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CD Rate Trends

Rochester, New York Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Rochester, New York CD rates range from 0.10% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Rochester, New York CD rates include The Summit Federal Credit UnionThe Summit Federal Credit Union100 MARINA DR, ROCHESTER, NY 14626 5104A+5.0 ★Texas Ratio: 2.28%Real return: +0.90%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Jumbo Certificate at 4.60% APY, Canandaigua National Bank and Trust CompanyCanandaigua National Bank and Trust Company3228 Chili Ave, Rochester, NY 14624A5.0 ★Texas Ratio: 7.08%Real return: +0.55%APY minus CPIRate verified Oct 22, 2026 offering 12 Month CNSaver Online CD at 4.25% APY, Advantage Federal Credit Union FCUAdvantage Federal Credit Union FCU225 W Broad St, Rochester, NY 14608A+5.0 ★Texas Ratio: 3.72%Real return: +0.55%APY minus CPIRate verified Oct 23, 2026 offering 7 - 24 Month Share Certificate at 4.25% APY, St Pius X Church Federal Credit UnionSt Pius X Church Federal Credit Union2998 Chili Ave, Rochester, NY 14624 4537A-5.0 ★Texas Ratio: 15.58%Real return: +0.40%APY minus CPIRate verified Oct 23, 2026 offering Share Certificate 18 Month Jumbo at 4.10% APY, and Family First Of NY Federal Credit UnionFamily First Of NY Federal Credit Union2520 Browncroft Blvd, Rochester, NY 14625A+5.0 ★Texas Ratio: 4.01%Real return: +0.40%APY minus CPIRate verified Oct 23, 2026 offering Youth 12 Month Certificate at 4.10% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Rochester has 165 local institutions in our database, with CD rates as high as 4.60% APY from The Summit Federal Credit Union at 100 MARINA DR, ROCHESTER, NY 14626 5104. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New York area. Rates are continually updated, 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 23, 2026

Compare Best CD Rates in Rochester, New York & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Rochester 3 Month CD Rates

New York 3 Month CD Average2.08% APYNational 2.13%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
90 Day Regular Certificate
$0
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 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
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
90 Day Youth Certificate
$50
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 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
2.75%3.25%3.75%Oct 23, 2026: 3.25% APYOct 23, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1130 E Main St, Rochester, NY 14609
Share Certificate - 3-Month
$500
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
1275 Lexington Ave, Rochester, NY 14606
Certificate Shares - 3 months
$0
3.25% ▲ 1.17% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 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%
2.54%3.15%3.75%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.25%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Month Jumbo Certificate
$100,000
2.75% ▲ 0.67% above New York avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.67% above avgNationally 2.13%
Details

APY range: 2.75% - 3.70%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted

Rate History
1 change since Sep 25, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Sep 25, 2026: 2.60% APYOct 23, 2026: 2.75% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20262.75%▲ from 2.60%
  • Sep 25, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
2.75% ▲ 0.67% above New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.67% above avgNationally 2.13%
Details

Balance: $100,000 and above; Jumbo

Rate History
1 change since Oct 15, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60%
2.10%2.68%3.25%Oct 15, 2026: 2.60% APYOct 23, 2026: 2.75% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20262.75%▲ from 2.60%
  • Oct 15, 20262.60%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Month Regular & Jumbo Certificates (Personal) - Regular
$0
2.65% ▲ 0.57% above New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.57% above avgNationally 2.13%
Details

Balance: Under $100,000; Regular

Rate History
1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Oct 15, 2026: 2.50% APYOct 23, 2026: 2.65% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Oct 15, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Month Regular Certificate
$100
2.65% ▲ 0.57% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.57% above avgNationally 2.13%
Details

APY range: 2.65% - 3.55%, based on length and balance; Certificate Loan Eligible: Yes; Additional deposits not permitted; Deposits under $100,000

Rate History
1 change since Sep 25, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Sep 25, 2026: 2.50% APYOct 23, 2026: 2.65% APYSep 25, 2026Oct 25, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Sep 25, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Month Regular Certificate (Personal)
$0
2.65% ▲ 0.57% above New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.57% above avgNationally 2.13%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
1 change since Oct 15, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50%
2.00%2.58%3.15%Oct 15, 2026: 2.50% APYOct 23, 2026: 2.65% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20262.65%▲ from 2.50%
  • Oct 15, 20262.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 3 month
$0
2.50% ▲ 0.42% above New York avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.42% above avgNationally 2.13%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 15, 2026: 2.50% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 3 month
$0
2.40% ▲ 0.32% above New York avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 0.32% above avgNationally 2.13%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 15, 2026: 2.40% APYOct 15, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
3 Month Certificate of Deposit
$500
2.00% ▼ 0.08% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▼ 0.08% below avgNationally 2.13%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1795 English Rd, Rochester, NY 14616
Share Certificates and IRA CDs - 3 Months
$500
0.20% ▼ 1.88% below New York avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▼ 1.88% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Jumbo Certificate - 90 day jumbo
$0
0.15% ▼ 1.93% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 1.93% below avgNationally 2.13%
Details

Available Online: Other Options

Rate History
No change since Oct 22, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Fixed Rate Certificate - 3 month
$0
0.10% ▼ 1.98% below New York avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 1.98% below avgNationally 2.13%
Details

Minimum balance to open and obtain APY: $500 (terms greater than 45 days); Available Online: Open Online

Rate History
No change since Oct 22, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 25, 2026
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
View
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 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%
0.20%3.43%6.65%Oct 13, 2026: 2.35% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 2.35%
  • Oct 13, 20262.35%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month CD
$0
4.30% ▲ 2.22% above New York avg
View
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 2.22% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 24, 2026: 3.95% APYOct 1, 2026: 4.15% APYOct 14, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 4.15%
  • Oct 1, 20264.15%▲ from 3.95%
  • Sep 24, 20263.95%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
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.15% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
3.42%4.08%4.73%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.02% APYOct 23, 2026: 4.23% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.23%▲ from 4.02%
  • Oct 15, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
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
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 17, 2026: 4.05% APYOct 23, 2026: 4.20% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
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
View
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 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
1 change since Sep 17, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
3.55%4.13%4.70%Sep 17, 2026: 4.05% APYOct 23, 2026: 4.20% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.20%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 3 Months
$0
4.10% ▲ 2.02% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 2.02% above avgNationally 2.13%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
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
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 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%
3.30%3.93%4.56%Sep 24, 2026: 3.80% APYOct 14, 2026: 4.06% APYSep 24, 2026Oct 25, 2026
  • 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
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.95% above avgNationally 2.13%
Details

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.03% ▲ 0.11 pts · high 4.03% / low 3.92%
3.42%3.98%4.53%Sep 14, 2026: 3.92% APYOct 15, 2026: 4.02% APYOct 23, 2026: 4.03% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.03%▲ from 4.02%
  • Oct 15, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
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
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.92% above avgNationally 2.13%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
3-month CD
$0
3.85% ▲ 1.77% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.77% above avgNationally 2.13%
Details

No minimum to open. Minimum balance to earn stated APY is $500.00. APY is accurate as of 9/25/2026.

Rate History
No change since Oct 22, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Oct 25, 2026
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80% ▲ 1.72% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.72% above avgNationally 2.13%
Details

Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 15, 2026: 3.80% APYSep 15, 2026Oct 25, 2026
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
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 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 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
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
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 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
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
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
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
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
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 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 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Certificate
$500
3.75% ▲ 1.67% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 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 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3 Months
$1,000
3.70% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details

APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 25, 2026
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
View
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 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 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
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
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 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 Sep 11, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 11, 2026: 3.70% APYSep 11, 2026Oct 25, 2026
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
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 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 Sep 19, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 25, 2026
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
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 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
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
2.80%4.07%5.35%Sep 14, 2026: 4.50% APYOct 7, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Oct 7, 20263.65%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
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
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 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 2 times
3.11%3.61%4.11%Oct 15, 2026: 3.61% APYOct 15, 2026Oct 25, 2026
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 3 month
$0
3.60% ▲ 1.52% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.52% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55% ▲ 1.47% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.47% above avgNationally 2.13%
Details

Earn 3.55% APY on balances of $500 or more; $500 minimum daily balance required to obtain advertised APY; Fund with as much as $500,000 online and up to $1,000,000 in a branch

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 25, 2026
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details

High Yield Business CD; maximum deposit $250,000

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 25, 2026
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
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details

Star Relationship CD

Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 8, 2026: 3.50% APYSep 8, 2026Oct 25, 2026
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40% ▲ 1.32% above New York avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.32% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
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
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 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%
2.76%3.30%3.85%Sep 14, 2026: 3.26% APYSep 18, 2026: 3.35% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.35%▲ from 3.26%
  • Sep 14, 20263.26%first recorded
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
View
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
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
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 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 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 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
2.73%3.23%3.73%Oct 23, 2026: 3.23% APYOct 23, 2026Oct 25, 2026
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
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 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 2 times
2.69%3.19%3.69%Oct 22, 2026: 3.19% APYOct 22, 2026Oct 25, 2026
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
View
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 1.02% above avgNationally 2.13%
Details

Certificates with $25,000 minimum to open and earn APY

Rate History
1 change since Oct 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Oct 14, 2026: 3.00% APYOct 19, 2026: 3.10% APYOct 14, 2026Oct 25, 2026
  • Oct 19, 20263.10%▲ from 3.00%
  • Oct 14, 20263.00%first recorded
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
3 Month CD
$0
3.05% ▲ 0.97% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
IRA 3 Month CD
$0
3.05% ▲ 0.97% above New York avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 22, 2026: 3.05% APYOct 22, 2026Oct 25, 2026

Rochester 6 Month CD Rates

New York 6 Month CD Average2.82% APYNational 2.78%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
6 Month Jumbo Certificate
$0
4.50% ▲ 1.68% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Effective October 22 through October 28, 2026

Rate History
1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 4, 2026: 4.25% APYOct 23, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.25%
  • Oct 4, 20264.25%first recorded
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
3228 Chili Ave, Rochester, NY 14624
6 Month CNSaver Online CD
$1,000
4.25% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
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
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
6 Month Regular Certificate
$0
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Effective October 22 through October 28, 2026; Youth minimum balance: $50

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
6 Month Youth Certificate
$50
4.25% ▲ 1.43% above New York avg
View
▼
Rate4.16%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Effective October 22 through October 28, 2026; Youth minimum opening balance $50

Rate History
No change since Oct 23, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 25, 2026
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
1275 Lexington Ave, Rochester, NY 14606
Certificate Shares - 6 months
$0
3.56% ▲ 0.74% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.74% above avgNationally 2.78%
Details

Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04%
2.52%3.30%4.08%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1795 English Rd, Rochester, NY 14616
Share Certificates and IRA CDs - 6 Months
$500
3.56% ▲ 0.74% above New York avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.74% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 6 Month Jumbo
$0
3.35% ▲ 0.53% above New York avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.53% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20%
2.70%3.28%3.85%Sep 21, 2026: 3.20% APYSep 29, 2026: 3.35% APYSep 21, 2026Oct 25, 2026
  • Sep 29, 20263.35%▲ from 3.20%
  • Sep 21, 20263.20%first recorded
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1130 E Main St, Rochester, NY 14609
Share Certificate - 6-Month
$500
3.25% ▲ 0.43% above New York avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.43% above avgNationally 2.78%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Oct 13, 2026: 3.25% APYOct 13, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 6 Month
$0
3.25% ▲ 0.43% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.43% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.25% ▲ 0.15 pts · high 3.25% / low 3.10%
2.60%3.18%3.75%Sep 14, 2026: 3.10% APYSep 29, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.25%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
6 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.00% ▲ 0.18% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.18% above avgNationally 2.78%
Details

Balance: $100,000 and above; Jumbo

Rate History
1 change since Oct 15, 2026 · 2.90% → 3.00% ▲ 0.10 pts · high 3.00% / low 2.90%
2.40%2.95%3.50%Oct 15, 2026: 2.90% APYOct 23, 2026: 3.00% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20263.00%▲ from 2.90%
  • Oct 15, 20262.90%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
6 Month Regular & Jumbo Certificates (Personal) - Regular
$0
2.85% ▲ 0.03% above New York avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.03% above avgNationally 2.78%
Details

Balance: Under $100,000; Regular

Rate History
1 change since Oct 15, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Oct 15, 2026: 2.75% APYOct 23, 2026: 2.85% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20262.85%▲ from 2.75%
  • Oct 15, 20262.75%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
6 Month Regular Certificate (Personal)
$0
2.85% ▲ 0.03% above New York avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.03% above avgNationally 2.78%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
1 change since Oct 15, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Oct 15, 2026: 2.75% APYOct 23, 2026: 2.85% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20262.85%▲ from 2.75%
  • Oct 15, 20262.75%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 6 month
$0
2.75% ▼ 0.07% below New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▼ 0.07% below avgNationally 2.78%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 6 month
$0
2.65% ▼ 0.17% below New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▼ 0.17% below avgNationally 2.78%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
6 Month Certificate of Deposit
$500
2.25% ▼ 0.57% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▼ 0.57% below avgNationally 2.78%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
6 Month IRA Certificate of Deposit
$500
2.25% ▼ 0.57% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▼ 0.57% below avgNationally 2.78%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 25, 2026
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
460 N Goodman St, Rochester, NY 14609 6135
6 Month Share Certificate
$0
1.51% ▼ 1.31% below New York avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▼ 1.31% below avgNationally 2.78%
Details

Effective as of: October 13, 2026

Rate History
No change since Sep 25, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 25, 2026: 1.51% APYSep 25, 2026Oct 25, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
6 Month Share Certificate
$500
1.51% ▼ 1.31% below New York avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▼ 1.31% below avgNationally 2.78%
Details

Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly.

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 25, 2026
Gates Chili Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
2870 Buffalo Rd, Rochester, NY 14624 1340
6-Month Certificate
$0
1.00% ▼ 1.82% below New York avg
View
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▼ 1.82% below avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Jumbo Certificate - 180 day jumbo
$0
0.15% ▼ 2.67% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 2.67% below avgNationally 2.78%
Details

Available Online: Other Options

Rate History
No change since Oct 22, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Fixed Rate Certificate - 6 month
$0
0.10% ▼ 2.72% below New York avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 2.72% below avgNationally 2.78%
Details

Minimum balance to open and obtain APY: $500 (terms greater than 45 days); Available Online: Open Online

Rate History
No change since Oct 22, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 25, 2026
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
View
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 3.18% above avgNationally 2.78%
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 5 times
5.50%6.00%6.50%Oct 5, 2026: 6.00% APYOct 5, 2026Oct 25, 2026
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
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.78%
Details

Tier 1; Balance: $500-$2,499.99; Effective Date: October 01, 2026

Rate History
No change since Oct 22, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 25, 2026
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
View
▼
Rate4.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.78%
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%
3.00%4.50%6.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 5.00% APYSep 12, 2026Oct 25, 2026
  • 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
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 2.04% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.86% ▲ 1.01 pts · high 4.86% / low 3.85%
2.84%4.36%5.87%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYOct 15, 2026: 4.86% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.86%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
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
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.93% above avgNationally 2.78%
Details

Rate History
3 changes since Sep 14, 2026 · 3.85% → 4.75% ▲ 0.90 pts · high 4.86% / low 3.85%
2.84%4.36%5.87%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYOct 15, 2026: 4.86% APYOct 23, 2026: 4.75% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.75%▼ from 4.86%
  • Oct 15, 20264.86%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
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
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.78% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.60% ▲ 0.75 pts · high 4.60% / low 3.85%
3.10%4.23%5.35%Sep 14, 2026: 3.85% APYOct 5, 2026: 4.15% APYOct 15, 2026: 4.60% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.60%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
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
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Account code 34; Interest compounded monthly (Int. Monthly); Certificate Rates

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
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
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Interest paid monthly; Share code 89

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
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
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Interest paid monthly; minimum $50,000

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
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
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details

Share code 69; Int. Monthly

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Month CD
$0
4.40% ▲ 1.58% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details

CD Rates; APY (Annual Percentage Yield)

Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Months CD
$0
4.40% ▲ 1.58% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details

Certificates of Deposit Specials

Rate History
2 changes since Sep 24, 2026 · 3.40% → 4.40% ▲ 1.00 pts · high 4.40% / low 3.40%
2.40%3.90%5.40%Sep 24, 2026: 3.40% APYOct 14, 2026: 4.15% APYOct 20, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.40%▲ from 4.15%
  • Oct 14, 20264.15%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
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
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
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%
3.65%4.28%4.90%Sep 25, 2026: 4.15% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • 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
View
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
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%
3.80%4.35%4.90%Sep 14, 2026: 4.30% APYOct 5, 2026: 4.40% APYSep 14, 2026Oct 25, 2026
  • 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
View
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
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 2 times
3.90%4.40%4.90%Oct 15, 2026: 4.40% APYOct 15, 2026Oct 25, 2026
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
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 17, 2026: 4.10% APYOct 23, 2026: 4.35% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.35%▲ from 4.10%
  • Sep 17, 20264.10%first recorded
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
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details

Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
3.60%4.23%4.85%Sep 17, 2026: 4.10% APYOct 23, 2026: 4.35% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.35%▲ from 4.10%
  • Sep 17, 20264.10%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month CD
$0
4.35% ▲ 1.53% above New York avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details

Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 24, 2026: 4.15% APYOct 1, 2026: 4.25% APYOct 6, 2026: 4.35% APYSep 24, 2026Oct 25, 2026
  • Oct 6, 20264.35%▲ from 4.25%
  • Oct 1, 20264.25%▲ from 4.15%
  • Sep 24, 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
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.48% above avgNationally 2.78%
Details

High Yield 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%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Oct 14, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
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
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
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%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • 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
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
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 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Certificate
$500
4.25% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Share Certificate; 4.25% APY based on 6 month certificate; must maintain $500 minimum balance to earn advertised rate; auto-renews at maturity; rate accurate as of August 3, 2026

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
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
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details

Additional Deposits Permitted

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 25, 2026
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
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.41% above avgNationally 2.78%
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%
3.50%4.12%4.73%Oct 14, 2026: 4.00% APYOct 20, 2026: 4.23% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.23%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.78%
Details

FDIC insurance: at least $250,000

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 3 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 25, 2026
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
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.78%
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 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 25, 2026
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
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.38% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 25, 2026
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 6 Months
$0
4.15% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.33% above avgNationally 2.78%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
Share Certificates - 6 Months
$500
4.15% ▲ 1.33% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.33% above avgNationally 2.78%
Details

Compounded/Credited: Monthly/Monthly

Rate History
No change since Sep 25, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 25, 2026: 4.15% APYSep 25, 2026Oct 25, 2026

Rochester 12 Month CD Rates

New York 12 Month CD Average3.05% APYNational 2.99%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
12 Month Jumbo Certificate
$0
4.60% ▲ 1.55% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.55% above avgNationally 2.99%
Details

Effective October 22 through October 28, 2026

Rate History
1 change since Oct 4, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%
4.00%4.55%5.10%Oct 4, 2026: 4.50% APYOct 23, 2026: 4.60% APYOct 4, 2026Oct 25, 2026
  • Oct 23, 20264.60%▲ from 4.50%
  • Oct 4, 20264.50%first recorded
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
12 Month Regular Certificate
$0
4.35% ▲ 1.30% above New York avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.30% above avgNationally 2.99%
Details

Effective October 22 through October 28, 2026; Youth minimum balance: $50

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 25, 2026
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
100 MARINA DR, ROCHESTER, NY 14626 5104
12 Month Youth Certificate
$50
4.35% ▲ 1.30% above New York avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.30% above avgNationally 2.99%
Details

Effective October 22 through October 28, 2026; Youth minimum opening balance $50

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 25, 2026
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
3228 Chili Ave, Rochester, NY 14624
12 Month CNSaver Online CD
$1,000
4.25% ▲ 1.20% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.20% above avgNationally 2.99%
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
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2520 Browncroft Blvd, Rochester, NY 14625
Youth 12 Month Certificate
$0
4.10% ▲ 1.05% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.05% above avgNationally 2.99%
Details

Youth certificate; must be opened in a Youth Account with minimum deposit of $50 to earn APY; additional deposits capped at $10,000

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 5 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2520 Browncroft Blvd, Rochester, NY 14625
Youth Certificate - Youth 12 Months
$50
4.10% ▲ 1.05% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.05% above avgNationally 2.99%
Details

Youth certificates must be opened in a Youth Account with a minimum deposit of $50 to earn APY; deposits capped at $10,000

Rate History
No change since Oct 23, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 23, 2026: 4.10% APYOct 23, 2026Oct 25, 2026
Reliant Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
625 Titus Ave, Rochester, NY 14617 3918
12 Month Investor/IRA Certificate
$0
3.85% ▲ 0.80% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.80% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYSep 25, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Ever $ Green Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
2215 E Henrietta Rd, Rochester, NY 14623
12 Month Certificates-Pays Interest Monthly
$500
3.75% ▲ 0.70% above New York avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.70% above avgNationally 2.99%
Details

Term: 12 Months to 23 Months; Pays Interest Monthly

Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 15, 2026: 3.75% APYOct 15, 2026Oct 25, 2026
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 State St Fl 3, Rochester, NY 14614
12 Month Certificates of Deposits
$50,000
3.65% ▲ 0.60% above New York avg
View
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 0.60% above avgNationally 2.99%
Details

Interest Rate: 3.590%; Rates Effective 06/12/2026

Rate History
No change since Sep 11, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 11, 2026: 3.65% APYSep 11, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1130 E Main St, Rochester, NY 14609
Share Certificate - 12-Month
$500
3.60% ▲ 0.55% above New York avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.55% above avgNationally 2.99%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
1275 Lexington Ave, Rochester, NY 14606
Certificate Shares - 12 months
$0
3.56% ▲ 0.51% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.51% above avgNationally 2.99%
Details

Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04%
2.52%3.30%4.08%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 12 Month Jumbo
$0
3.50% ▲ 0.45% above New York avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.45% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 21, 2026: 3.35% APYSep 29, 2026: 3.50% APYSep 21, 2026Oct 25, 2026
  • Sep 29, 20263.50%▲ from 3.35%
  • Sep 21, 20263.35%first recorded
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 State St Fl 3, Rochester, NY 14614
12 Month Certificates of Deposits
$0
3.40% ▲ 0.35% above New York avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average3.05%▲ 0.35% above avgNationally 2.99%
Details

Minimum $1,000.00; Rates Effective 06/12/2026

Rate History
No change since Sep 11, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 11, 2026: 3.40% APYSep 11, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 12 Month
$0
3.40% ▲ 0.35% above New York avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.35% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYSep 29, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2000 Monroe Ave, Rochester, NY 14618
1 Year Online CD
$0
3.25% ▲ 0.20% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.20% above avgNationally 2.99%
Details

Interest rate 3.20%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
12 Month Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.25% ▲ 0.20% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.20% above avgNationally 2.99%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
12 Month Regular & Jumbo Certificates (Personal) - Regular
$0
3.10% ▲ 0.05% above New York avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.05% above avgNationally 2.99%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 15, 2026: 3.10% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
12 Month Regular Certificate (Personal)
$0
3.10% ▲ 0.05% above New York avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 0.05% above avgNationally 2.99%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 15, 2026: 3.10% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 12 month
$0
3.00% ▼ 0.05% below New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.05% below avgNationally 2.99%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 12 month
$0
2.80% ▼ 0.25% below New York avg
View
▼
Rate2.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.25% below avgNationally 2.99%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 15, 2026: 2.80% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
12 Month Liquid Certificate
$100
2.75% ▼ 0.30% below New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.30% below avgNationally 2.99%
Details

Certificate Loan Eligible: No; Additional deposits permitted prior to maturity; Penalty-free withdrawals up to 50% of balance as of account opening

Rate History
No change since Oct 8, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 8, 2026: 2.75% APYOct 8, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
12-Month Liquid Certificate (Business)
$500
2.75% ▼ 0.30% below New York avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.30% below avgNationally 2.99%
Details

Balance requirement: $500 minimum opening balance; Dividend Rate / APY shown as 2.716% / 2.750%

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
12-Month Liquid Certificate (Personal)
$100
2.75% ▼ 0.30% below New York avg
View
▼
Rate2.72%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.30% below avgNationally 2.99%
Details

Balance Requirement: $100 minimum opening balance; minimum balance to open and obtain APY is $100 for regular personal share certificate

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 25, 2026
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
1795 English Rd, Rochester, NY 14616
Share Certificates and IRA CDs - 12 Months
$500
2.02% ▼ 1.03% below New York avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.03% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Sep 14, 2026: 2.02% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
1 Year Certificate of Deposit
$500
2.00% ▼ 1.05% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▼ 1.05% below avgNationally 2.99%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
1 Year IRA Certificate of Deposit
$500
2.00% ▼ 1.05% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▼ 1.05% below avgNationally 2.99%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Oct 25, 2026
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
460 N Goodman St, Rochester, NY 14609 6135
12 Month Share Certificate
$0
1.76% ▼ 1.29% below New York avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.29% below avgNationally 2.99%
Details

Effective as of: October 13, 2026

Rate History
No change since Sep 25, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 25, 2026: 1.76% APYSep 25, 2026Oct 25, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
1 Year Share Certificate
$500
1.51% ▼ 1.54% below New York avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.54% below avgNationally 2.99%
Details

Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly.

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 25, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
IRA Share Certificate - 1 year
$500
1.51% ▼ 1.54% below New York avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.54% below avgNationally 2.99%
Details

Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 23, 2026 · 1.51% APY
1.01%1.51%2.01%Oct 23, 2026: 1.51% APYOct 23, 2026Oct 25, 2026
Gates Chili Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
2870 Buffalo Rd, Rochester, NY 14624 1340
12-Month Certificate
$0
1.50% ▼ 1.55% below New York avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.55% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 10 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Fixed Rate Certificate - 12 month
$0
0.12% ▼ 2.93% below New York avg
View
▼
Rate0.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 2.93% below avgNationally 2.99%
Details

Minimum balance to open and obtain APY: $500 (terms greater than 45 days); Available Online: Open Online

Rate History
No change since Oct 22, 2026 · 0.12% APY
0.00%0.31%0.62%Oct 22, 2026: 0.12% APYOct 22, 2026Oct 25, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
1 Year Youth Share Certificate
$0
5.50% ▲ 2.45% above New York avg
View
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 2.45% above avgNationally 2.99%
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 5 times
5.00%5.50%6.00%Oct 5, 2026: 5.50% APYOct 5, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month CD
$0
4.60% ▲ 1.55% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 1.55% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 24, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
3.75%4.43%5.10%Sep 24, 2026: 4.25% APYOct 1, 2026: 4.40% APYOct 6, 2026: 4.50% APYOct 19, 2026: 4.60% APYSep 24, 2026Oct 25, 2026
  • 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
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year Certificate
$500
4.58% ▲ 1.53% above New York avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.53% above avgNationally 2.99%
Details

Early withdrawal penalty: 120 days simple interest for one year

Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 4 times
4.08%4.58%5.08%Oct 5, 2026: 4.58% APYOct 5, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
12 Month Certificate of Deposit
$0
4.55% ▲ 1.50% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
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%
4.05%4.65%5.25%Oct 8, 2026: 4.75% APYOct 22, 2026: 4.55% APYOct 8, 2026Oct 25, 2026
  • 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% ▲ 1.50% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
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 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 12 Months
$0
4.55% ▲ 1.50% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 25, 2026
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% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Rate History
No change since Oct 23, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 25, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
12 Month Share Certificate
$0
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 17, 2026: 4.00% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
IRA & ESA Certificate 12 Months
$0
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.50%4.25%5.00%Oct 12, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 12, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 17, 2026: 4.00% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Sep 17, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
12 Month Certificate
$1,000
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details

Share code 63; Int. Monthly

Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Certificate
$100
4.50% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.85%4.43%5.00%Sep 14, 2026: 4.35% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
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%
3.85%4.43%5.00%Sep 14, 2026: 4.35% APYOct 15, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.50%▲ from 4.35%
  • Sep 14, 20264.35%first recorded

Rochester 18 Month CD Rates

New York 18 Month CD Average2.93% APYNational 2.88%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 18 Month Jumbo
$0
4.10% ▲ 1.17% above New York avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
3.10%3.85%4.60%Sep 21, 2026: 3.60% APYSep 29, 2026: 4.10% APYSep 21, 2026Oct 25, 2026
  • Sep 29, 20264.10%▲ from 3.60%
  • Sep 21, 20263.60%first recorded
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 18 Month
$0
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
255 East Ave, Rochester, NY 14604
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.92% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.92% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
255 East Ave, Rochester, NY 14604
18-Month M&T Select CD
$1,000
3.85% ▲ 0.92% above New York avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.92% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 State St Fl 3, Rochester, NY 14614
18 Month Certificates of Deposits
$50,000
3.75% ▲ 0.82% above New York avg
View
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 0.82% above avgNationally 2.88%
Details

Interest Rate: 3.687%; Rates Effective 06/12/2026

Rate History
No change since Sep 11, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 11, 2026: 3.75% APYSep 11, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1130 E Main St, Rochester, NY 14609
Share Certificate - 18-Month
$500
3.65% ▲ 0.72% above New York avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 0.72% above avgNationally 2.88%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 25, 2026
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 State St Fl 3, Rochester, NY 14614
18 Month Certificates of Deposits
$0
3.50% ▲ 0.57% above New York avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 0.57% above avgNationally 2.88%
Details

Minimum $1,000.00; Rates Effective 06/12/2026

Rate History
No change since Sep 11, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 11, 2026: 3.50% APYSep 11, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Jumbo Certificate - 18 month jumbo
$0
0.15% ▼ 2.78% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.78% below avgNationally 2.88%
Details

Available Online: Other Options

Rate History
No change since Oct 22, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Fixed Rate Certificate - 18 month
$0
0.12% ▼ 2.81% below New York avg
View
▼
Rate0.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.81% below avgNationally 2.88%
Details

Minimum balance to open and obtain APY: $500 (terms greater than 45 days); Available Online: Open Online

Rate History
No change since Oct 22, 2026 · 0.12% APY
0.00%0.31%0.62%Oct 22, 2026: 0.12% APYOct 22, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD
$0
4.75% ▲ 1.82% above New York avg
View
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 1.82% above avgNationally 2.88%
Details

Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
3.85%4.55%5.25%Sep 24, 2026: 4.35% APYOct 1, 2026: 4.55% APYOct 6, 2026: 4.65% APYOct 19, 2026: 4.75% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.75%▲ from 4.65%
  • Oct 6, 20264.65%▲ from 4.55%
  • Oct 1, 20264.55%▲ from 4.35%
  • Sep 24, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Month Certificate of Deposit
$0
4.55% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
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%
3.90%4.48%5.05%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.55% APYOct 8, 2026Oct 25, 2026
  • 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% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
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 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 18 Months
$0
4.55% ▲ 1.62% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 22, 2026: 4.55% APYOct 22, 2026Oct 25, 2026
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 18 Month
$0
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Balance: $500-$2,499.99 - Tier 1

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
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% ▲ 1.57% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
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%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • 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% ▲ 1.57% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
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%
3.50%4.25%5.00%Sep 12, 2026: 4.00% APYOct 12, 2026: 4.50% APYSep 12, 2026Oct 25, 2026
  • 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% ▲ 1.57% above New York avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 23, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 23, 2026: 4.50% APYOct 23, 2026Oct 25, 2026
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
18 Month Share Certificate
$0
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
3.30%4.20%5.10%Sep 17, 2026: 3.90% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 3.90%
  • Sep 17, 20263.90%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 18 Months
$0
4.50% ▲ 1.57% above New York avg
View
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details

Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal

Rate History
1 change since Sep 17, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
3.30%4.20%5.10%Sep 17, 2026: 3.90% APYOct 23, 2026: 4.50% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.50%▲ from 3.90%
  • Sep 17, 20263.90%first recorded
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18 Month Variable Rate IRA
$100
4.46% ▲ 1.53% above New York avg
View
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.53% above avgNationally 2.88%
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%
3.65%4.31%4.96%Sep 19, 2026: 4.15% APYOct 7, 2026: 4.46% APYSep 19, 2026Oct 25, 2026
  • 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% ▲ 1.51% above New York avg
View
▼
Rate4.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.51% above avgNationally 2.88%
Details

New money only; financial institutions ineligible

Rate History
No change since Oct 14, 2026 · 4.44% APY · checked 3 times
3.94%4.44%4.94%Oct 14, 2026: 4.44% APYOct 14, 2026Oct 25, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40% ▲ 1.47% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.47% above avgNationally 2.88%
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%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • 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% ▲ 1.47% above New York avg
View
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.47% above avgNationally 2.88%
Details

Term: 1 1/2 Years (18 Months)

Rate History
No change since Oct 22, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 22, 2026: 4.40% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.37% ▲ 1.44% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.44% above avgNationally 2.88%
Details

Balance: $100,000.00 and over

Rate History
2 changes since Sep 8, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
3.56%4.22%4.87%Sep 8, 2026: 4.06% APYSep 18, 2026: 4.22% APYOct 2, 2026: 4.37% APYSep 8, 2026Oct 25, 2026
  • Oct 2, 20264.37%▲ from 4.22%
  • Sep 18, 20264.22%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
18 Month Certificate of Deposit
$500
4.35% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
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%
3.40%4.13%4.85%Sep 20, 2026: 3.90% APYOct 22, 2026: 4.35% APYSep 20, 2026Oct 25, 2026
  • 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% ▲ 1.42% above New York avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
Details

In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
3.40%4.13%4.85%Sep 14, 2026: 3.90% APYOct 22, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.35%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 18 Months
$500
4.35% ▲ 1.42% above New York avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
Details

Available: Online

Rate History
No change since Oct 22, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 22, 2026: 4.35% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.32% ▲ 1.39% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.39% above avgNationally 2.88%
Details

Balance: $50,000.00

Rate History
3 changes since Sep 8, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 8, 2026: 4.06% APYSep 18, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 2, 2026: 4.32% APYSep 8, 2026Oct 25, 2026
  • Oct 2, 20264.32%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 18, 20264.16%▲ from 4.06%
  • Sep 8, 20264.06%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 18 Months
$0
4.30% ▲ 1.37% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.37% above avgNationally 2.88%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18-Month CD - Promo
$0
4.30% ▲ 1.37% above New York avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.37% above avgNationally 2.88%
Details

Promotional product; can be discontinued at any time

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25% ▲ 1.32% above New York avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 18 Months
$50
4.25% ▲ 1.32% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25% ▲ 1.32% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24% ▲ 1.31% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.31% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 18 Month
$0
4.18% ▲ 1.25% above New York avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.25% above avgNationally 2.88%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 15, 2026: 4.18% APYOct 15, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.16% ▲ 1.23% above New York avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.23% above avgNationally 2.88%
Details

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
3.51%4.09%4.66%Sep 8, 2026: 4.01% APYSep 24, 2026: 4.16% APYSep 8, 2026Oct 25, 2026
  • Sep 24, 20264.16%▲ from 4.01%
  • Sep 8, 20264.01%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15% ▲ 1.22% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
18 Month CD Special with Active Account
$0
4.15% ▲ 1.22% above New York avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details

Balance: $100,000 and over; Special with Active Account

Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 11 times
3.65%4.15%4.65%Sep 8, 2026: 4.15% APYSep 8, 2026Oct 25, 2026
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Trailblazer - 18 Months
$0
4.15% ▲ 1.22% above New York avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details

Effective Date: 08/01/2025

Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 12, 2026: 4.15% APYOct 12, 2026Oct 25, 2026
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
18 Month Certificate
$500
4.13% ▲ 1.20% above New York avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.20% above avgNationally 2.88%
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%
3.58%4.11%4.63%Oct 15, 2026: 4.08% APYOct 23, 2026: 4.13% APYOct 15, 2026Oct 25, 2026
  • 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% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
18 Month Regular Certificate
$0
4.10% ▲ 1.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details

REGULAR Minimum Balance: $1000

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-Month Certificate IRA
$1,000
4.07% ▲ 1.14% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 10 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Traditional Share Certificate
$1,000
4.07% ▲ 1.14% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.14% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 5, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
18 Month CD Special with Active Account
$0
4.05% ▲ 1.12% above New York avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.12% above avgNationally 2.88%
Details

Balance: $1,000 to $99,999; Special with Active Account

Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 11 times
3.55%4.05%4.55%Sep 8, 2026: 4.05% APYSep 8, 2026Oct 25, 2026
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
18 Month Certificates
$100
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Business Certificates - 18-Month
$100
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00% ▲ 1.07% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18 Month CD
$0
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Limited time offer; Balance: $500+; Open to existing or new Private Checking account holders

Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
0.00%3.99%7.98%Sep 9, 2026: 0.02% APYOct 2, 2026: 4.00% APYSep 9, 2026Oct 25, 2026
  • Oct 2, 20264.00%▲ from 0.02%
  • Sep 9, 20260.02%first recorded
Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Certificates of Deposit - 18 Month Pick Your Term
$5,000
4.00% ▲ 1.07% above New York avg
View
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details

Balance Required to Obtain APY: $5,000 or more

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026

Rochester 24 Month CD Rates

New York 24 Month CD Average2.92% APYNational 2.90%▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
225 W Broad St, Rochester, NY 14608
7 - 24 Month Share Certificate
$0
4.25% ▲ 1.33% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details

Choose Your Own Term! 7 to 24 months!

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 25, 2026
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1130 E Main St, Rochester, NY 14609
Share Certificate - 24-Month
$500
4.00% ▲ 1.08% above New York avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.08% above avgNationally 2.90%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 25, 2026
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 State St Fl 3, Rochester, NY 14614
24 Month Certificates of Deposits
$50,000
3.85% ▲ 0.93% above New York avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 0.93% above avgNationally 2.90%
Details

Interest Rate: 3.783%; Rates Effective 06/12/2026

Rate History
No change since Sep 11, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 11, 2026: 3.85% APYSep 11, 2026Oct 25, 2026
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
150 State St Fl 3, Rochester, NY 14614
24 Month Certificates of Deposits
$0
3.60% ▲ 0.68% above New York avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 0.68% above avgNationally 2.90%
Details

Minimum $1,000.00; Rates Effective 06/12/2026

Rate History
No change since Sep 11, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 11, 2026: 3.60% APYSep 11, 2026Oct 25, 2026
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
1275 Lexington Ave, Rochester, NY 14606
Certificate Shares - 24 months
$0
3.56% ▲ 0.64% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.64% above avgNationally 2.90%
Details

Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04%
2.52%3.30%4.08%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
460 N Goodman St, Rochester, NY 14609 6135
24 Month Certificate Special
$0
3.50% ▲ 0.58% above New York avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Effective as of: October 13, 2026

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 24 Month Jumbo
$0
3.50% ▲ 0.58% above New York avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.58% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35%
2.85%3.43%4.00%Sep 21, 2026: 3.35% APYSep 29, 2026: 3.50% APYSep 21, 2026Oct 25, 2026
  • Sep 29, 20263.50%▲ from 3.35%
  • Sep 21, 20263.35%first recorded
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 24 Month
$0
3.40% ▲ 0.48% above New York avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.48% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25%
2.75%3.33%3.90%Sep 14, 2026: 3.25% APYSep 29, 2026: 3.40% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.40%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
2 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.35% ▲ 0.43% above New York avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.43% above avgNationally 2.90%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
2 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.20% ▲ 0.28% above New York avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.28% above avgNationally 2.90%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 15, 2026: 3.20% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
2 Year Regular Certificate (Personal)
$0
3.20% ▲ 0.28% above New York avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.28% above avgNationally 2.90%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 15, 2026: 3.20% APYOct 15, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2000 Monroe Ave, Rochester, NY 14618
2 Year Online CD
$0
3.00% ▲ 0.08% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.08% above avgNationally 2.90%
Details

Interest rate 2.96%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Ever $ Green Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
2215 E Henrietta Rd, Rochester, NY 14623
24 Month Certificates-Pays Interest Monthly
$500
3.00% ▲ 0.08% above New York avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 0.08% above avgNationally 2.90%
Details

Term: 24 Months to 35 Months; Pays Interest Monthly

Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 15, 2026: 3.00% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
2 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.75% ▼ 0.17% below New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 0.17% below avgNationally 2.90%
Details

Balance: $100,000 and above

Rate History
No change since Oct 23, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 23, 2026: 2.75% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 2 years
$0
2.75% ▼ 0.17% below New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 0.17% below avgNationally 2.90%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
2 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.65% ▼ 0.27% below New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 0.27% below avgNationally 2.90%
Details

Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY

Rate History
No change since Oct 23, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 23, 2026: 2.65% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 2 years
$0
2.65% ▼ 0.27% below New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 0.27% below avgNationally 2.90%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 25, 2026
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
3228 Chili Ave, Rochester, NY 14624
24 Month CNSaver Online CD
$1,000
2.50% ▼ 0.42% below New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 0.42% below avgNationally 2.90%
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 · 2.50% APY
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
2 Year Certificate of Deposit
$500
2.25% ▼ 0.67% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▼ 0.67% below avgNationally 2.90%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
2 Year IRA Certificate of Deposit
$500
2.25% ▼ 0.67% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▼ 0.67% below avgNationally 2.90%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 25, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
2 Year Share Certificate
$500
1.51% ▼ 1.41% below New York avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 1.41% below avgNationally 2.90%
Details

Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly.

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 25, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
IRA Share Certificate - 2 years
$500
1.51% ▼ 1.41% below New York avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 1.41% below avgNationally 2.90%
Details

Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 23, 2026 · 1.51% APY
1.01%1.51%2.01%Oct 23, 2026: 1.51% APYOct 23, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
24 Month Call Certificate
$500
0.15% ▼ 2.77% below New York avg
View
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.77% below avgNationally 2.90%
Details

Call Certificate; APY guaranteed for the initial six months of the 24-month term; ESL may call the certificate one time every six months; penalty may apply for early withdrawal

Rate History
No change since Oct 22, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Jumbo Certificate - 24 month jumbo
$0
0.15% ▼ 2.77% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.77% below avgNationally 2.90%
Details

Available Online: Other Options

Rate History
No change since Oct 22, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Fixed Rate Certificate - 24 month
$0
0.12% ▼ 2.80% below New York avg
View
▼
Rate0.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.80% below avgNationally 2.90%
Details

Minimum balance to open and obtain APY: $500 (terms greater than 45 days); Available Online: Open Online

Rate History
No change since Oct 22, 2026 · 0.12% APY
0.00%0.31%0.62%Oct 22, 2026: 0.12% APYOct 22, 2026Oct 25, 2026
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
2 Year Youth Share Certificate
$0
5.00% ▲ 2.08% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 2.08% above avgNationally 2.90%
Details

Balance: $50 - $5,000; Effective as of June 15, 2026

Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Oct 5, 2026: 5.00% APYOct 5, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Month Certificate of Deposit
$0
4.80% ▲ 1.88% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
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%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 25, 2026
  • 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% ▲ 1.88% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 25, 2026
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month CD
$0
4.80% ▲ 1.88% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 24, 2026 · 4.45% → 4.80% ▲ 0.35 pts · high 4.80% / low 4.45%
3.95%4.63%5.30%Sep 24, 2026: 4.45% APYOct 1, 2026: 4.65% APYOct 14, 2026: 4.70% APYOct 19, 2026: 4.80% APYSep 24, 2026Oct 25, 2026
  • Oct 19, 20264.80%▲ from 4.70%
  • Oct 14, 20264.70%▲ from 4.65%
  • Oct 1, 20264.65%▲ from 4.45%
  • Sep 24, 20264.45%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Regular IRA And Roth IRA CD
$0
4.75% ▲ 1.83% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.83% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 19, 2026: 4.75% APYOct 19, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60% ▲ 1.68% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.68% above avgNationally 2.90%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
3.95%4.53%5.10%Sep 27, 2026: 4.45% APYOct 14, 2026: 4.60% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.60%▲ from 4.45%
  • Sep 27, 20264.45%first recorded
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
2-Year Treasury Indexed CD
$0
4.59% ▲ 1.67% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.67% above avgNationally 2.90%
Details

TOP THE TREASURY; variable yield account with no cap; risk-free

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 7 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 2-year
$1,000
4.55% ▲ 1.63% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.63% above avgNationally 2.90%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year Certificate
$500
4.53% ▲ 1.61% above New York avg
View
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.61% above avgNationally 2.90%
Details

Early withdrawal penalty: 180 days simple interest

Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 4 times
4.03%4.53%5.03%Oct 5, 2026: 4.53% APYOct 5, 2026Oct 25, 2026
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
24 Month Certificate of Deposit
$500
4.45% ▲ 1.53% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
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%
3.75%4.35%4.95%Sep 20, 2026: 4.25% APYOct 3, 2026: 4.30% APYOct 22, 2026: 4.45% APYSep 20, 2026Oct 25, 2026
  • 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% ▲ 1.53% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
Details

In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY

Rate History
3 changes since Sep 14, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
3.35%4.18%5.00%Sep 14, 2026: 3.90% APYSep 20, 2026: 4.25% APYOct 3, 2026: 4.30% APYOct 22, 2026: 4.45% APYSep 14, 2026Oct 25, 2026
  • Oct 22, 20264.45%▲ from 4.30%
  • Oct 3, 20264.30%▲ from 4.25%
  • Sep 20, 20264.25%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 24 Months
$500
4.45% ▲ 1.53% above New York avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
Details

Available: Online

Rate History
No change since Oct 22, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 22, 2026: 4.45% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.42% ▲ 1.50% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.50% above avgNationally 2.90%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYOct 2, 2026: 4.42% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
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%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • 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%
HSBC Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 24 Month
$1,000
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online Certificate of Deposit - 24 months
$1,000
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2-Year CD - Promo
$0
4.40% ▲ 1.48% above New York avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details

Promotional product; can be discontinued at any time

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
24 Month Certificate of Deposit
$1,000
4.40% ▲ 1.48% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
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%
3.70%4.30%4.90%Sep 25, 2026: 4.20% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • Oct 12, 20264.40%▲ from 4.20%
  • Sep 25, 20264.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.37% ▲ 1.45% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.45% above avgNationally 2.90%
Details

Balance: $50,000.00

Rate History
2 changes since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYSep 24, 2026: 4.22% APYOct 2, 2026: 4.37% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.37%▲ from 4.22%
  • Sep 24, 20264.22%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 24 month
$0
4.35% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
2.45%3.87%5.30%Sep 18, 2026: 3.40% APYOct 7, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20264.35%▲ from 3.40%
  • Sep 18, 20263.40%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 24 Months
$0
4.35% ▲ 1.43% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
Details

Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026

Rate History
No change since Oct 20, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 20, 2026: 4.35% APYOct 20, 2026Oct 25, 2026
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24 Month Certificate
$0
4.35% ▲ 1.43% above New York avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
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%
2.65%3.93%5.20%Sep 14, 2026: 3.50% APYSep 22, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.42% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.42% above avgNationally 2.90%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 15, 2026: 4.34% APYOct 15, 2026Oct 25, 2026
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Long-Term Certificates - 24-month
$50,000
4.34% ▲ 1.42% above New York avg
View
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.42% above avgNationally 2.90%
Details

Long-Term Certificate; Minimum deposit $50,000.00

Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 9 times
3.84%4.34%4.84%Sep 14, 2026: 4.34% APYSep 14, 2026Oct 25, 2026

Rochester 36 Month CD Rates

New York 36 Month CD Average2.73% APYNational 2.81%▼ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1130 E Main St, Rochester, NY 14609
Share Certificate - 36-Month
$500
3.75% ▲ 1.02% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.02% above avgNationally 2.81%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
1275 Lexington Ave, Rochester, NY 14606
Certificate Shares - 36 months
$0
3.56% ▲ 0.83% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.83% above avgNationally 2.81%
Details

Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04%
2.52%3.30%4.08%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.35% ▲ 0.62% above New York avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.62% above avgNationally 2.81%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 15, 2026: 3.35% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.20% ▲ 0.47% above New York avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.47% above avgNationally 2.81%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 15, 2026: 3.20% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Year Regular Certificate (Personal)
$0
3.20% ▲ 0.47% above New York avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.47% above avgNationally 2.81%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 15, 2026: 3.20% APYOct 15, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 36 Month Jumbo
$0
3.10% ▲ 0.37% above New York avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.37% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 2.70% → 3.10% ▲ 0.40 pts · high 3.10% / low 2.70%
2.20%2.90%3.60%Sep 21, 2026: 2.70% APYSep 29, 2026: 3.10% APYSep 21, 2026Oct 25, 2026
  • Sep 29, 20263.10%▲ from 2.70%
  • Sep 21, 20262.70%first recorded
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 36 Month
$0
3.00% ▲ 0.27% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 0.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.60% → 3.00% ▲ 0.40 pts · high 3.00% / low 2.60%
2.10%2.80%3.50%Sep 14, 2026: 2.60% APYSep 29, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.00%▲ from 2.60%
  • Sep 14, 20262.60%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2000 Monroe Ave, Rochester, NY 14618
3 Year Online CD
$0
2.75% ▲ 0.02% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.02% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.70% ▼ 0.03% below New York avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.03% below avgNationally 2.81%
Details

Balance: $100,000 and above

Rate History
No change since Oct 23, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 23, 2026: 2.70% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 3 years
$0
2.70% ▼ 0.03% below New York avg
View
▼
Rate2.67%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.03% below avgNationally 2.81%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 15, 2026: 2.70% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
3 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.60% ▼ 0.13% below New York avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.13% below avgNationally 2.81%
Details

Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY

Rate History
No change since Oct 23, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 23, 2026: 2.60% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 3 years
$0
2.60% ▼ 0.13% below New York avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.13% below avgNationally 2.81%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 15, 2026: 2.60% APYOct 15, 2026Oct 25, 2026
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
460 N Goodman St, Rochester, NY 14609 6135
36 Month Share Certificate
$0
2.27% ▼ 0.46% below New York avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.46% below avgNationally 2.81%
Details

Effective as of: October 13, 2026

Rate History
No change since Sep 25, 2026 · 2.27% APY · checked 6 times
1.77%2.27%2.77%Sep 25, 2026: 2.27% APYSep 25, 2026Oct 25, 2026
Ever $ Green Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
2215 E Henrietta Rd, Rochester, NY 14623
36 Month Certificates-Pays Interest Monthly
$500
2.00% ▼ 0.73% below New York avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.73% below avgNationally 2.81%
Details

Term: 36 Months to 47 Months; Pays Interest Monthly

Rate History
No change since Oct 15, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 15, 2026: 2.00% APYOct 15, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
3 Year Certificate of Deposit
$500
1.40% ▼ 1.33% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▼ 1.33% below avgNationally 2.81%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 9 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
3 Year IRA Certificate of Deposit
$500
1.40% ▼ 1.33% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▼ 1.33% below avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Sep 27, 2026: 1.40% APYSep 27, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Jumbo Certificate - 36 month jumbo
$0
0.20% ▼ 2.53% below New York avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 2.53% below avgNationally 2.81%
Details

Available Online: Other Options

Rate History
No change since Oct 22, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Fixed Rate Certificate - 36 month
$0
0.15% ▼ 2.58% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 2.58% below avgNationally 2.81%
Details

Minimum balance to open and obtain APY: $500 (terms greater than 45 days); Available Online: Open Online

Rate History
No change since Oct 22, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 36 Month CD
$0
4.90% ▲ 2.17% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.90% APY · checked 2 times
4.40%4.90%5.40%Oct 20, 2026: 4.90% APYOct 20, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 36 Month CD
$0
4.90% ▲ 2.17% above New York avg
View
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.90% APY · checked 3 times
4.40%4.90%5.40%Oct 14, 2026: 4.90% APYOct 14, 2026Oct 25, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
36 Month Term Account
$0
4.90% ▲ 2.17% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
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
1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%
3.10%4.45%5.80%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.90% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.90%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 36 MONTH TERM ACCOUNT
$100
4.90% ▲ 2.17% above New York avg
View
▼
Rate4.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
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%
3.10%4.45%5.80%Oct 13, 2026: 4.00% APYOct 23, 2026: 4.90% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20264.90%▲ from 4.00%
  • Oct 13, 20264.00%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month CD
$0
4.85% ▲ 2.12% above New York avg
View
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 2.12% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
4.00%4.68%5.35%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.80% APYOct 14, 2026: 4.85% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.85%▲ from 4.80%
  • Oct 1, 20264.80%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Month Certificate of Deposit
$0
4.80% ▲ 2.07% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.07% above avgNationally 2.81%
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%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 25, 2026
  • 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% ▲ 2.07% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.07% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 25, 2026
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 3-year
$1,000
4.55% ▲ 1.82% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 1.82% above avgNationally 2.81%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.52% ▲ 1.79% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.79% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
3.77%4.40%5.02%Sep 18, 2026: 4.27% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.52%▲ from 4.27%
  • Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 36 Months
$0
4.52% ▲ 1.79% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.79% above avgNationally 2.81%
Details

Balance: $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%
3.61%4.31%5.02%Sep 8, 2026: 4.11% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.77% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.77% above avgNationally 2.81%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.47% ▲ 1.74% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.74% above avgNationally 2.81%
Details

Balance: $50,000.00

Rate History
2 changes since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
3.72%4.35%4.97%Sep 18, 2026: 4.22% APYSep 24, 2026: 4.27% APYOct 2, 2026: 4.47% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.47%▲ from 4.27%
  • Sep 24, 20264.27%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 36 Months
$0
4.47% ▲ 1.74% above New York avg
View
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.74% above avgNationally 2.81%
Details

Balance: $50,000.00

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
3.56%4.27%4.97%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.47% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.67% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.67% 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%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • 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% ▲ 1.67% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.67% above avgNationally 2.81%
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%
3.75%4.33%4.90%Sep 25, 2026: 4.25% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • 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% ▲ 1.62% above New York avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 14, 2026: 4.05% APYOct 1, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.62% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
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%
3.55%4.20%4.85%Sep 14, 2026: 4.05% APYOct 6, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.62% above New York avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
Details

Balance: $500 minimum daily balance to earn the disclosed APY; Rates as of 10/1/2026; Dividends paid monthly

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.32% ▲ 1.59% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.59% above avgNationally 2.81%
Details

Balance: $25,000.00

Rate History
2 changes since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
3.56%4.19%4.82%Sep 18, 2026: 4.06% APYSep 24, 2026: 4.27% APYOct 2, 2026: 4.32% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.32%▲ from 4.27%
  • Sep 24, 20264.27%▲ from 4.06%
  • Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 36 Months
$0
4.32% ▲ 1.59% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.59% above avgNationally 2.81%
Details

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 3.91% → 4.32% ▲ 0.41 pts · high 4.32% / low 3.91%
3.41%4.12%4.82%Sep 8, 2026: 3.91% APYOct 20, 2026: 4.32% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.56% above New York avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.56% above avgNationally 2.81%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 15, 2026: 4.29% APYOct 15, 2026Oct 25, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.52% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.52% above avgNationally 2.81%
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%
2.25%3.75%5.25%Sep 14, 2026: 3.25% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.49% above New York avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.49% above avgNationally 2.81%
Details

Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest

Rate History
2 changes since Sep 14, 2026 · 3.59% → 4.22% ▲ 0.63 pts · high 4.22% / low 3.59%
2.96%3.91%4.85%Sep 14, 2026: 3.59% APYSep 25, 2026: 3.80% APYOct 5, 2026: 4.22% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.22%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.59%
  • Sep 14, 20263.59%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 36 Month
$500
4.20% ▲ 1.47% above New York avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.47% 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 · 4.20% APY
3.70%4.20%4.70%Oct 23, 2026: 4.20% APYOct 23, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15% ▲ 1.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.42% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Year Share Certificate
$1,000
4.15% ▲ 1.42% above New York avg
View
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.42% above avgNationally 2.81%
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%
3.48%4.07%4.65%Sep 14, 2026: 3.98% APYOct 15, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.37% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
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% ▲ 1.37% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% 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 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 years up to 4
$1,000
4.10% ▲ 1.37% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% 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 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 3 years up to 4
$1,000
4.10% ▲ 1.37% above New York avg
View
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% 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 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 36 Month
$500
4.10% ▲ 1.37% above New York avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details

Minimum to open and obtain APY is $500

Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 15, 2026: 4.10% APYOct 15, 2026Oct 25, 2026
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month CD
$1,000
4.07% ▲ 1.34% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.34% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026

Rochester 48 Month CD Rates

New York 48 Month CD Average2.61% APYNational 2.81%▼ 0.10% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1130 E Main St, Rochester, NY 14609
Share Certificate - 48-Month
$500
3.75% ▲ 1.14% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.14% above avgNationally 2.81%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
1275 Lexington Ave, Rochester, NY 14606
Certificate Shares - 48 months
$0
3.56% ▲ 0.95% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.95% above avgNationally 2.81%
Details

Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04%
2.52%3.30%4.08%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
4 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.40% ▲ 0.79% above New York avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.79% above avgNationally 2.81%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 15, 2026: 3.40% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
4 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.25% ▲ 0.64% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.64% above avgNationally 2.81%
Details

Balance: Under $100,000; Regular

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
4 Year Regular Certificate (Personal)
$0
3.25% ▲ 0.64% above New York avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.64% above avgNationally 2.81%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 48 Month Jumbo
$0
3.10% ▲ 0.49% above New York avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 2.30% → 3.10% ▲ 0.80 pts · high 3.10% / low 2.30%
1.50%2.70%3.90%Sep 21, 2026: 2.30% APYSep 29, 2026: 3.10% APYSep 21, 2026Oct 25, 2026
  • Sep 29, 20263.10%▲ from 2.30%
  • Sep 21, 20262.30%first recorded
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 48 Month
$0
3.00% ▲ 0.39% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.39% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.20% → 3.00% ▲ 0.80 pts · high 3.00% / low 2.20%
1.40%2.60%3.80%Sep 14, 2026: 2.20% APYSep 29, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.00%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2000 Monroe Ave, Rochester, NY 14618
4 Year Online CD
$0
2.75% ▲ 0.14% above New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 0.14% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
4 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.65% ▲ 0.04% above New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.04% above avgNationally 2.81%
Details

Balance: $100,000 and above

Rate History
No change since Oct 23, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 23, 2026: 2.65% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 4 years
$0
2.65% ▲ 0.04% above New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 0.04% above avgNationally 2.81%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
4 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.55% ▼ 0.06% below New York avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.06% below avgNationally 2.81%
Details

Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY

Rate History
No change since Oct 23, 2026 · 2.55% APY
2.05%2.55%3.05%Oct 23, 2026: 2.55% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 4 years
$0
2.55% ▼ 0.06% below New York avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.06% below avgNationally 2.81%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.55% APY · checked 2 times
2.05%2.55%3.05%Oct 15, 2026: 2.55% APYOct 15, 2026Oct 25, 2026
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
460 N Goodman St, Rochester, NY 14609 6135
48 Month Share Certificate
$0
2.52% ▼ 0.09% below New York avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.09% below avgNationally 2.81%
Details

Effective as of: October 13, 2026

Rate History
No change since Sep 25, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Sep 25, 2026: 2.52% APYSep 25, 2026Oct 25, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
4 Year Share Certificate
$500
2.52% ▼ 0.09% below New York avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.09% below avgNationally 2.81%
Details

Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly.

Rate History
No change since Oct 8, 2026 · 2.52% APY · checked 2 times
2.02%2.52%3.02%Oct 8, 2026: 2.52% APYOct 8, 2026Oct 25, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
IRA Share Certificate - 4 years
$500
2.52% ▼ 0.09% below New York avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.09% below avgNationally 2.81%
Details

Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 23, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 23, 2026: 2.52% APYOct 23, 2026Oct 25, 2026
Ever $ Green Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
2215 E Henrietta Rd, Rochester, NY 14623
48 Month Certificates-Pays Interest Monthly
$500
2.25% ▼ 0.36% below New York avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.36% below avgNationally 2.81%
Details

Term: 48 Months to 59 Months; Pays Interest Monthly

Rate History
No change since Oct 15, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 15, 2026: 2.25% APYOct 15, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
4 Year Certificate of Deposit
$500
1.15% ▼ 1.46% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▼ 1.46% below avgNationally 2.81%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 9 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
4 Year IRA Certificate of Deposit
$500
1.15% ▼ 1.46% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▼ 1.46% below avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Sep 27, 2026: 1.15% APYSep 27, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Jumbo Certificate - 48 month jumbo
$0
0.20% ▼ 2.41% below New York avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.41% below avgNationally 2.81%
Details

Available Online: Other Options

Rate History
No change since Oct 22, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Fixed Rate Certificate - 48 month
$0
0.15% ▼ 2.46% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.46% below avgNationally 2.81%
Details

Minimum balance to open and obtain APY: $500 (terms greater than 45 days); Available Online: Open Online

Rate History
No change since Oct 22, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 25, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Certificate
$100
5.00% ▲ 2.39% above New York avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 2.39% 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%
3.30%4.58%5.85%Sep 14, 2026: 4.15% APYOct 23, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 2.39% above New York avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 2.39% 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
1 change since Oct 5, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
3.30%4.58%5.85%Oct 5, 2026: 4.15% APYOct 23, 2026: 5.00% APYOct 5, 2026Oct 25, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Oct 5, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month CD
$0
4.95% ▲ 2.34% above New York avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 2.34% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
4.00%4.73%5.45%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.85% APYOct 14, 2026: 4.95% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20264.95%▲ from 4.85%
  • Oct 1, 20264.85%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.58% ▲ 1.97% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.97% above avgNationally 2.81%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.58%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 48 Months
$0
4.58% ▲ 1.97% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.97% above avgNationally 2.81%
Details

Balance: $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%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.94% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 1.94% above avgNationally 2.81%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.52% ▲ 1.91% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.91% above avgNationally 2.81%
Details

Balance: $50,000.00

Rate History
2 changes since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
3.82%4.42%5.02%Sep 18, 2026: 4.32% APYSep 24, 2026: 4.37% APYOct 2, 2026: 4.52% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.52%▲ from 4.37%
  • Sep 24, 20264.37%▲ from 4.32%
  • Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 48 Months
$0
4.52% ▲ 1.91% above New York avg
View
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.91% above avgNationally 2.81%
Details

Balance: $50,000.00

Rate History
1 change since Sep 8, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
3.66%4.34%5.02%Sep 8, 2026: 4.16% APYOct 20, 2026: 4.52% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.89% above New York avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.89% above avgNationally 2.81%
Details

Rates effective as of 10/07/26

Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APYOct 13, 2026Oct 25, 2026
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40% ▲ 1.79% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.79% 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%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • 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% ▲ 1.79% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.79% 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%
3.80%4.35%4.90%Sep 25, 2026: 4.30% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • 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% ▲ 1.78% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.78% above avgNationally 2.81%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 48 Month CD
$0
4.38% ▲ 1.77% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 1.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 4.38% APY · checked 2 times
3.88%4.38%4.88%Oct 20, 2026: 4.38% APYOct 20, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 48 Month CD
$0
4.38% ▲ 1.77% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 1.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 4.38% APY · checked 3 times
3.88%4.38%4.88%Oct 14, 2026: 4.38% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.37% ▲ 1.76% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.76% above avgNationally 2.81%
Details

Balance: $25,000.00

Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
3.66%4.27%4.87%Sep 18, 2026: 4.16% APYSep 24, 2026: 4.37% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.37%▲ from 4.16%
  • Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 48 Months
$0
4.37% ▲ 1.76% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.76% above avgNationally 2.81%
Details

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 4.01% → 4.37% ▲ 0.36 pts · high 4.37% / low 4.01%
3.51%4.19%4.87%Sep 8, 2026: 4.01% APYOct 20, 2026: 4.37% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.73% above New York avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.73% 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%
3.53%4.19%4.84%Sep 14, 2026: 4.03% APYOct 5, 2026: 4.34% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.71% above New York avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.71% above avgNationally 2.81%
Details

Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest

Rate History
2 changes since Sep 14, 2026 · 3.49% → 4.32% ▲ 0.83 pts · high 4.32% / low 3.49%
2.66%3.91%5.15%Sep 14, 2026: 3.49% APYSep 25, 2026: 3.80% APYOct 5, 2026: 4.32% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.32%▲ from 3.80%
  • Sep 25, 20263.80%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 48 Month
$500
4.25% ▲ 1.64% above New York avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.64% 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
3.75%4.25%4.75%Oct 23, 2026: 4.25% APYOct 23, 2026Oct 25, 2026
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
48 Month Share Certificates & IRA Certificates
$0
4.25% ▲ 1.64% above New York avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.64% 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%
1.75%3.63%5.50%Sep 14, 2026: 3.00% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.59% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% 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 2 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 4 years up to 5
$1,000
4.20% ▲ 1.59% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% 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 2 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 4 years up to 5
$1,000
4.20% ▲ 1.59% above New York avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% 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 2 times
3.70%4.20%4.70%Oct 20, 2026: 4.20% APYOct 20, 2026Oct 25, 2026
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.20% ▲ 1.59% above New York avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.59% 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%
3.53%4.12%4.70%Sep 14, 2026: 4.03% APYOct 15, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
  • 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% ▲ 1.54% above New York avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.54% 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 2 times
3.65%4.15%4.65%Oct 15, 2026: 4.15% APYOct 15, 2026Oct 25, 2026
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month CD
$1,000
4.07% ▲ 1.46% above New York avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 22, 2026: 4.07% APYOct 22, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.06% ▲ 1.45% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details

Balance: $10,000.00

Rate History
2 changes since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.16% / low 3.85%
3.35%4.01%4.66%Sep 18, 2026: 3.85% APYSep 24, 2026: 4.16% APYOct 2, 2026: 4.06% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.06%▼ from 4.16%
  • Sep 24, 20264.16%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 48 Months
$0
4.06% ▲ 1.45% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details

Balance: $10,000.00

Rate History
1 change since Sep 8, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 8, 2026: 3.70% APYOct 20, 2026: 4.06% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.45% above New York avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details

Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal

Rate History
1 change since Sep 12, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 12, 2026: 3.80% APYOct 4, 2026: 4.06% APYSep 12, 2026Oct 25, 2026
  • Oct 4, 20264.06%▲ from 3.80%
  • Sep 12, 20263.80%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Account 48-Month
$500
4.05% ▲ 1.44% above New York avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 1.44% 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
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
3.10%3.83%4.55%Sep 14, 2026: 3.60% APYSep 27, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Sep 27, 20264.05%▲ from 3.60%
  • Sep 14, 20263.60%first recorded

Rochester 60 Month CD Rates

New York 60 Month CD Average2.83% APYNational 2.92%▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
1130 E Main St, Rochester, NY 14609
Share Certificate - 60-Month
$500
3.75% ▲ 0.92% above New York avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.92% above avgNationally 2.92%
Details

Fixed; Regular or IRA/HSA Share Certificate

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
5 Year Regular & Jumbo Certificates (Personal) - Jumbo
$0
3.70% ▲ 0.87% above New York avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.87% above avgNationally 2.92%
Details

Balance: $100,000 and above; Jumbo

Rate History
1 change since Oct 15, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45%
2.95%3.58%4.20%Oct 15, 2026: 3.45% APYOct 23, 2026: 3.70% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20263.70%▲ from 3.45%
  • Oct 15, 20263.45%first recorded
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
1275 Lexington Ave, Rochester, NY 14606
Certificate Shares - 60 months
$0
3.56% ▲ 0.73% above New York avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.73% above avgNationally 2.92%
Details

Penalty for early withdrawal applies

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.56% ▲ 0.52 pts · high 3.56% / low 3.04%
2.52%3.30%4.08%Sep 14, 2026: 3.04% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.56%▲ from 3.04%
  • Sep 14, 20263.04%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
5 Year Regular & Jumbo Certificates (Personal) - Regular
$0
3.55% ▲ 0.72% above New York avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.72% above avgNationally 2.92%
Details

Balance: Under $100,000; Regular

Rate History
1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Oct 15, 2026: 3.30% APYOct 23, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20263.55%▲ from 3.30%
  • Oct 15, 20263.30%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
5 Year Regular Certificate (Personal)
$0
3.55% ▲ 0.72% above New York avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.72% above avgNationally 2.92%
Details

Balance: Under $100,000; Dividend Rate / APY as printed in source table

Rate History
1 change since Oct 15, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Oct 15, 2026: 3.30% APYOct 23, 2026: 3.55% APYOct 15, 2026Oct 25, 2026
  • Oct 23, 20263.55%▲ from 3.30%
  • Oct 15, 20263.30%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
5 Year Share Certificate
$500
3.29% ▲ 0.46% above New York avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.46% above avgNationally 2.92%
Details

Penalty applies to withdraw principal before maturity; dividends may be withdrawn anytime without penalty. Dividends compounded and credited quarterly.

Rate History
No change since Oct 8, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 8, 2026: 3.29% APYOct 8, 2026Oct 25, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
824 E Ridge Rd, Rochester, NY 14621
IRA Share Certificate - 5 years
$500
3.29% ▲ 0.46% above New York avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.46% above avgNationally 2.92%
Details

Rates effective as of 10/9/26; IRA Share Certificates (Traditional, Roth, & Coverdell)

Rate History
No change since Oct 23, 2026 · 3.29% APY
2.79%3.29%3.79%Oct 23, 2026: 3.29% APYOct 23, 2026Oct 25, 2026
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 60 Month Jumbo
$0
3.10% ▲ 0.27% above New York avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.27% above avgNationally 2.92%
Details

Rate History
1 change since Sep 21, 2026 · 2.30% → 3.10% ▲ 0.80 pts · high 3.10% / low 2.30%
1.50%2.70%3.90%Sep 21, 2026: 2.30% APYSep 29, 2026: 3.10% APYSep 21, 2026Oct 25, 2026
  • Sep 29, 20263.10%▲ from 2.30%
  • Sep 21, 20262.30%first recorded
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
2998 Chili Ave, Rochester, NY 14624 4537
Share Certificate 60 Month
$0
3.00% ▲ 0.17% above New York avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.17% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 2.20% → 3.00% ▲ 0.80 pts · high 3.00% / low 2.20%
1.40%2.60%3.80%Sep 14, 2026: 2.20% APYSep 29, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
  • Sep 29, 20263.00%▲ from 2.20%
  • Sep 14, 20262.20%first recorded
Rochester & Monroe County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
460 N Goodman St, Rochester, NY 14609 6135
60 Month Share Certificate
$0
2.78% ▼ 0.05% below New York avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.05% below avgNationally 2.92%
Details

Effective as of: October 13, 2026

Rate History
No change since Sep 25, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 25, 2026: 2.78% APYSep 25, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2000 Monroe Ave, Rochester, NY 14618
5 Year Online CD
$0
2.75% ▼ 0.08% below New York avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 0.08% below avgNationally 2.92%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2000 Monroe Ave, Rochester, NY 14618
Online CD - 5 Year
$0
2.75% ▼ 0.08% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 0.08% below avgNationally 2.92%
Details

Online CD; Open online; APY accurate as of 07/28/2026

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
5 Year Regular & Jumbo Certificates (Business) - Jumbo
$0
2.75% ▼ 0.08% below New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.08% below avgNationally 2.92%
Details

Balance: $100,000 and above

Rate History
No change since Oct 23, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 23, 2026: 2.75% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 5 years
$0
2.75% ▼ 0.08% below New York avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.08% below avgNationally 2.92%
Details

Balance: $100,000 and above; Jumbo

Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APYOct 15, 2026Oct 25, 2026
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2520 Browncroft Blvd, Rochester, NY 14625
Jumbo Certificate - Jumbo 60 Months
$0
2.70% ▼ 0.13% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.13% below avgNationally 2.92%
Details

Jumbo; Minimum balance of $100,000

Rate History
No change since Oct 23, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 23, 2026: 2.70% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
5 Year Regular & Jumbo Certificates (Business) - Regular
$0
2.65% ▼ 0.18% below New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.18% below avgNationally 2.92%
Details

Balance: Under $100,000; $500 minimum balance to open business share certificate and obtain APY

Rate History
No change since Oct 23, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 23, 2026: 2.65% APYOct 23, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
1425 Jefferson Rd, Rochester, NY 14623
Regular & Jumbo Certificates (Business) - 5 years
$0
2.65% ▼ 0.18% below New York avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.18% below avgNationally 2.92%
Details

Balance: Under $100,000; Regular; $500 minimum balance to open business certificate and obtain APY

Rate History
No change since Oct 15, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 15, 2026: 2.65% APYOct 15, 2026Oct 25, 2026
Family First Of NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.01%
2520 Browncroft Blvd, Rochester, NY 14625
Certificate - 60 Months
$0
2.55% ▼ 0.28% below New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.28% below avgNationally 2.92%
Details

Min. To Earn Dividend: $500

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 5 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 25, 2026
Genesee Regional Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1850 Winton Rd S, Rochester, NY 14618
CD 60 Months + - Elite
$500
2.25% ▼ 0.58% below New York avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.58% below avgNationally 2.92%
Details

Elite rates reserved for GRB Elite Banking customers only

Rate History
No change since Oct 22, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 22, 2026: 2.25% APYOct 22, 2026Oct 25, 2026
Ever $ Green Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.05%
2215 E Henrietta Rd, Rochester, NY 14623
60 Month Certificates-Pays Interest Monthly
$500
2.25% ▼ 0.58% below New York avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.58% below avgNationally 2.92%
Details

Pays Interest Monthly

Rate History
No change since Oct 15, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 15, 2026: 2.25% APYOct 15, 2026Oct 25, 2026
Genesee Regional Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.91%
1850 Winton Rd S, Rochester, NY 14618
CD 60 Months +
$500
2.00% ▼ 0.83% below New York avg
View
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.83% below avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
5 Year Certificate of Deposit
$500
1.25% ▼ 1.58% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 1.58% below avgNationally 2.92%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2150 Chili Ave, Rochester, NY 14624
5 Year IRA Certificate of Deposit
$500
1.25% ▼ 1.58% below New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 1.58% below avgNationally 2.92%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
60 Month Call Certificate
$500
0.20% ▼ 2.63% below New York avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 2.63% below avgNationally 2.92%
Details

Call Certificate; APY guaranteed for the initial 12 months of the 60-month term; ESL may call the certificate one time every six months; penalty may apply for early withdrawal

Rate History
No change since Oct 22, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Jumbo Certificate - 60 month jumbo
$0
0.20% ▼ 2.63% below New York avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 2.63% below avgNationally 2.92%
Details

Available Online: Other Options

Rate History
No change since Oct 22, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 25, 2026
ESL
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
100 Canal View Blvd, Rochester, NY 14623
Fixed Rate Certificate - 60 month
$0
0.15% ▼ 2.68% below New York avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 2.68% below avgNationally 2.92%
Details

Minimum balance to open and obtain APY: $500 (terms greater than 45 days); Available Online: Open Online

Rate History
No change since Oct 22, 2026 · 0.15% APY
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 25, 2026
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Regular IRA And Roth IRA CD
$0
5.25% ▲ 2.42% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 2.42% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 5.25% APY
4.75%5.25%5.75%Oct 19, 2026: 5.25% APYOct 19, 2026Oct 25, 2026
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 60 MONTH TERM ACCOUNT
$0
5.00% ▲ 2.17% above New York avg
View
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 2.17% 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%
3.30%4.58%5.85%Oct 13, 2026: 4.15% APYOct 23, 2026: 5.00% APYOct 13, 2026Oct 25, 2026
  • Oct 23, 20265.00%▲ from 4.15%
  • Oct 13, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month CD
$0
5.00% ▲ 2.17% above New York avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 2.17% above avgNationally 2.92%
Details

Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 24, 2026: 4.50% APYOct 1, 2026: 4.95% APYOct 14, 2026: 5.00% APYSep 24, 2026Oct 25, 2026
  • Oct 14, 20265.00%▲ from 4.95%
  • Oct 1, 20264.95%▲ from 4.50%
  • Sep 24, 20264.50%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Month Term Certificate
$100
4.89% ▲ 2.06% above New York avg
View
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 2.06% 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
4.39%4.89%5.39%Oct 23, 2026: 4.89% APYOct 23, 2026Oct 25, 2026
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Month Certificate of Deposit
$0
4.80% ▲ 1.97% above New York avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.97% 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%
3.90%4.60%5.30%Oct 8, 2026: 4.40% APYOct 22, 2026: 4.80% APYOct 8, 2026Oct 25, 2026
  • 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% ▲ 1.97% above New York avg
View
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.97% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
4.30%4.80%5.30%Oct 22, 2026: 4.80% APYOct 22, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 60 Month CD
$0
4.64% ▲ 1.81% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 1.81% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.64% APY · checked 2 times
4.14%4.64%5.14%Oct 20, 2026: 4.64% APYOct 20, 2026Oct 25, 2026
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 60 Month CD
$0
4.64% ▲ 1.81% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 1.81% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 4.64% APY · checked 3 times
4.14%4.64%5.14%Oct 14, 2026: 4.64% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.63% ▲ 1.80% above New York avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.80% above avgNationally 2.92%
Details

Balance: $100,000.00 and over

Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
3.92%4.53%5.13%Sep 18, 2026: 4.42% APYOct 2, 2026: 4.63% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.63%▲ from 4.42%
  • Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 60 Months
$0
4.63% ▲ 1.80% above New York avg
View
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.80% above avgNationally 2.92%
Details

Balance: $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%
3.77%4.45%5.13%Sep 8, 2026: 4.27% APYOct 20, 2026: 4.63% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.75% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.75% above avgNationally 2.92%
Details

Balance: $50,000.00

Rate History
2 changes since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
3.87%4.48%5.08%Sep 18, 2026: 4.37% APYSep 24, 2026: 4.42% APYOct 2, 2026: 4.58% APYSep 18, 2026Oct 25, 2026
  • Oct 2, 20264.58%▲ from 4.42%
  • Sep 24, 20264.42%▲ from 4.37%
  • Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 60 Months
$0
4.58% ▲ 1.75% above New York avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.75% above avgNationally 2.92%
Details

Balance: $50,000.00

Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
3.72%4.40%5.08%Sep 8, 2026: 4.22% APYOct 20, 2026: 4.58% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.72% above New York avg
View
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 1.72% above avgNationally 2.92%
Details

Amount: $1,000.00 and up

Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
4.05%4.55%5.05%Oct 14, 2026: 4.55% APYOct 14, 2026Oct 25, 2026
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.42% ▲ 1.59% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.59% above avgNationally 2.92%
Details

Balance: $25,000.00

Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
3.72%4.32%4.92%Sep 18, 2026: 4.22% APYSep 24, 2026: 4.42% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20264.42%▲ from 4.22%
  • Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 60 Months
$0
4.42% ▲ 1.59% above New York avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.59% above avgNationally 2.92%
Details

Balance: $25,000.00

Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
3.56%4.24%4.92%Sep 8, 2026: 4.06% APYOct 20, 2026: 4.42% APYSep 8, 2026Oct 25, 2026
  • 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% ▲ 1.57% above New York avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.57% 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%
3.85%4.38%4.90%Sep 18, 2026: 4.35% APYOct 1, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • 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% ▲ 1.57% above New York avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.57% 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%
3.85%4.38%4.90%Sep 25, 2026: 4.35% APYOct 12, 2026: 4.40% APYSep 25, 2026Oct 25, 2026
  • 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% ▲ 1.56% above New York avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.56% above avgNationally 2.92%
Details

Minimum balance $500; Remarks: Credit Quarterly

Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
3.89%4.39%4.89%Oct 15, 2026: 4.39% APYOct 15, 2026Oct 25, 2026
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% ▲ 1.47% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% 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 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 5 years
$1,000
4.30% ▲ 1.47% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% 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 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 5 years
$1,000
4.30% ▲ 1.47% above New York avg
View
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% 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 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 60 Month
$500
4.30% ▲ 1.47% above New York avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.47% 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
3.80%4.30%4.80%Oct 23, 2026: 4.30% APYOct 23, 2026Oct 25, 2026
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 5 Years (60 Months)
$250
4.25% ▲ 1.42% above New York avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 1.42% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 14, 2026: 3.50% APYOct 3, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 3, 20264.25%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
5-Year Share Certificate
$1,000
4.25% ▲ 1.42% above New York avg
View
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.42% 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%
3.58%4.17%4.75%Sep 14, 2026: 4.08% APYOct 15, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.25%▲ from 4.08%
  • Sep 14, 20264.08%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Rochester, New York Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Canandaigua National Bank and Trust Company
12 Month CNSaver Online CD
A 5.0 ★ TX: 7.08%
Min: $1,000
4.25%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
The Upstate National Bank
24 Month Certificates of Deposits
A+ 5.0 ★ TX: 0.00%
Min: $50,000
3.85%
Citizens Access
1 Year Online CD
A+ 5.0 ★ TX: 5.44%
Min: $0
3.25%
Woodforest National Bank
2 Year Certificate of Deposit
A- 5.0 ★ TX: 14.96%
Min: $500
2.25%
CU Top 5 Credit Union Rates
The Summit Federal Credit Union
12 Month Jumbo Certificate
A+ 5.0 ★ TX: 2.28%
Min: $0
4.60%
Advantage Federal Credit Union FCU
7 - 24 Month Share Certificate
A+ 5.0 ★ TX: 3.72%
Min: $0
4.25%
St Pius X Church Federal Credit Union
Share Certificate 18 Month Jumbo
A- 5.0 ★ TX: 15.58%
Min: $0
4.10%
Family First Of NY Federal Credit Union
Youth 12 Month Certificate
A+ 5.0 ★ TX: 4.01%
Min: $0
4.10%
Visions Federal Credit Union
Share Certificate - 24-Month
A+ 5.0 ★ TX: 5.30%
Min: $500
4.00%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Rochester, NY CD Rate Trends

Compare local Rochester, 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.

View Full New York CD Trends
12-Month CD NY Avg
3.048%
▼ 0.020 vs 7 days ago

New York 12-month CD rates fell 0.020 points over the past 7 days to 3.048% APY.

6-Month CD NY Avg
2.825%
▼ 0.033 vs 7 days ago

New York 6-month CD rates fell 0.033 points over the past 7 days to 2.825% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.048%
6-Month Forecast
3.048%
Range: 2.85%, 3.20%
12-Month Forecast
3.298%
Range: 3.10%, 3.45%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the New York average 12-month CD APY in our database.

Spread model: The New York 12-month CD average currently trades 1.33% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 2.078% $103.91 $207.81 $519.53 $1,039.05
6-Month CD 2.825% $141.23 $282.46 $706.15 $1,412.30
12-Month CD 3.048% $152.41 $304.81 $762.03 $1,524.05
18-Month CD 2.925% $146.27 $292.54 $731.35 $1,462.70
24-Month CD 2.916% $145.79 $291.57 $728.93 $1,457.85
36-Month CD 2.726% $136.31 $272.61 $681.53 $1,363.05
48-Month CD 2.612% $130.61 $261.22 $653.05 $1,306.10
60-Month CD 2.828% $141.39 $282.78 $706.95 $1,413.90
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Rochester, 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.

Build Your Ladder
Rung Term Deposit NY Avg APY Annual Earnings
1 3-Month CD $5,000 2.078% $103.91
2 6-Month CD $5,000 2.825% $141.23
3 12-Month CD $5,000 3.048% $152.41
4 24-Month CD $5,000 2.916% $145.79
5 36-Month CD $5,000 2.726% $136.31
Total ($25,000 invested) $25,000 2.719% blended $679.65/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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2,509
CD Rates
Tracked in Rochester, New York
61 Banks 97 Credit Unions

About Our Rochester, New York CD Rate Database

MonitorBankRates tracks 2,509 CD rates from 61 banks and 97 credit unions with locations in Rochester, 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: The Summit Federal Credit Union offers a CD at 4.60% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Rochester, New York.

How to Find the Best CD Rates in Rochester, New York

What to compare when shopping for a CD in Rochester, New York

To find the best APYs in Rochester, New York, start with credit unions and online-only banks: Rochester, New York has 97 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 Rochester, 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 Rochester, New York: 158 institutions here report CD rates

Consider an Alternative If…

Rochester, New York Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
13.1%
National avg: 17.3%
Median Individual Earnings
$35,635
National avg: $47,340
Poverty Rate
27.8%
National avg: 11.1%
Unemployment Rate
7.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$109/yr
At NY 12-mo avg 3.048% APY

13.1% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 7.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 3.048%, saving 10% of the local median salary ($3,563/year) and putting it in a CD would earn an additional $109 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 Rochester, 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

How Certificates of Deposit Work in Rochester, New York

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Rochester, 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 Rochester, New York as everywhere in the U.S.

Choosing a CD Term in Rochester, New York

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Rochester, New York savers easier access to their funds. For example, The Summit Federal Credit Union is offering its 6 Month Jumbo Certificate at 4.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Visions Federal Credit Union is offering its Share Certificate - 60-Month at 3.75% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Rochester, New York Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Rochester, New York saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Rochester, New York

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Rochester, New York CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Rochester, New York

Most CDs carry a fixed rate that is locked for the entire term, protecting a Rochester, 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 Rochester, New York

Are CD rates in Rochester, New York FDIC insured?

Yes, most established banks in Rochester, 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 Rochester, 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 Rochester, 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 Rochester, 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 Rochester, New York?

Here are recent top rates found for this area:
  • The Summit Federal Credit Union: 4.60% APY (12 Month Jumbo Certificate)
  • Canandaigua National Bank and Trust Company: 4.25% APY (12 Month CNSaver Online CD)
  • Advantage Federal Credit Union FCU: 4.25% APY (7 - 24 Month Share Certificate)
  • St Pius X Church Federal Credit Union: 4.10% APY (Share Certificate 18 Month Jumbo)
  • Family First Of NY Federal Credit Union: 4.10% APY (Youth 12 Month Certificate)
  • Visions Federal Credit Union: 4.00% APY (Share Certificate - 24-Month)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • The Upstate National Bank: 3.85% APY (24 Month Certificates of Deposits)
  • Reliant Community Federal Credit Union: 3.85% APY (12 Month Investor/IRA Certificate)
  • Ever $ Green Federal Credit Union: 3.75% APY (12 Month Certificates-Pays Interest Monthly)
Rates reflect recent verified offers available in Rochester, New York. Last Updated: October 23, 2026

Rochester, 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 Rochester, New York rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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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.

Top Rochester, New York CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Rochester, New York. Averages shown use the New York state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Rochester, New York

Rochester, New York CD Calculator

At today’s NY top rate of 4.60% APY, a $10,000 deposit earns $460 in the first year. Enter your amount to see your exact return.

Rochester, New York CD Ladder

NY CD rates currently range from 2.078% (3-month) to 2.726% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Rochester, New York CD at 4.60% 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 Savings

New York’s average 12-month CD is 3.048% 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 Rochester, 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 Rochester, 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 Rochester, 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 23, 2026

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