
$100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
- Oct 20, 20264.58%▲ from 4.22%
- Sep 8, 20264.22%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 4-year
$1,000
4.55%
▲ 1.95% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.60%▲ 1.95% above avgNationally 2.81%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.52%
▲ 1.92% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.92% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.52% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.52%
▲ 1.92% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.92% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
- Oct 20, 20264.52%▲ from 4.16%
- Sep 8, 20264.16%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 48 Months
$50
4.50%
▲ 1.90% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.90% above avgNationally 2.81%
Details
Rates effective as of 10/07/26
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40%
▲ 1.80% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.80% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
48 Month Certificate of Deposit
$1,000
4.40%
▲ 1.80% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.80% above avgNationally 2.81%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 12, 20264.40%▲ from 4.30%
- Sep 25, 20264.30%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 4 Year
$0
4.39%
▲ 1.79% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.79% above avgNationally 2.81%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 3 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 48 Month CD
$0
4.38%
▲ 1.78% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.78% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.38% APY · checked 4 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 48 Month CD
$0
4.38%
▲ 1.78% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.78% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.38% APY · checked 5 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.37%
▲ 1.77% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.77% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.37% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.37%
▲ 1.77% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.77% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 4.01% → 4.37% ▲ 0.36 pts · high 4.37% / low 4.01%
- Oct 20, 20264.37%▲ from 4.01%
- Sep 8, 20264.01%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
4 Year Certificate
$500
4.34%
▲ 1.74% above New York avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.74% above avgNationally 2.81%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.34% ▲ 0.31 pts · high 4.34% / low 4.03%
- Oct 5, 20264.34%▲ from 4.03%
- Sep 14, 20264.03%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 4 Years
$0
4.32%
▲ 1.72% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.72% above avgNationally 2.81%
Details
Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest
Rate History
No change since Oct 23, 2026 · 4.32% APY · checked 2 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 48 Month
$500
4.25%
▲ 1.65% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.65% above avgNationally 2.81%
Details
Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
48 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.65% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.65% above avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.20%
▲ 1.60% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.60% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 5 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 4 years up to 5
$1,000
4.20%
▲ 1.60% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.60% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 5 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 4 years up to 5
$1,000
4.20%
▲ 1.60% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.60% above avgNationally 2.81%
Details
Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 5 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.20%
▲ 1.60% above New York avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.60% above avgNationally 2.81%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.20% ▲ 0.17 pts · high 4.20% / low 4.03%
- Oct 15, 20264.20%▲ from 4.03%
- Sep 14, 20264.03%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 48 Month
$500
4.15%
▲ 1.55% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.55% above avgNationally 2.81%
Details
Minimum to open and obtain APY is $500
Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 3 times
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month CD
$1,000
4.07%
▲ 1.47% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.47% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.06%
▲ 1.46% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
4.06%
▲ 1.46% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.46% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
- Oct 20, 20264.06%▲ from 3.70%
- Sep 8, 20263.70%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 4 Year
$0
4.06%
▲ 1.46% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.46% above avgNationally 2.81%
Details
Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 23, 2026 · 4.06% APY · checked 2 times
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Account 48-Month
$500
4.05%
▲ 1.45% above New York avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.60%▲ 1.45% above avgNationally 2.81%
Details
Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10%
Rate History
No change since Oct 19, 2026 · 4.05% APY · checked 3 times
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
48 Month CD
$0
4.00%
▲ 1.40% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details
Maximum $1,000,000.00 New Money per tax ID number
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 5 times
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 4 Years (48 Months)
$250
4.00%
▲ 1.40% above New York avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 48 Month Jumbo
$0
4.00%
▲ 1.40% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details
Jumbo Certificate Minimum Balance: $100,000
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit 48 Month
$0
4.00%
▲ 1.40% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
4 Year IRA Certificate
$0
4.00%
▲ 1.40% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details
4 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
4 Year Share Certificate
$0
4.00%
▲ 1.40% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.40% above avgNationally 2.81%
Details
4 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
48 Month Share Certificate
$0
3.95%
▲ 1.35% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.35% above avgNationally 2.81%
Details
Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 3 times
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 4 Year
$0
3.93%
▲ 1.33% above New York avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.33% above avgNationally 2.81%
Details
Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 23, 2026 · 3.93% APY · checked 2 times
Next Step Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month Certificate Accounts
$0
3.92%
▲ 1.32% above New York avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.60%▲ 1.32% above avgNationally 2.81%
Details
With step up option; Certificates over $50,000: Add 10 basis points (0.10%) [includes Trad, Education & Roth IRA]
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 9 times
Next Step Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
48 Month Share Certificate
$0
3.92%
▲ 1.32% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.60%▲ 1.32% above avgNationally 2.81%
Details
Featured share certificate; Step-up option available on 36 - 60-month certificates
Rate History
No change since Oct 1, 2026 · 3.92% APY · checked 7 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
3.91%
▲ 1.31% above New York avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.31% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 48 Months
$0
3.91%
▲ 1.31% above New York avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.60%▲ 1.31% above avgNationally 2.81%
Details
Rate History
1 change since Sep 8, 2026 · 3.55% → 3.91% ▲ 0.36 pts · high 3.91% / low 3.55%
- Oct 20, 20263.91%▲ from 3.55%
- Sep 8, 20263.55%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Certificate - 48 Months
$0
3.85%
▲ 1.25% above New York avg
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.25% above avgNationally 2.81%
Details
Certificate Minimum Balance: $1,000
Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 3 times
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
48 Month Share Certificate
$0
3.85%
▲ 1.25% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.25% above avgNationally 2.81%
Details
Balance: $25,000.00 - $75,000.00; Rate column unlabeled, footnote defines rates as APY
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
Jumbo Certificate - 4 Year
$0
3.85%
▲ 1.25% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.25% above avgNationally 2.81%
Details
Jumbo certificate, Minimum Balance: $50,000; Certificate Rates effective 9/1/2026
Rate History
No change since Oct 26, 2026 · 3.85% APY · checked 2 times
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.19%
Share & IRA Certificate - 48 Months
$0
3.82%
▲ 1.22% above New York avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.22% above avgNationally 2.81%
Details
Rates effective 10/1/2026; Early termination penalty: 120 days
Rate History
No change since Oct 13, 2026 · 3.82% APY · checked 4 times
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 4 Year
$0
3.80%
▲ 1.20% above New York avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.20% above avgNationally 2.81%
Details
Balance: $1,000 - $49,999.99; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 23, 2026 · 3.80% APY · checked 2 times
Morton Lane Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
Jumbo CD - 1-1/4 Year
$0
3.80%
▲ 1.20% above New York avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.60%▲ 1.20% above avgNationally 2.81%
Details
Non-IRA Only; APR 3rd QTR 2026 3.75%
Rate History
No change since Oct 29, 2026 · 3.80% APY
United Nations Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Standard Share Certificate - 48-month
$500
3.75%
▲ 1.15% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.60%▲ 1.15% above avgNationally 2.81%
Details
Standard share certificate; dividend rate 3.68%, APY 3.75%
Rate History
No change since Oct 23, 2026 · 3.75% APY · checked 2 times
Plessis 60 Month CD Rates
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: 0.00%
5 Year Regular IRA And Roth IRA CD
$0
5.25%
▲ 2.44% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.81%▲ 2.44% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 5.25% APY · checked 3 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 60 MONTH TERM ACCOUNT
$0
5.00%
▲ 2.19% above New York avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 2.19% above avgNationally 2.92%
Details
Certificate Accounts; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity
Rate History
1 change since Oct 13, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
- Oct 23, 20265.00%▲ from 4.15%
- Oct 13, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
Certificate of Deposit - 60 Months
$0
5.00%
▲ 2.19% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.81%▲ 2.19% above avgNationally 2.92%
Details
Rate History
No change since Oct 26, 2026 · 5.00% APY · checked 2 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Month Term Certificate
$100
4.89%
▲ 2.08% above New York avg
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 2.08% above avgNationally 2.92%
Details
Single - 60 MONTH TERM ACCOUNT; Certificate Accounts 60-Month Term/IRA; Dividends compounded and paid monthly; penalty for withdrawal before maturity
Rate History
No change since Oct 23, 2026 · 4.89% APY · checked 2 times
BTG Pactual Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60 Month Online CD
$500
4.85%
▲ 2.04% above New York avg
▼
Rate4.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 2.04% above avgNationally 2.92%
Details
Online CD
Rate History
No change since Oct 28, 2026 · 4.85% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Month Certificate of Deposit
$0
4.80%
▲ 1.99% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.99% above avgNationally 2.92%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
- Oct 22, 20264.80%▲ from 4.40%
- Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 60 Months
$0
4.80%
▲ 1.99% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.99% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 3 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 60 Month CD
$0
4.64%
▲ 1.83% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.83% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.64% APY · checked 4 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 60 Month CD
$0
4.64%
▲ 1.83% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.83% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.64% APY · checked 5 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.63%
▲ 1.82% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.82% above avgNationally 2.92%
Details
$100,000.00 and over
Rate History
No change since Oct 20, 2026 · 4.63% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.63%
▲ 1.82% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.82% above avgNationally 2.92%
Details
$100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
- Oct 20, 20264.63%▲ from 4.27%
- Sep 8, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.58%
▲ 1.77% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.77% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.58% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.58%
▲ 1.77% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.77% above avgNationally 2.92%
Details
Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
- Oct 20, 20264.58%▲ from 4.22%
- Sep 8, 20264.22%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 5-year
$1,000
4.55%
▲ 1.74% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.81%▲ 1.74% above avgNationally 2.92%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.42%
▲ 1.61% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.61% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.42% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.42%
▲ 1.61% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.61% above avgNationally 2.92%
Details
Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
- Oct 20, 20264.42%▲ from 4.06%
- Sep 8, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40%
▲ 1.59% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.59% above avgNationally 2.92%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
60 Month Certificate of Deposit
$1,000
4.40%
▲ 1.59% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.59% above avgNationally 2.92%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 25, 20264.35%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 5 Year
$0
4.39%
▲ 1.58% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.58% above avgNationally 2.92%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 3 times
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
Term Certificate - 60 Months
$500
4.33%
▲ 1.52% above New York avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.52% above avgNationally 2.92%
Details
Minimum deposit $500.00; Effective 10/29/2026
Rate History
1 change since Oct 22, 2026 · 4.07% → 4.33% ▲ 0.26 pts · high 4.33% / low 4.07%
- Oct 29, 20264.33%▲ from 4.07%
- Oct 22, 20264.07%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
5 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.30%
▲ 1.49% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.49% above avgNationally 2.92%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 5 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 5 years
$1,000
4.30%
▲ 1.49% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.49% above avgNationally 2.92%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 5 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 5 years
$1,000
4.30%
▲ 1.49% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.49% above avgNationally 2.92%
Details
Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 5 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 60 Month
$500
4.30%
▲ 1.49% above New York avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.49% above avgNationally 2.92%
Details
Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.
Rate History
No change since Oct 23, 2026 · 4.30% APY · checked 2 times
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 5 Years (60 Months)
$250
4.25%
▲ 1.44% above New York avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 27, 2026
New York Average2.81%▲ 1.44% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5-Year Share Certificate
$1,000
4.25%
▲ 1.44% above New York avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.44% above avgNationally 2.92%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.25% ▲ 0.17 pts · high 4.25% / low 4.08%
- Oct 15, 20264.25%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year Certificate
$500
4.22%
▲ 1.41% above New York avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.41% above avgNationally 2.92%
Details
Early withdrawal penalty: 365 days simple interest
Rate History
No change since Oct 5, 2026 · 4.22% APY · checked 5 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 60 Month
$500
4.20%
▲ 1.39% above New York avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.39% above avgNationally 2.92%
Details
Minimum to open and obtain APY is $500
Rate History
No change since Oct 15, 2026 · 4.20% APY · checked 3 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Business Certificate Account
$0
4.15%
▲ 1.34% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.34% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 10 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Certificate
$50
4.15%
▲ 1.34% above New York avg
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.34% above avgNationally 2.92%
Details
APY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month IRA Certificate
$50
4.15%
▲ 1.34% above New York avg
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.34% above avgNationally 2.92%
Details
APY as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 4 times
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
60 Month CD
$1,000
4.13%
▲ 1.32% above New York avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.32% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.13% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.11%
▲ 1.30% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.30% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.11% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
4.11%
▲ 1.30% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.30% above avgNationally 2.92%
Details
Rate History
1 change since Sep 8, 2026 · 3.75% → 4.11% ▲ 0.36 pts · high 4.11% / low 3.75%
- Oct 20, 20264.11%▲ from 3.75%
- Sep 8, 20263.75%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 60 Month Jumbo
$0
4.11%
▲ 1.30% above New York avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.30% above avgNationally 2.92%
Details
Jumbo Certificate Minimum Balance: $100,000
Rate History
No change since Oct 23, 2026 · 4.11% APY · checked 2 times
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
Jumbo Certificate - 5 Year
$0
4.10%
▲ 1.29% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.29% above avgNationally 2.92%
Details
Jumbo certificate, Minimum Balance: $50,000; Certificate Rates effective 9/1/2026
Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Account 60-Month
$500
4.10%
▲ 1.29% above New York avg
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
New York Average2.81%▲ 1.29% above avgNationally 2.92%
Details
Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10%
Rate History
No change since Oct 19, 2026 · 4.10% APY · checked 3 times
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Term Share Account - 60 Months
$500
4.07%
▲ 1.26% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.26% above avgNationally 2.92%
Details
IRA Term Share Accounts
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 3 times
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 5 Year
$0
4.06%
▲ 1.25% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.25% above avgNationally 2.92%
Details
Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 23, 2026 · 4.06% APY · checked 2 times
Bank of Greene County
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
5 Year Relationship CD
$1,000
4.00%
▲ 1.19% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.19% above avgNationally 2.92%
Details
Relationship CD - requires active checking account (3 or more transactions per month); $1,000.00 minimum to open and to earn APY
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Relationship CD
$0
4.00%
▲ 1.19% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 26, 2026
New York Average2.81%▲ 1.19% above avgNationally 2.92%
Details
Relationship CD; requires active checking account (3+ transactions per month)
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 4 times
Greene County Commercial Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5-Star CD 5 Year Relationship
$1,000
4.00%
▲ 1.19% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
New York Average2.81%▲ 1.19% above avgNationally 2.92%
Details
Relationship CD: requires an active checking account (3 or more transactions per month). Certificates of Deposit: $1,000.00 minimum to open and to earn APY.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 2 times
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit 60 Month
$0
4.00%
▲ 1.19% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.19% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
5 Year IRA Certificate
$0
4.00%
▲ 1.19% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.19% above avgNationally 2.92%
Details
5 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
5 Year Share Certificate
$0
4.00%
▲ 1.19% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.19% above avgNationally 2.92%
Details
5 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
3.96%
▲ 1.15% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.15% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 3.96% APY · checked 4 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD 60 Months
$0
3.96%
▲ 1.15% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
New York Average2.81%▲ 1.15% above avgNationally 2.92%
Details
Rate History
1 change since Sep 8, 2026 · 3.60% → 3.96% ▲ 0.36 pts · high 3.96% / low 3.60%
- Oct 20, 20263.96%▲ from 3.60%
- Sep 8, 20263.60%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Certificate - 60 Months
$0
3.95%
▲ 1.14% above New York avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.14% above avgNationally 2.92%
Details
Certificate Minimum Balance: $1,000
Rate History
No change since Oct 15, 2026 · 3.95% APY · checked 3 times
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
60 Month Share Certificate
$0
3.95%
▲ 1.14% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
New York Average2.81%▲ 1.14% above avgNationally 2.92%
Details
Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 3 times
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 5 Year
$0
3.93%
▲ 1.12% above New York avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
New York Average2.81%▲ 1.12% above avgNationally 2.92%
Details
Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 23, 2026 · 3.93% APY · checked 2 times
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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.
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Plessis, NY CD Rate Trends
Compare local Plessis, NY CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NY Avg
3.044%
▼ 0.004 vs 7 days ago
New York 12-month CD rates fell 0.004 points over the past 7 days to 3.044% APY.
6-Month CD NY Avg
2.825%
Unchanged vs 7 days ago
New York 6-month CD rates currently average 2.825% APY based on data from institutions in our monitoring network.
As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
NY CD Rate Forecast, Next 12 Months
Where are New York CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
3.044%
6-Month Forecast
3.044%
Range: 2.84%, 3.19%
12-Month Forecast
3.294%
Range: 3.09%, 3.44%
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What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.080% | $104.01 | $208.01 | $520.03 | $1,040.05 |
| 6-Month CD | 2.825% | $141.23 | $282.46 | $706.15 | $1,412.30 |
| 12-Month CD | 3.044% | $152.21 | $304.42 | $761.05 | $1,522.10 |
| 18-Month CD | 2.949% | $147.44 | $294.87 | $737.18 | $1,474.35 |
| 24-Month CD | 2.900% | $145.01 | $290.01 | $725.03 | $1,450.05 |
| 36-Month CD | 2.702% | $135.12 | $270.24 | $675.60 | $1,351.20 |
| 48-Month CD | 2.596% | $129.80 | $259.59 | $648.98 | $1,297.95 |
| 60-Month CD | 2.813% | $140.64 | $281.27 | $703.18 | $1,406.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
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Sample CD Ladder for Plessis, New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.080% | $104.01 |
| 2 | 6-Month CD | $5,000 | 2.825% | $141.23 |
| 3 | 12-Month CD | $5,000 | 3.044% | $152.21 |
| 4 | 24-Month CD | $5,000 | 2.900% | $145.01 |
| 5 | 36-Month CD | $5,000 | 2.702% | $135.12 |
| Total ($25,000 invested) | $25,000 | 2.710% blended | $677.58/yr | |
Ladder example uses equal $5,000 rungs and New York average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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2,571
CD Rates
Tracked in Plessis, New York
Tracked in Plessis, New York
66 Banks
101 Credit Unions
About Our Plessis, New York CD Rate Database
MonitorBankRates tracks 2,571 CD rates from 66 banks and 101 credit unions with locations in Plessis, New York, plus national online institutions available to New York residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Cornerstone Community Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Plessis, New York.
How to Find the Best CD Rates in Plessis, New York
What to compare when shopping for a CD in Plessis, New York
To find the best APYs in Plessis, New York, start with credit unions and online-only banks: Plessis, New York has 101 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Plessis, New York
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Plessis, New York: 167 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Plessis, New York savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Plessis, New York money market rates
New York Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
17.9%
National avg: 17.3%
Median Individual Earnings
$50,891
National avg: $47,340
Poverty Rate
14.0%
National avg: 11.1%
Unemployment Rate
6.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$155/yr
At NY 12-mo avg 3.044% APY
17.9% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.4% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 3.044%, saving 10% of the local median salary ($5,089/year) and putting it in a CD would earn an additional $155 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Plessis, New York
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
CD Product Information
How CDs Work
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Plessis, New York typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Plessis, New York as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Plessis, New York savers easier access to their funds. For example, Cornerstone Community Federal Credit Union is offering its 6 Month Youth Share Certificate at 6.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Italo American Credit Union is offering its 5 Year Regular IRA And Roth IRA CD at 5.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Plessis, New York saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Plessis, New York CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates
Most CDs carry a fixed rate that is locked for the entire term, protecting a Plessis, New York depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Plessis, New York
What are CD rates in Plessis, New York today?
Plessis, New York CD rates from banks and credit unions serving New York range from 2.94% to 6.00% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 6.00% APY at Cornerstone Community Federal Credit Union (6 Month Youth Share Certificate), 5.25% at Italo American Credit Union (5 Year Regular IRA And Roth IRA CD) and 5.05% at Usalliance Credit Union (18 Month Certificate), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Plessis, New York FDIC insured?
Yes, most established banks in Plessis, 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 Plessis, 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 Plessis, 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 Plessis, 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 Plessis, New York?
Here are recent top rates found for this area:
- Cornerstone Community Federal Credit Union: 6.00% APY (6 Month Youth Share Certificate)
- Italo American Credit Union: 5.25% APY (5 Year Regular IRA And Roth IRA CD)
- Usalliance Credit Union: 5.05% APY (18 Month Certificate)
- Empower Federal Credit Union: 5.00% APY (Share Certificate - 6 Months)
- Syracuse Fire Department Employees Federal Credit Union: 5.00% APY (6-month TSC)
- Quorum Federal Credit Union: 5.00% APY (48-Month Certificate)
- Popular Direct: 5.00% APY (Certificate of Deposit - 60 Months)
- Massena Savings and Loan: 4.90% APY (Fixed Rate Certificates - 36 Month CD)
- Crouse Federal Credit Union: 4.86% APY (Certificate - 6 Months)
- BTG Pactual Bank: 4.85% APY (36 Month Online CD)
Rates reflect recent verified offers available in Plessis, New York. Last Updated: October 31, 2026
Plessis, New York CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Plessis, New York rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Plessis, New York
Plessis, New York CD Calculator
At today’s NY top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.
Plessis, New York CD LadderNY CD rates currently range from 2.080% (3-month) to 2.702% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Plessis, New York CD at 6.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew York’s average 12-month CD is 3.044% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Plessis, New York CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Plessis, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Plessis, New York. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 31, 2026
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