Saratoga Springs, New York Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Saratoga Springs, New York CD rates range from 0.03% to 6.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Saratoga Springs, New York CD rates include Navy Federal Credit UnionNavy Federal Credit Union19 J F King Dr, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Sunmark Credit UnionSunmark Credit Union3090 Route 50, Saratoga Springs, NY 12866A5.0 ★Texas Ratio: 10.47%Real return: +1.45%APY minus CPI (February 2026) offering 6 Month Certificate at 4.25% APY, Adirondack Trust CompanyAdirondack Trust Company473 Broadway, Saratoga Springs, NY 12866A+5.0 ★Texas Ratio: 2.37%Real return: +1.26%APY minus CPI (February 2026) offering 3-Month CD Special at 4.06% APY, Chemung Canal Trust CompanyChemung Canal Trust Company3057 Route 50, Saratoga Springs, NY 12866A+5.0 ★Texas Ratio: 3.61%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month CD at 4.00% APY, and Broadview Federal Credit UnionBroadview Federal Credit Union815 N Broadway, Saratoga Springs, NY 12866 1632A5.0 ★Texas Ratio: 6.36%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month IRA at 4.00% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Saratoga Springs has 138 local institutions in our database, with CD rates as high as 4.35% APY from Navy Federal Credit Union at 19 J F King Dr, Saratoga Springs, NY 12866. 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 14, 2026
Compare Best CD Rates in Saratoga Springs, New York & the Surrounding Area
Saratoga Springs 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
3-Month CD Special
$500
4.06%
▲ 2.00% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 2.00% above avgNationally 2.09%
Details
Compounded: Simple; Minimum opening deposit $500; maximum deposit $1,000,000; minimum balance to obtain APY $500; offer good for a limited time; available at any Adirondack Trust Company retail branch location; additional terms apply
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 14, 20264.06%▲ from 3.80%
- Sep 24, 20263.80%first recorded
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
3 Month Share Certificate
$500
3.00%
▲ 0.94% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Not eligible for IRAs
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 3 Month
$500
3.00%
▲ 0.94% above New York avg
▼
Rate2.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
3 Month Commercial Share Certificate
$500
2.50%
▲ 0.44% above New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.44% above avgNationally 2.09%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
3 Month Business Certificate
$500
2.00%
▼ 0.06% below New York avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.06% below avgNationally 2.09%
Details
Promotional rate; New money required; Days: 90 to 179; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 2.00% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
3 Month Share Certificates
$500
2.00%
▼ 0.06% below New York avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.06% below avgNationally 2.09%
Details
Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
Share Certificate 3 Month - Promotional
$500
2.00%
▼ 0.06% below New York avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.06% below avgNationally 2.09%
Details
Promotional Rate; New Money Required
Rate History
No change since Oct 14, 2026 · 2.00% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.51% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.51% below avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.56% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.56% below avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
3 Month Business Certificate
$500
1.25%
▼ 0.81% below New York avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.81% below avgNationally 2.09%
Details
Standard rate; New money not required; Days: 90 to 179; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 1.25% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
3 Month Share Certificates
$500
1.25%
▼ 0.81% below New York avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.81% below avgNationally 2.09%
Details
Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 1.25% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
IRA Certificate 3 Months
$500
1.25%
▼ 0.81% below New York avg
▼
Rate1.24%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 0.81% below avgNationally 2.09%
Details
90 to 119 days
Rate History
No change since Oct 6, 2026 · 1.25% APY · checked 3 times
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3013 Route 50, Saratoga Springs, NY 12866
90 Day Certificates
$2,500
0.80%
▼ 1.26% below New York avg
▼
Rate0.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▼ 1.26% below avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 0.80% APY · checked 5 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
3 Month IRA Certificate
$1,000
0.05%
▼ 2.01% below New York avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 2.01% below avgNationally 2.09%
Details
IRA certificate; subject to IRS tax regulations and penalties
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - 3 Month
$1,000
0.05%
▼ 2.01% below New York avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▼ 2.01% below avgNationally 2.09%
Details
Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month CD
$0
4.30%
▲ 2.24% above New York avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 2.24% above avgNationally 2.09%
Details
Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 14, 20264.30%▲ from 4.15%
- Oct 1, 20264.15%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 3 Months
$0
4.10%
▲ 2.04% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 2.04% above avgNationally 2.09%
Details
Consumer; Penalty may be applied for early withdrawal; Minimum $100,000 required to open an account; Rates effective as of 10/05/2026
Rate History
No change since Sep 27, 2026 · 4.10% APY · checked 5 times
North Country Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Month Three Month Business CD
$1,000
4.07%
▲ 2.01% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 2.01% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 4.07% APY · checked 4 times
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
Share Certificate - 3 Month
$0
4.00%
▲ 1.94% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.94% above avgNationally 2.09%
Details
Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 4 times
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
3 Month Share Certificates
$500
4.00%
▲ 1.94% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.94% above avgNationally 2.09%
Details
Best Rate; requires Better Rate qualifications with combined balances over $25K; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificates - 3 Months
$0
3.92%
▲ 1.86% above New York avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 1.86% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.92% APY · checked 9 times
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.74% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.74% above avgNationally 2.09%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 8 times
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
3 Month Certificate of Deposit - Branch
$0
3.75%
▲ 1.69% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details
Branch Only
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 4 times
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificate
$0
3.75%
▲ 1.69% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month IRA Certificate
$0
3.75%
▲ 1.69% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
3 Month Certificate of Deposit
$1,000
3.75%
▲ 1.69% above New York avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Certificates of Deposit - 3 Month Certificate
$500
3.75%
▲ 1.69% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.69% above avgNationally 2.09%
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70%
▲ 1.64% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details
Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 Month Certificates of Deposit (CD)
$10,000
3.70%
▲ 1.64% above New York avg
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q
Rate History
No change since Oct 14, 2026 · 3.70% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 months up to 6
$10,000
3.70%
▲ 1.64% above New York avg
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY
Rate History
No change since Oct 14, 2026 · 3.70% APY
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
3 Month IRA CD
$1,000
3.70%
▲ 1.64% above New York avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.06%▲ 1.64% above avgNationally 2.09%
Details
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month Certificate of Deposit
$0
3.65%
▲ 1.59% above New York avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.59% above avgNationally 2.09%
Details
Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
- 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%
3 Month Share Certificate
$0
3.61%
▲ 1.55% above New York avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 1.55% above avgNationally 2.09%
Details
Credit Monthly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
No change since Oct 9, 2026 · 3.61% APY · checked 2 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
3 Month Performance CDs
$0
3.60%
▲ 1.54% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.54% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3-Month Certificate of Deposit
$500
3.55%
▲ 1.49% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.49% above avgNationally 2.09%
Details
Balance: $500 or more; Account matures in 3 months; 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 7 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.44% above avgNationally 2.09%
Details
Business CD; Maximum deposit $250,000; Open online
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40%
▲ 1.34% above New York avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.34% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Northern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.67%
3 Month Share Certificates
$500
3.40%
▲ 1.34% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.34% above avgNationally 2.09%
Details
Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40%
- Oct 14, 20263.40%▼ from 4.00%
- Sep 14, 20264.00%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
3-Month Share Certificate
$1,000
3.35%
▲ 1.29% above New York avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 1.29% above avgNationally 2.09%
Details
Early withdrawal penalty: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
90 Day Certificate of Deposit
$250
3.25%
▲ 1.19% above New York avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Certificate
$500
3.25%
▲ 1.19% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details
Youth Minimum Balance: $50
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 2 times
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25%
▲ 1.19% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details
Rate Type: Fixed
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.25% ▲ 0.10 pts · high 3.25% / low 3.15%
- Oct 5, 20263.25%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificates
$100,000
3.25%
▲ 1.19% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.19% above avgNationally 2.09%
Details
Certificates with $100,000 minimum to open and earn APY
Rate History
No change since Oct 14, 2026 · 3.25% APY
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
Certificates with minimum to open and earn APY - 3 Month Plus
$25,000
3.10%
▲ 1.04% above New York avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 1.04% above avgNationally 2.09%
Details
$25,000; Minimum to open $25,000
Rate History
No change since Oct 14, 2026 · 3.10% APY
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
Certificate Shares - 3 months
$0
3.04%
▲ 0.98% above New York avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.98% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 3 times
Good Neighbors Federal Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.56%
CDs - 3 Months
$0
3.03%
▲ 0.97% above New York avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.06%▲ 0.97% above avgNationally 2.09%
Details
Yield: 3.03%; CD Rates effective 6/5/2026 and subject to change without notice; penalty for early withdrawal
Rate History
No change since Oct 9, 2026 · 3.03% APY · checked 2 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Certificate of Deposit - 3 Month
$500
3.00%
▲ 0.94% above New York avg
▼
Rate2.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
3 Month Certificate
$500
3.00%
▲ 0.94% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Online
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Business 3 Months
$500
3.00%
▲ 0.94% above New York avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Available In-Branch
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificates
$500
3.00%
▲ 0.94% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.06%▲ 0.94% above avgNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Saratoga Springs 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
6 Month Certificate
$500
4.25%
▲ 1.47% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details
Share Certificate; APY based on 6 month certificate; must maintain $500 minimum balance to earn advertised rate; early withdrawal penalties apply; certificate auto-renews at maturity; rate accurate as of August 3, 2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 6 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
6 Month Commercial Share Certificate
$500
4.25%
▲ 1.47% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 5 times
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
6-Month CD Special
$500
4.04%
▲ 1.26% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.26% above avgNationally 2.77%
Details
Compounded: Simple; Minimum opening deposit $500; maximum deposit $1,000,000; minimum balance to obtain APY $500; offer good for a limited time; available at any Adirondack Trust Company retail branch location; additional terms apply
Rate History
1 change since Sep 24, 2026 · 3.79% → 4.04% ▲ 0.25 pts · high 4.04% / low 3.79%
- Oct 14, 20264.04%▲ from 3.79%
- Sep 24, 20263.79%first recorded
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
6 Month IRA
$500
3.60%
▲ 0.82% above New York avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 0.82% above avgNationally 2.77%
Details
Traditional & Roth IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 6 Month
$500
3.60%
▲ 0.82% above New York avg
▼
Rate3.53%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 0.82% above avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 3.60% APY
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
6 Month CD
$1,000
3.55%
▲ 0.77% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 0.77% above avgNationally 2.77%
Details
Special; Rates as of October 14, 2026; Account balance may not exceed $1,000,000
Rate History
No change since Oct 2, 2026 · 3.55% APY · checked 4 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - NEW CD Special: 6 Month
$1,000
3.55%
▲ 0.77% above New York avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 0.77% above avgNationally 2.77%
Details
Special CD; Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Oct 14, 2026 · 3.55% APY
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
6 Month Share Certificate
$500
3.25%
▲ 0.47% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 0.47% above avgNationally 2.77%
Details
Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 4 times
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3013 Route 50, Saratoga Springs, NY 12866
180 Day Certificates
$2,500
2.76%
▼ 0.02% below New York avg
▼
Rate2.74%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.78%▼ 0.02% below avgNationally 2.77%
Details
Rate History
No change since Sep 24, 2026 · 2.76% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
6 Month Business Certificate
$500
2.25%
▼ 0.53% below New York avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 0.53% below avgNationally 2.77%
Details
Promotional rate; New money required; Days: 180 to 359; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 2.25% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
6 Month Share Certificates
$500
2.25%
▼ 0.53% below New York avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 0.53% below avgNationally 2.77%
Details
Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 2.25% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
Share Certificate 6 Month - Promotional
$500
2.25%
▼ 0.53% below New York avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 0.53% below avgNationally 2.77%
Details
Promotional Rate; New Money Required
Rate History
No change since Oct 14, 2026 · 2.25% APY
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
6 Month Business Certificate
$500
1.35%
▼ 1.43% below New York avg
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 1.43% below avgNationally 2.77%
Details
Standard rate; New money not required; Days: 180 to 359; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 1.35% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
6 Month Share Certificates
$500
1.35%
▼ 1.43% below New York avg
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 1.43% below avgNationally 2.77%
Details
Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
IRA Certificate 6 Months
$500
1.35%
▼ 1.43% below New York avg
▼
Rate1.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 1.43% below avgNationally 2.77%
Details
180 to 359 days
Rate History
No change since Oct 6, 2026 · 1.35% APY · checked 3 times
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
6-Month CD/IRA
$0
0.15%
▼ 2.63% below New York avg
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 2.63% below avgNationally 2.77%
Details
Compounded: Simple; IRA Accounts are not subject to the minimum balance requirements
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 6 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
6 Month IRA Certificate
$1,000
0.10%
▼ 2.68% below New York avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 2.68% below avgNationally 2.77%
Details
IRA certificate; subject to IRS tax regulations and penalties
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - 6 Month
$1,000
0.10%
▼ 2.68% below New York avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▼ 2.68% below avgNationally 2.77%
Details
Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 7 times
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
6 Month Youth Share Certificate
$0
6.00%
▲ 3.22% above New York avg
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 3.22% above avgNationally 2.77%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 3 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6-month TSC
$1,000
5.00%
▲ 2.22% above New York avg
▼
Rate4.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 2.22% above avgNationally 2.77%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
- Oct 12, 20265.00%▲ from 4.00%
- Sep 12, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50%
▲ 1.72% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details
Account 34; Interest Monthly; Min. $1,000; Requires $5,000 New Money for 4.50% APY, otherwise 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.72% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details
Code 89; Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate - 6 Month
$0
4.50%
▲ 1.72% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details
Interest paid monthly; JUMBO; account code 54
Rate History
No change since Oct 13, 2026 · 4.50% APY
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.72% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.72% above avgNationally 2.77%
Details
Int. Monthly; min. $500
Rate History
No change since Oct 13, 2026 · 4.50% APY
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
6 Month Certificate of Deposit
$1,000
4.40%
▲ 1.62% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Certificate
$100
4.40%
▲ 1.62% above New York avg
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details
Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 5, 20264.40%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Term/IRA - Single - 6 MONTH TERM ACCOUNT
$0
4.40%
▲ 1.62% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 4.40% APY
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Term/IRA Term - Single 6 Month Term Account
$0
4.40%
▲ 1.62% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.62% above avgNationally 2.77%
Details
Open now
Rate History
No change since Oct 13, 2026 · 4.40% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month CD
$0
4.35%
▲ 1.57% above New York avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.57% above avgNationally 2.77%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month CD
$2,500
4.30%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.52% above avgNationally 2.77%
Details
Business CD; Maximum deposit $250,000; Open online
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month Personal Certificate of Deposit
$0
4.30%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.52% above avgNationally 2.77%
Details
6 month & 9 month CD
Rate History
No change since Oct 14, 2026 · 4.30% APY
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.47% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.47% above avgNationally 2.77%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
6 Month Certificates of Deposit
$0
4.20%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.42% above avgNationally 2.77%
Details
Rate History
No change since Sep 20, 2026 · 4.20% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
6 Months Bank CD
$0
4.20%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.42% above avgNationally 2.77%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 12, 2026 · 4.20% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 6 Months
$0
4.20%
▲ 1.42% above New York avg
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.42% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 6 Months
$0
4.15%
▲ 1.37% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details
Consumer; Penalty may be applied for early withdrawal; Minimum $100,000 required to open an account; Rates effective as of 10/05/2026
Rate History
No change since Sep 27, 2026 · 4.15% APY · checked 5 times
UGEFCU
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
6 Month Certificate
$500
4.15%
▲ 1.37% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details
Compounded/Credited: Monthly/Monthly
Rate History
No change since Oct 8, 2026 · 4.15% APY · checked 2 times
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificates - 6 Months
$0
4.15%
▲ 1.37% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.15% ▲ 0.30 pts · high 4.15% / low 3.85%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6 Month Certificate
$0
4.15%
▲ 1.37% above New York avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.37% above avgNationally 2.77%
Details
APY is Annual Percentage Yield. Interest compounded quarterly.
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Sep 22, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.10%
▲ 1.32% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details
Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply
Rate History
1 change since Sep 27, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
- Oct 14, 20264.10%▲ from 4.05%
- Sep 27, 20264.05%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificates - 6 Months
$0
4.10%
▲ 1.32% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
- Oct 5, 20264.10%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.32% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.32% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.32% above avgNationally 2.77%
Details
Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD - Wealth Center/Telephone
$1,000
4.00%
▲ 1.22% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.00% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00%
▲ 1.22% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.00%
▲ 1.22% above New York avg
▼
Rate3.93%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
No change since Oct 14, 2026 · 4.00% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
6 Month Certificates of Deposit (CD)
$1,000
4.00%
▲ 1.22% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Term: 6 months up to 1 year; Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q
Rate History
No change since Oct 14, 2026 · 4.00% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 6 months up to 1 year
$1,000
4.00%
▲ 1.22% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY
Rate History
No change since Oct 14, 2026 · 4.00% APY
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
6 Month Certificate of Deposit Special
$500
4.00%
▲ 1.22% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Effective 10/01/26; minimum daily balance of $0.01 to obtain APY; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.00% APY
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
6 Month Share & IRA Share Certificate
$0
4.00%
▲ 1.22% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.78%▲ 1.22% above avgNationally 2.77%
Details
Rate History
1 change since Oct 8, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 12, 20264.00%▲ from 3.60%
- Oct 8, 20263.60%first recorded
Saratoga Springs 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.33% above New York avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.33% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.08% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.08% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 1.03% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.03% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.98% above New York avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
12 Month CD
$1,000
4.00%
▲ 0.98% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Special; Rates as of October 14, 2026; Account balance may not exceed $1,000,000
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - NEW CD Special: 12 Month
$1,000
4.00%
▲ 0.98% above New York avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Special CD; Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Oct 14, 2026 · 4.00% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
12 Month IRA
$500
4.00%
▲ 0.98% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Traditional & Roth IRA Certificate
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 12 Month
$500
4.00%
▲ 0.98% above New York avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.98% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.00% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
12 Month Add-On IRA
$500
3.75%
▲ 0.73% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Traditional & Roth IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 12 Month Add-on
$100
3.75%
▲ 0.73% above New York avg
▼
Rate3.68%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.73% above avgNationally 2.99%
Details
Add-on certificate
Rate History
No change since Oct 14, 2026 · 3.75% APY
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
12 Month Share Certificate
$500
3.50%
▲ 0.48% above New York avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 0.48% above avgNationally 2.99%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
1 Year Commercial Share Certificate
$500
3.50%
▲ 0.48% above New York avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.48% above avgNationally 2.99%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
1 Year IRA Share Certificate
$500
3.50%
▲ 0.48% above New York avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.48% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Ballston Ave, Saratoga Springs, NY 12866
1 Year Online CD
$0
3.25%
▲ 0.23% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 0.23% above avgNationally 2.99%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3013 Route 50, Saratoga Springs, NY 12866
1 Year Certificates and IRA
$500
2.82%
▼ 0.20% below New York avg
▼
Rate2.79%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average3.02%▼ 0.20% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 2.82% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
12 Month Business Certificate
$500
2.50%
▼ 0.52% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 0.52% below avgNationally 2.99%
Details
Promotional rate; New money required; Days: 360 to 719; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 2.50% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
12 Month Share Certificates
$500
2.50%
▼ 0.52% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 0.52% below avgNationally 2.99%
Details
Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
Share Certificate 12 Month - Promotional
$500
2.50%
▼ 0.52% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 0.52% below avgNationally 2.99%
Details
Promotional Rate; New Money Required
Rate History
No change since Oct 14, 2026 · 2.50% APY
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
12 Month Business Certificate
$500
1.45%
▼ 1.57% below New York avg
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 1.57% below avgNationally 2.99%
Details
Standard rate; New money not required; Days: 360 to 719; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 1.45% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
12 Month Share Certificates
$500
1.45%
▼ 1.57% below New York avg
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 1.57% below avgNationally 2.99%
Details
Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 1.45% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
IRA Certificate 12 Months
$500
1.45%
▼ 1.57% below New York avg
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 1.57% below avgNationally 2.99%
Details
360 to 719 days
Rate History
No change since Oct 6, 2026 · 1.45% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
12 Month IRA Certificate
$1,000
0.20%
▼ 2.82% below New York avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 2.82% below avgNationally 2.99%
Details
IRA certificate; subject to IRS tax regulations and penalties
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - 12 Month
$1,000
0.20%
▼ 2.82% below New York avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 2.82% below avgNationally 2.99%
Details
Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 7 times
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
1-Year CD/IRA
$0
0.20%
▼ 2.82% below New York avg
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▼ 2.82% below avgNationally 2.99%
Details
Compounded: Daily; IRA Accounts are not subject to the minimum balance requirements
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 6 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
12 Month Lucky Savers Share Certificate
$25
0.15%
▼ 2.87% below New York avg
▼
Rate0.15%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▼ 2.87% below avgNationally 2.99%
Details
Additional deposits can be made throughout the term; prize period runs October 1, 2026 until September 30, 2027
Rate History
No change since Sep 25, 2026 · 0.15% APY · checked 4 times
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
1 Year Youth Share Certificate
$0
5.50%
▲ 2.48% above New York avg
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 2.48% 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 3 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
12 Month Certificates of Deposit
$0
4.75%
▲ 1.73% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.73% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 20, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Oct 12, 20264.75%▲ from 4.40%
- Oct 4, 20264.40%▲ from 4.35%
- Sep 20, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 12 Months
$0
4.75%
▲ 1.73% above New York avg
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.73% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 4.75% APY · checked 2 times
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year Certificate
$500
4.58%
▲ 1.56% above New York avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.56% above avgNationally 2.99%
Details
Certificate Type: 1 Year (12 months); Required On Deposit: $500.00
Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 2 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Traditional IRA; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth Conversion IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Roth Conversion IRA; Dividend Rate 4.41%, APY 4.50%
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth IRA TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Roth IRA term share certificate; Dividend Rate 4.41%; minimum opening deposit $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year TSC
$1,000
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Certificate
$100
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 5, 20264.50%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Term/IRA Term - Single 12 Month Term Account
$0
4.50%
▲ 1.48% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Balance: $100.00 minimum to open and earn APY; fixed-rate certificate; dividends compounded and paid monthly; penalty if funds withdrawn before maturity
Rate History
No change since Oct 13, 2026 · 4.50% APY
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 12 MONTH TERM ACCOUNT
$0
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Certificate/Term Account (like a CD)
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 5, 20264.50%▲ from 4.35%
- Sep 18, 20264.35%first recorded
AmeriCU Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.76%
12 Month Share Certificates
$0
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
3, 6, and 12-month share certificates; APY fixed for initial term; withdrawals subject to early withdrawal penalties; membership eligibility required; Insured by NCUA; APYs current as of 13th October 2026
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 10, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
USALLIANCE
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.50%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Special Rate; featured rate from homepage; View all rate specials
Rate History
1 change since Sep 14, 2026 · 4.36% → 4.50% ▲ 0.14 pts · high 4.50% / low 4.36%
- Oct 1, 20264.50%▲ from 4.36%
- Sep 14, 20264.36%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month CD
$0
4.50%
▲ 1.48% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.48% above avgNationally 2.99%
Details
Rate History
2 changes since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 Month High-Yield CD
$500
4.40%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
12 months High-Yield CD
$500
4.40%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.40% ▲ 0.50 pts · high 4.40% / low 3.90%
- Oct 6, 20264.40%▲ from 3.90%
- Sep 14, 20263.90%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.40%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details
Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply
Rate History
1 change since Sep 27, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 27, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
12 Month Certificate of Deposit
$1,000
4.40%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average3.02%▲ 1.38% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
MyBankingDirect.com
Institution Rating:
A+5.0 ★Texas Ratio: 4.67%
12-Month CD
$500
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
Limited-time CD rate; APY accurate as of 10/14/2026; maximum deposit $10 million; not available for public units or Business CDs; open online at flagstar.com
Rate History
No change since Oct 14, 2026 · 4.30% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD - Wealth Center/Telephone
$1,000
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.30% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12 Month Business CD
$500
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer
Rate History
No change since Oct 14, 2026 · 4.30% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.28% above avgNationally 2.99%
Details
Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
12 Month Certificate of Deposit
$0
4.27%
▲ 1.25% above New York avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.25% above avgNationally 2.99%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
- Oct 7, 20264.27%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 12 Months
$0
4.25%
▲ 1.23% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average3.02%▲ 1.23% above avgNationally 2.99%
Details
Consumer; Penalty may be applied for early withdrawal; Minimum $100,000 required to open an account; Rates effective as of 10/05/2026
Rate History
1 change since Sep 27, 2026 · 4.20% → 4.25% ▲ 0.05 pts · high 4.25% / low 4.20%
- Oct 14, 20264.25%▲ from 4.20%
- Sep 27, 20264.20%first recorded
Saratoga Springs 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.16% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.16% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.11% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.11% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
18 Month IRA
$500
3.75%
▲ 0.76% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.76% above avgNationally 2.88%
Details
Traditional & Roth IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 18 Month
$500
3.75%
▲ 0.76% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.76% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.71% above New York avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.71% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
18 Month Share Certificate
$500
3.50%
▲ 0.51% above New York avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 0.51% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
18 Month Commercial Share Certificate
$500
3.25%
▲ 0.26% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.26% above avgNationally 2.88%
Details
No Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 5 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
18 Month IRA Share Certificate
$500
3.25%
▲ 0.26% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 0.26% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
18 Month IRA Certificate
$1,000
0.20%
▼ 2.79% below New York avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▼ 2.79% below avgNationally 2.88%
Details
IRA certificate; subject to IRS tax regulations and penalties
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - 18 Month
$1,000
0.20%
▼ 2.79% below New York avg
▼
Rate0.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▼ 2.79% below avgNationally 2.88%
Details
Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 7 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
18 Month IRA Certificate
$100
0.03%
▼ 2.96% below New York avg
▼
Rate0.03%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▼ 2.96% below avgNationally 2.88%
Details
Variable interest rate; $100 and over; minimum daily balance $100
Rate History
No change since Oct 7, 2026 · 0.03% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD
$0
4.65%
▲ 1.66% above New York avg
▼
Rate4.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.66% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 24, 2026 · 4.35% → 4.65% ▲ 0.30 pts · high 4.65% / low 4.35%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
- Sep 24, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100,000
4.50%
▲ 1.51% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details
Promotional certificate. Minimum balance to open jumbo share certificate and obtain APY is $100,000.
Rate History
2 changes since Sep 25, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 8, 20264.50%▲ from 4.35%
- Oct 4, 20264.35%▼ from 4.50%
- Sep 25, 20264.50%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.50%
▲ 1.51% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month IRA TSC
$1,000
4.50%
▲ 1.51% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details
Traditional IRA; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month Roth IRA TSC
$1,000
4.50%
▲ 1.51% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details
Roth IRA term share certificate; Dividend Rate 4.41%; minimum opening deposit $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month TSC
$1,000
4.50%
▲ 1.51% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.51% above avgNationally 2.88%
Details
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40%
▲ 1.41% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 months High-Yield CD
$500
4.40%
▲ 1.41% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
1 1/2 Years (18 Months) Certificate of Deposit
$250
4.40%
▲ 1.41% above New York avg
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details
Term: 1 1/2 Years (18 Months)
Rate History
1 change since Sep 20, 2026 · 3.75% → 4.40% ▲ 0.65 pts · high 4.40% / low 3.75%
- Oct 3, 20264.40%▲ from 3.75%
- Sep 20, 20263.75%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Month Certificates of Deposit
$0
4.40%
▲ 1.41% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Months Bank CD
$0
4.40%
▲ 1.41% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 12, 2026 · 4.40% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 18 Months
$0
4.40%
▲ 1.41% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.41% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.37%
▲ 1.38% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.38% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.37% ▲ 0.15 pts · high 4.37% / low 4.22%
- Oct 7, 20264.37%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promo Certificate
$100
4.35%
▲ 1.36% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.36% above avgNationally 2.88%
Details
Or, 4.35% APY* with $100 min.
Rate History
2 changes since Sep 25, 2026 · 4.35% → 4.35% ▼ 0.00 pts · high 4.50% / low 4.35%
- Oct 12, 20264.35%▼ from 4.50%
- Oct 4, 20264.50%▲ from 4.35%
- Sep 25, 20264.35%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
18-Month Promotional Certificate
$0
4.35%
▲ 1.36% above New York avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.36% above avgNationally 2.88%
Details
Regular
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.35%
▲ 1.36% above New York avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.36% above avgNationally 2.88%
Details
Balance: $100,000+; Jumbo
Rate History
No change since Oct 12, 2026 · 4.35% APY
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.32%
▲ 1.33% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.33% above avgNationally 2.88%
Details
Balance: $50,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.32% ▲ 0.16 pts · high 4.32% / low 4.16%
- Oct 7, 20264.32%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 18 Months
$0
4.30%
▲ 1.31% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.31% above avgNationally 2.88%
Details
Consumer; Penalty may be applied for early withdrawal; Minimum $100,000 required to open an account; Rates effective as of 10/05/2026
Rate History
1 change since Sep 27, 2026 · 4.05% → 4.30% ▲ 0.25 pts · high 4.30% / low 4.05%
- Oct 14, 20264.30%▲ from 4.05%
- Sep 27, 20264.05%first recorded
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18-Month CD - Promo
$2,000
4.30%
▲ 1.31% above New York avg
▼
Rate4.22%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.99%▲ 1.31% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 3 times
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 18 Months
$50
4.25%
▲ 1.26% above New York avg
▼
Rate4.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.26% above avgNationally 2.88%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 1.26% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.26% above avgNationally 2.88%
Details
Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
Business 18-Month Promotional Certificate
$0
4.20%
▲ 1.21% above New York avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.21% above avgNationally 2.88%
Details
Regular
Rate History
No change since Oct 12, 2026 · 4.20% APY
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
18 Month Share Certificate
$0
4.18%
▲ 1.19% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.19% above avgNationally 2.88%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
No change since Oct 9, 2026 · 4.18% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
18 Month Certificate of Deposit
$0
4.16%
▲ 1.17% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.17% above avgNationally 2.88%
Details
Balance: $25,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
- Oct 7, 20264.16%▲ from 4.01%
- Sep 18, 20264.01%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
18 Month CD Special with Active Account
$0
4.15%
▲ 1.16% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.16% above avgNationally 2.88%
Details
Balance: $100,000 and over; With Active Account
Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 9 times
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Trailblazer - 18 Months
$0
4.15%
▲ 1.16% above New York avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.16% above avgNationally 2.88%
Details
Effective Date: 08/01/2025
Rate History
No change since Oct 12, 2026 · 4.15% APY
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
Share Certificates - 18 Month Jumbo
$0
4.10%
▲ 1.11% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.11% above avgNationally 2.88%
Details
Jumbo
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- Sep 29, 20264.10%▲ from 3.60%
- Sep 21, 20263.60%first recorded
Encompass Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.76%
18 Month KIDS Account Certificate
$0
4.10%
▲ 1.11% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.99%▲ 1.11% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.30% → 4.10% ▲ 0.80 pts · high 4.10% / low 3.30%
- Sep 29, 20264.10%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
Certificate - 18 Month
$500
4.08%
▲ 1.09% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.09% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
IRA Certificate - 18 Month
$500
4.08%
▲ 1.09% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.99%▲ 1.09% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
No change since Oct 8, 2026 · 4.08% APY · checked 2 times
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-Month Certificate IRA
$1,000
4.07%
▲ 1.08% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.08% above avgNationally 2.88%
Details
Individual Retirement Account (IRA) Rates
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Traditional Share Certificate
$1,000
4.07%
▲ 1.08% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.99%▲ 1.08% 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%
- 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%
▲ 1.06% above New York avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.06% above avgNationally 2.88%
Details
Balance: $1,000 to $99,999; With Active Account
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 9 times
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
18 Month Business Certificates
$100
4.00%
▲ 1.01% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
Certificates - 18-Month
$100
4.00%
▲ 1.01% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00%
▲ 1.01% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Location: 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, and Collier county ZIP Code 34141); rates in other areas or for online openings may not be available; minimum deposit of $500; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18 Month
$0
4.00%
▲ 1.01% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details
Balance: $500+; Limited time offer; open with as little as $500; for existing or new Private Checking account holders; Open Account: Apply Now
Rate History
1 change since Sep 18, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 7, 20264.00%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18-Month CD
$500
4.00%
▲ 1.01% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.01% above avgNationally 2.88%
Details
For existing or new Private Checking account holders; Open with as little as $500; Promotional APY; Minimum balance to earn stated APY is $500
Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- 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%
▲ 1.01% above New York avg
▼
Rate3.94%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.99%▲ 1.01% 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
Saratoga Springs 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
24 Month Share Certificate
$500
3.75%
▲ 0.79% above New York avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 0.79% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.74% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 0.74% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.70% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 0.70% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.64% above New York avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 0.64% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
2 Year Commercial Share Certificate
$500
3.50%
▲ 0.54% above New York avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 0.54% above avgNationally 2.88%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
2 Year IRA Share Certificate
$500
3.50%
▲ 0.54% above New York avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 0.54% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
24 Month IRA
$500
3.50%
▲ 0.54% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 0.54% above avgNationally 2.88%
Details
Traditional & Roth IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 24 Month
$500
3.50%
▲ 0.54% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 0.54% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Ballston Ave, Saratoga Springs, NY 12866
2 Year Online CD
$0
3.00%
▲ 0.04% above New York avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 0.04% above avgNationally 2.88%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3013 Route 50, Saratoga Springs, NY 12866
24 Month Certificates and IRA
$500
2.85%
▼ 0.11% below New York avg
▼
Rate2.82%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▼ 0.11% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 2.85% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
24 Month Business Certificate
$500
2.50%
▼ 0.46% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 0.46% below avgNationally 2.88%
Details
Promotional rate; New money required; Days: 720 to 1,079; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 2.50% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
24 Month Share Certificates
$500
2.50%
▼ 0.46% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 0.46% below avgNationally 2.88%
Details
Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
Share Certificate 24 Month - Promotional
$500
2.50%
▼ 0.46% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 0.46% below avgNationally 2.88%
Details
Promotional Rate; New Money Required
Rate History
No change since Oct 14, 2026 · 2.50% APY
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
24 Month Business Certificate
$500
1.55%
▼ 1.41% below New York avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 1.41% below avgNationally 2.88%
Details
Standard rate; New money not required; Days: 720 to 1,079; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 1.55% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
24 Month Share Certificates
$500
1.55%
▼ 1.41% below New York avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 1.41% below avgNationally 2.88%
Details
Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 1.55% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
IRA Certificate 24 Months
$500
1.55%
▼ 1.41% below New York avg
▼
Rate1.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 1.41% below avgNationally 2.88%
Details
720 to 1,079 days
Rate History
No change since Oct 6, 2026 · 1.55% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
24 Month IRA Certificate
$1,000
0.35%
▼ 2.61% below New York avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 2.61% below avgNationally 2.88%
Details
IRA certificate; subject to IRS tax regulations and penalties
Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - 24 Month
$1,000
0.35%
▼ 2.61% below New York avg
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 2.61% below avgNationally 2.88%
Details
Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 7 times
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
2-Year CD/IRA
$0
0.25%
▼ 2.71% below New York avg
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▼ 2.71% below avgNationally 2.88%
Details
Compounded: Daily; IRA Accounts are not subject to the minimum balance requirements
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 6 times
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
2 Year Youth Share Certificate
$0
5.00%
▲ 2.04% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 2.04% above avgNationally 2.88%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month CD
$0
4.70%
▲ 1.74% above New York avg
▼
Rate4.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.74% above avgNationally 2.88%
Details
Rate History
2 changes since Sep 24, 2026 · 4.45% → 4.70% ▲ 0.25 pts · high 4.70% / low 4.45%
- Oct 14, 20264.70%▲ from 4.65%
- Oct 1, 20264.65%▲ from 4.45%
- Sep 24, 20264.45%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.60%
▲ 1.64% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.64% above avgNationally 2.88%
Details
Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply
Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
- 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%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.63% above avgNationally 2.88%
Details
Top the Treasury; variable yield account with no cap; risk-free
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 6 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
2 Year Certificate of Deposit
$1,000
4.55%
▲ 1.59% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.59% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year Certificate
$500
4.53%
▲ 1.57% above New York avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.57% above avgNationally 2.88%
Details
Certificate Type: 2 Year (24 months); Required On Deposit: $500.00
Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.42%
▲ 1.46% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.46% above avgNationally 2.88%
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%
- Oct 7, 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%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 years High-Yield CD
$500
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD - Wealth Center/Telephone
$1,000
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2-Year CD - Promo
$2,000
4.40%
▲ 1.44% above New York avg
▼
Rate4.31%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 3 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Month Certificates of Deposit
$0
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Months Bank CD
$0
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 24 Months
$0
4.40%
▲ 1.44% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
24 Month Certificate of Deposit
$1,000
4.40%
▲ 1.44% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.44% above avgNationally 2.88%
Details
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 12, 20264.40%▲ from 4.20%
- Sep 25, 20264.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
24 Month Certificate of Deposit
$0
4.37%
▲ 1.41% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.41% above avgNationally 2.88%
Details
Balance: $50,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 7, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
24 Month Performance CDs
$0
4.35%
▲ 1.39% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 14, 20264.35%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Certificate of Deposits - 24 Months
$0
4.35%
▲ 1.39% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details
Consumer; Penalty may be applied for early withdrawal; Minimum $100,000 required to open an account; Rates effective as of 10/05/2026
Rate History
1 change since Sep 27, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 14, 20264.35%▲ from 3.75%
- Sep 27, 20263.75%first recorded
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24 Month Certificate
$0
4.35%
▲ 1.39% above New York avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.39% above avgNationally 2.88%
Details
APY is Annual Percentage Yield. Interest compounded quarterly.
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
- Sep 22, 20264.35%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
2 Year Share Certificate
$0
4.34%
▲ 1.38% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.34% ▲ 0.47 pts · high 4.34% / low 3.87%
- Oct 5, 20264.34%▲ from 3.87%
- Sep 14, 20263.87%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 2 Year Certificate
$500
4.34%
▲ 1.38% above New York avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.34% APY
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
24 Month Long-Term Certificates
$50,000
4.34%
▲ 1.38% above New York avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
New York Average2.96%▲ 1.38% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 8 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
24 Month Certificate
$500
4.30%
▲ 1.34% above New York avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.34% above avgNationally 2.88%
Details
Online
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ 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%
Business 24 Months
$500
4.30%
▲ 1.34% above New York avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.96%▲ 1.34% above avgNationally 2.88%
Details
Available In-Branch
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.30% ▲ 0.40 pts · high 4.30% / low 3.90%
- Oct 8, 20264.30%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-Month CD
$1,000
4.25%
▲ 1.29% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
24 Month CD
$500
4.25%
▲ 1.29% above New York avg
▼
Rate4.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 4.25% APY · checked 3 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
24 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.29% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 24 Months
$50
4.25%
▲ 1.29% above New York avg
▼
Rate4.25%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 9, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Advantage Federal Credit Union FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
7 - 24 Month Share Certificate
$0
4.25%
▲ 1.29% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Choose Your Own Term! 7 to 24 months!
Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.29% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.96%▲ 1.29% above avgNationally 2.88%
Details
Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Saratoga Springs 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.38% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.38% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.33% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
36 Month IRA
$500
3.50%
▲ 0.73% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Traditional & Roth IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 36 Month
$500
3.50%
▲ 0.73% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3013 Route 50, Saratoga Springs, NY 12866
36 Month Certificates and IRA
$500
2.90%
▲ 0.13% above New York avg
▼
Rate2.87%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▲ 0.13% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Ballston Ave, Saratoga Springs, NY 12866
3 Year Online CD
$0
2.75%
▼ 0.02% below New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 0.02% below avgNationally 2.81%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
36 Month Share Certificate
$500
2.50%
▼ 0.27% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 2.50% APY · checked 4 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
3 Year Commercial Share Certificate
$500
2.50%
▼ 0.27% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
3 Year IRA Share Certificate
$500
2.50%
▼ 0.27% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
36 Month Business Certificate
$500
2.50%
▼ 0.27% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Promotional rate; New money required; Days: 1,080 to 1,439; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 2.50% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
36 Month Share Certificates
$500
2.50%
▼ 0.27% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
Share Certificate 36 Month - Promotional
$500
2.50%
▼ 0.27% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 0.27% below avgNationally 2.81%
Details
Promotional Rate; New Money Required
Rate History
No change since Oct 14, 2026 · 2.50% APY
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
36 Month Business Certificate
$500
1.65%
▼ 1.12% below New York avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 1.12% below avgNationally 2.81%
Details
Standard rate; New money not required; Days: 1,080 to 1,439; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 1.65% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
36 Month Share Certificates
$500
1.65%
▼ 1.12% below New York avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 1.12% below avgNationally 2.81%
Details
Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 1.65% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
IRA Certificate 36 Months
$500
1.65%
▼ 1.12% below New York avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 1.12% below avgNationally 2.81%
Details
1,080 to 1,439 days
Rate History
No change since Oct 6, 2026 · 1.65% APY · checked 3 times
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
473 Broadway, Saratoga Springs, NY 12866
3-Year CD/IRA
$0
1.01%
▼ 1.76% below New York avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 1.76% below avgNationally 2.81%
Details
Compounded: Daily; IRA Accounts are not subject to the minimum balance requirements
Rate History
No change since Sep 24, 2026 · 1.01% APY · checked 6 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
36 Month IRA Certificate
$1,000
0.45%
▼ 2.32% below New York avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 2.32% below avgNationally 2.81%
Details
IRA certificate; subject to IRS tax regulations and penalties
Rate History
No change since Oct 7, 2026 · 0.45% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - 36 Month
$1,000
0.45%
▼ 2.32% below New York avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▼ 2.32% below avgNationally 2.81%
Details
Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Sep 18, 2026 · 0.45% APY · checked 7 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
36 Month CD
$0
4.90%
▲ 2.13% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▲ 2.13% above avgNationally 2.81%
Details
Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
- Oct 3, 20264.90%▲ from 3.18%
- Sep 19, 20263.18%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
IRA 36 Month CD
$1,000
4.90%
▲ 2.13% above New York avg
▼
Rate4.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▲ 2.13% above avgNationally 2.81%
Details
Rate History
No change since Oct 7, 2026 · 4.90% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional 36 Month CD
$0
4.90%
▲ 2.13% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.77%▲ 2.13% above avgNationally 2.81%
Details
Traditional/Roth IRA Accounts
Rate History
1 change since Sep 19, 2026 · 3.18% → 4.90% ▲ 1.72 pts · high 4.90% / low 3.18%
- Oct 3, 20264.90%▲ from 3.18%
- Sep 19, 20263.18%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month CD
$0
4.85%
▲ 2.08% above New York avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 2.08% 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%
- Oct 14, 20264.85%▲ from 4.80%
- Oct 1, 20264.80%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
3 Year Certificate of Deposit
$1,000
4.55%
▲ 1.78% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.78% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.52%
▲ 1.75% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.75% 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%
- Oct 7, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.52%
▲ 1.75% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.75% 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%
- Oct 2, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 36 Months
$50
4.50%
▲ 1.73% above New York avg
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.73% above avgNationally 2.81%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.47%
▲ 1.70% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.70% above avgNationally 2.81%
Details
Balance: $50,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
- Oct 7, 20264.47%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.47%
▲ 1.70% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.70% above avgNationally 2.81%
Details
Balance: $50,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
- Oct 2, 20264.47%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 years High-Yield CD
$500
4.40%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Month Certificates of Deposit
$0
4.40%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Months Bank CD
$0
4.40%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 12, 2026 · 4.40% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 36 Months
$0
4.40%
▲ 1.63% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
36 Month Certificate of Deposit
$1,000
4.40%
▲ 1.63% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.63% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 12, 20264.40%▲ from 4.25%
- Sep 25, 20264.25%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36 Month Share Certificate
$500
4.35%
▲ 1.58% above New York avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details
Rates as of 10/1/2026; Dividends paid monthly
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 1, 20264.35%▲ from 4.05%
- Sep 18, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36-Month Certificate
$500
4.35%
▲ 1.58% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.58% 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%
- 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%
▲ 1.58% above New York avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.58% above avgNationally 2.81%
Details
Share & IRA Certificates; Maximum term is 60 months; Dividends declared on the last day of the month; Rates as of 10/1/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 1, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month Certificate of Deposit
$0
4.32%
▲ 1.55% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.55% above avgNationally 2.81%
Details
Balance: $25,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 7, 20264.32%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
36 Month IRA CD
$0
4.32%
▲ 1.55% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.55% above avgNationally 2.81%
Details
Balance: $25,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 2, 20264.32%▲ from 4.06%
- Sep 18, 20264.06%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
3 Year Share Certificate
$0
4.29%
▲ 1.52% above New York avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.52% above avgNationally 2.81%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 3.72% → 4.29% ▲ 0.57 pts · high 4.29% / low 3.72%
- Oct 5, 20264.29%▲ from 3.72%
- Sep 14, 20263.72%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 3 Year Certificate
$500
4.29%
▲ 1.52% above New York avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.52% above avgNationally 2.81%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.29% APY
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.48% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.48% above avgNationally 2.81%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Year Share Certificate
$0
4.22%
▲ 1.45% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.45% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 14, 2026 · 3.59% → 4.22% ▲ 0.63 pts · high 4.22% / low 3.59%
- 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%
36 Month Super Share & IRA Certificate
$0
4.20%
▲ 1.43% above New York avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.43% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 4.20% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 Year Certificates of Deposit (CD)
$1,000
4.10%
▲ 1.33% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q
Rate History
No change since Oct 14, 2026 · 4.10% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 Year SEP Pension CD
$1,000
4.10%
▲ 1.33% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; New Customer Limit $3,000,000; Compounding: Q; Pension CDs (Includes IRA, SEP 401K, ESOP) October 1, 2026
Rate History
No change since Oct 14, 2026 · 4.10% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 years up to 4
$1,000
4.10%
▲ 1.33% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY
Rate History
No change since Oct 14, 2026 · 4.10% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 3 years up to 4
$1,000
4.10%
▲ 1.33% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000; Subject to Change at Anytime
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 2, 20264.10%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
36 Month Share & IRA Share Certificate
$0
4.10%
▲ 1.33% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.77%▲ 1.33% above avgNationally 2.81%
Details
Rate History
1 change since Oct 8, 2026 · 3.50% → 4.10% ▲ 0.60 pts · high 4.10% / low 3.50%
- Oct 12, 20264.10%▲ from 3.50%
- Oct 8, 20263.50%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
36 Month Traditional Share Certificate
$5,000
4.07%
▲ 1.30% above New York avg
▼
Rate4.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.77%▲ 1.30% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 5, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Saratoga Springs 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
48 Month IRA
$500
3.50%
▲ 0.81% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 0.81% above avgNationally 2.80%
Details
Traditional & Roth IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 48 Month
$500
3.50%
▲ 0.81% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 0.81% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3013 Route 50, Saratoga Springs, NY 12866
48 Month Certificates and IRA
$500
2.94%
▲ 0.25% above New York avg
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 0.25% above avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Ballston Ave, Saratoga Springs, NY 12866
4 Year Online CD
$0
2.75%
▲ 0.06% above New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 0.06% above avgNationally 2.80%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
48 Month Share Certificate
$500
2.60%
▼ 0.09% below New York avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▼ 0.09% below avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 2.60% APY · checked 4 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
4 Year Commercial Share Certificate
$500
2.50%
▼ 0.19% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.19% below avgNationally 2.80%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
4 Year IRA Share Certificate
$500
2.50%
▼ 0.19% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.19% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
48 Month Business Certificate
$500
2.50%
▼ 0.19% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.19% below avgNationally 2.80%
Details
Promotional rate; New money required; Days: 1,440 to 1,799; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 2.50% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
48 Month Share Certificates
$500
2.50%
▼ 0.19% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.19% below avgNationally 2.80%
Details
Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
Share Certificate 48 Month - Promotional
$500
2.50%
▼ 0.19% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.19% below avgNationally 2.80%
Details
Promotional Rate; New Money Required
Rate History
No change since Oct 14, 2026 · 2.50% APY
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
48 Month IRA Certificate
$1,000
2.00%
▼ 0.69% below New York avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.69% below avgNationally 2.80%
Details
IRA certificate; subject to IRS tax regulations and penalties
Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - 48 Month
$1,000
2.00%
▼ 0.69% below New York avg
▼
Rate1.99%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.69% below avgNationally 2.80%
Details
Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
1 change since Sep 18, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50%
- Oct 7, 20262.00%▲ from 1.50%
- Sep 18, 20261.50%first recorded
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
48 Month Business Certificate
$500
1.75%
▼ 0.94% below New York avg
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.94% below avgNationally 2.80%
Details
Standard rate; New money not required; Days: 1,440 to 1,799; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 1.75% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
48 Month Share Certificates
$500
1.75%
▼ 0.94% below New York avg
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.94% below avgNationally 2.80%
Details
Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 1.75% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
IRA Certificate 48 Months
$500
1.75%
▼ 0.94% below New York avg
▼
Rate1.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▼ 0.94% below avgNationally 2.80%
Details
1,440 to 1,799 days
Rate History
No change since Oct 6, 2026 · 1.75% APY · checked 3 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month CD
$0
4.95%
▲ 2.26% above New York avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 2.26% above avgNationally 2.80%
Details
Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
- 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%
48 Month Certificate of Deposit
$0
4.58%
▲ 1.89% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.89% above avgNationally 2.80%
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%
- Oct 7, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.58%
▲ 1.89% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.89% above avgNationally 2.80%
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%
- Oct 2, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
4 Year Certificate of Deposit
$1,000
4.55%
▲ 1.86% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.86% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.52%
▲ 1.83% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.83% above avgNationally 2.80%
Details
Balance: $50,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
- Oct 7, 20264.52%▲ from 4.32%
- Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.52%
▲ 1.83% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.83% above avgNationally 2.80%
Details
Balance: $50,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
- Oct 2, 20264.52%▲ from 4.32%
- Sep 18, 20264.32%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 48 Months
$50
4.50%
▲ 1.81% above New York avg
▼
Rate4.50%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.81% above avgNationally 2.80%
Details
Dividends paid monthly
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 9, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40%
▲ 1.71% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 years High-Yield CD
$500
4.40%
▲ 1.71% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 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%
▲ 1.71% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.71% above avgNationally 2.80%
Details
Rate History
1 change since Sep 25, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 12, 20264.40%▲ from 4.30%
- Sep 25, 20264.30%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
4 Year Share Certificate
$0
4.39%
▲ 1.70% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.70% above avgNationally 2.80%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
No change since Oct 9, 2026 · 4.39% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
48 Month CD
$0
4.38%
▲ 1.69% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details
Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
- Oct 3, 20264.38%▲ from 3.08%
- Sep 19, 20263.08%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
IRA 48 Month CD
$1,000
4.38%
▲ 1.69% above New York avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details
Rate History
No change since Oct 7, 2026 · 4.38% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional 48 Month CD
$0
4.38%
▲ 1.69% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.69%▲ 1.69% above avgNationally 2.80%
Details
Traditional/Roth IRA Accounts
Rate History
1 change since Sep 19, 2026 · 3.08% → 4.38% ▲ 1.30 pts · high 4.38% / low 3.08%
- Oct 3, 20264.38%▲ from 3.08%
- Sep 19, 20263.08%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.37%
▲ 1.68% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.68% above avgNationally 2.80%
Details
Balance: $25,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 7, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.37%
▲ 1.68% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.68% above avgNationally 2.80%
Details
Balance: $25,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 2, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
4 Year Certificate
$0
4.34%
▲ 1.65% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.65% above avgNationally 2.80%
Details
Credit Quarterly; Compound Daily
Rate History
No change since Oct 9, 2026 · 4.34% APY · checked 2 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 4 Year Certificate
$500
4.34%
▲ 1.65% above New York avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.65% above avgNationally 2.80%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.34% APY
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Year Share Certificate
$0
4.32%
▲ 1.63% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.63% above avgNationally 2.80%
Details
Rate History
2 changes since Sep 14, 2026 · 3.49% → 4.32% ▲ 0.83 pts · high 4.32% / low 3.49%
- 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%
48 Month Super Share & IRA Certificate
$0
4.25%
▲ 1.56% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.56% above avgNationally 2.80%
Details
Rate History
No change since Oct 12, 2026 · 4.25% APY
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
48 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.56% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.56% above avgNationally 2.80%
Details
Early withdrawal penalties may apply. Tax penalties may occur on IRA early withdrawals.
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Year Certificates of Deposit (CD)
$1,000
4.20%
▲ 1.51% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q
Rate History
No change since Oct 14, 2026 · 4.20% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Year SEP Pension CD
$1,000
4.20%
▲ 1.51% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; New Customer Limit $3,000,000; Compounding: Q; Pension CDs (Includes IRA, SEP 401K, ESOP) October 1, 2026
Rate History
No change since Oct 14, 2026 · 4.20% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 4 years up to 5
$1,000
4.20%
▲ 1.51% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY
Rate History
No change since Oct 14, 2026 · 4.20% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 4 years up to 5
$1,000
4.20%
▲ 1.51% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.51% above avgNationally 2.80%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000; Subject to Change at Anytime
Rate History
1 change since Sep 18, 2026 · 4.10% → 4.20% ▲ 0.10 pts · high 4.20% / low 4.10%
- Oct 2, 20264.20%▲ from 4.10%
- Sep 18, 20264.10%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
48 Month Share & IRA Share Certificate
$0
4.15%
▲ 1.46% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details
Rate History
1 change since Oct 8, 2026 · 3.55% → 4.15% ▲ 0.60 pts · high 4.15% / low 3.55%
- Oct 12, 20264.15%▲ from 3.55%
- Oct 8, 20263.55%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Certificate
$100
4.15%
▲ 1.46% above New York avg
▼
Rate4.07%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details
Minimum balance to open and earn APY: $100; dividends compounded and paid monthly; APY fixed for full term
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Term/IRA Term
$0
4.15%
▲ 1.46% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details
Single - 48 MONTH TERM ACCOUNT; Certificate Account; fixed rate; dividends compounded and paid monthly; penalty for withdrawal before maturity
Rate History
No change since Sep 21, 2026 · 4.15% APY · checked 6 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 48 MONTH TERM ACCOUNT
$0
4.15%
▲ 1.46% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.46% above avgNationally 2.80%
Details
Certificate Accounts; 48-Month Term/IRA
Rate History
No change since Oct 5, 2026 · 4.15% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month Certificate of Deposit
$0
4.06%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details
Balance: $10,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
- Oct 7, 20264.06%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 Month IRA CD
$0
4.06%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details
Balance: $10,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
- Oct 2, 20264.06%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
4 Year IRA Share Certificate Accounts
$0
4.06%
▲ 1.37% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.69%▲ 1.37% above avgNationally 2.80%
Details
Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Rate History
No change since Oct 4, 2026 · 4.06% APY · checked 2 times
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Business Certificate Accounts - 48-Month
$500
4.05%
▲ 1.36% above New York avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.36% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 27, 20264.05%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Accounts - 48-Month
$500
4.05%
▲ 1.36% above New York avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.69%▲ 1.36% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 27, 20264.05%▲ from 3.60%
- Sep 14, 20263.60%first recorded
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
4-Year Share Certificate
$1,000
4.03%
▲ 1.34% above New York avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.69%▲ 1.34% above avgNationally 2.80%
Details
Early withdrawal penalty: 9 Months Dividends
Rate History
No change since Sep 14, 2026 · 4.03% APY · checked 8 times
Saratoga Springs 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.02% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.02% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
19 J F King Dr, Saratoga Springs, NY 12866
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.97% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 0.97% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
60 Month IRA
$500
3.50%
▲ 0.62% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 0.62% above avgNationally 2.91%
Details
Traditional & Roth IRA Certificate
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Broadview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.36%
815 N Broadway, Saratoga Springs, NY 12866 1632
Fixed Rate Certificates - 60 Month
$500
3.50%
▲ 0.62% above New York avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 0.62% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
FNB of Scotia
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3013 Route 50, Saratoga Springs, NY 12866
60 Month Certificates and IRA
$500
2.97%
▲ 0.09% above New York avg
▼
Rate2.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 0.09% above avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 2.97% APY · checked 5 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Ballston Ave, Saratoga Springs, NY 12866
5 Year Online CD
$0
2.75%
▼ 0.13% below New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 0.13% below avgNationally 2.91%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
424 Maple Ave, Saratoga Springs, NY 12866 5506
60 Month Share Certificate
$500
2.70%
▼ 0.18% below New York avg
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▼ 0.18% below avgNationally 2.91%
Details
Rate History
No change since Sep 25, 2026 · 2.70% APY · checked 4 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
5 Year Commercial Share Certificate
$500
2.50%
▼ 0.38% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 0.38% below avgNationally 2.91%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
3090 Route 50, Saratoga Springs, NY 12866
5 Year IRA Share Certificate
$500
2.50%
▼ 0.38% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 0.38% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
60 Month Business Certificate
$500
2.50%
▼ 0.38% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 0.38% below avgNationally 2.91%
Details
Promotional rate; New money required; Days: 1,800; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 2.50% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
60 Month Share Certificates
$500
2.50%
▼ 0.38% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 0.38% below avgNationally 2.91%
Details
Promotional rate; New Money Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
Share Certificate 60 Month - Promotional
$500
2.50%
▼ 0.38% below New York avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 0.38% below avgNationally 2.91%
Details
Promotional Rate; New Money Required
Rate History
No change since Oct 14, 2026 · 2.50% APY
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
60 Month Business Certificate
$500
1.85%
▼ 1.03% below New York avg
▼
Rate1.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 1.03% below avgNationally 2.91%
Details
Standard rate; New money not required; Days: 1,800; Early withdrawal penalty: 90 days dividends
Rate History
No change since Oct 6, 2026 · 1.85% APY · checked 3 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
60 Month Share Certificates
$500
1.85%
▼ 1.03% below New York avg
▼
Rate1.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 1.03% below avgNationally 2.91%
Details
Standard rate; New Money Not Required; Early withdrawal penalty: 90 days dividends
Rate History
No change since Sep 30, 2026 · 1.85% APY · checked 5 times
Saratoga?s Community FCU
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
189 Ballston Ave, Saratoga Springs, NY 12866 4715
IRA Certificate 60 Months
$500
1.85%
▼ 1.03% below New York avg
▼
Rate1.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 1.03% below avgNationally 2.91%
Details
1,800 to 2,159 days
Rate History
No change since Oct 6, 2026 · 1.85% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
60 Month IRA Certificate
$1,000
0.60%
▼ 2.28% below New York avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 2.28% below avgNationally 2.91%
Details
IRA certificate; subject to IRS tax regulations and penalties
Rate History
No change since Oct 7, 2026 · 0.60% APY · checked 3 times
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.61%
3057 Route 50, Saratoga Springs, NY 12866
Certificate of Deposit - 60 Month
$1,000
0.60%
▼ 2.28% below New York avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▼ 2.28% below avgNationally 2.91%
Details
Minimum deposit to open is $1,000; Interest compounds quarterly
Rate History
No change since Sep 18, 2026 · 0.60% APY · checked 7 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month CD
$0
5.00%
▲ 2.12% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 2.12% above avgNationally 2.91%
Details
Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
- Oct 14, 20265.00%▲ from 4.95%
- Oct 1, 20264.95%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
60 Month CD
$0
4.64%
▲ 1.76% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 1.76% above avgNationally 2.91%
Details
Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
- Oct 3, 20264.64%▲ from 3.23%
- Sep 19, 20263.23%first recorded
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
IRA 60 Month CD
$1,000
4.64%
▲ 1.76% above New York avg
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 1.76% above avgNationally 2.91%
Details
Rate History
No change since Oct 7, 2026 · 4.64% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional 60 Month CD
$0
4.64%
▲ 1.76% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
New York Average2.88%▲ 1.76% above avgNationally 2.91%
Details
Traditional/Roth IRA Accounts
Rate History
1 change since Sep 19, 2026 · 3.23% → 4.64% ▲ 1.41 pts · high 4.64% / low 3.23%
- Oct 3, 20264.64%▲ from 3.23%
- Sep 19, 20263.23%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.63%
▲ 1.75% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.75% above avgNationally 2.91%
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%
- Oct 7, 20264.63%▲ from 4.42%
- Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.63%
▲ 1.75% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.75% above avgNationally 2.91%
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%
- 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%
60 Month Certificate of Deposit
$0
4.58%
▲ 1.70% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.70% above avgNationally 2.91%
Details
Balance: $50,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 7, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.58%
▲ 1.70% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.70% above avgNationally 2.91%
Details
Balance: $50,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 2, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
5 Year Certificate of Deposit
$1,000
4.55%
▲ 1.67% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.67% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.55% ▲ 0.80 pts · high 4.55% / low 3.75%
- Sep 28, 20264.55%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.42%
▲ 1.54% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.54% above avgNationally 2.91%
Details
Balance: $25,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 7, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.42%
▲ 1.54% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.54% above avgNationally 2.91%
Details
Balance: $25,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 2, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details
Early withdrawal penalty: Yes; $500 minimum to open a CD and earn stated APY; Maximum balance limits apply
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 years High-Yield CD
$500
4.40%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details
Early Withdrawal Penalty: Yes
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 6, 20264.40%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Month Certificates of Deposit
$0
4.40%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details
Rate History
No change since Sep 20, 2026 · 4.40% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Months Bank CD
$0
4.40%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details
No monthly fees or minimum deposit
Rate History
No change since Oct 4, 2026 · 4.40% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit - 60 Months
$0
4.40%
▲ 1.52% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 4.40% APY · checked 2 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
60 Month Certificate of Deposit
$1,000
4.40%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.52% above avgNationally 2.91%
Details
Rate History
1 change since Sep 25, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 25, 20264.35%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
5 Year Share Certificate
$0
4.39%
▲ 1.51% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.51% above avgNationally 2.91%
Details
Credit Quarterly; Interest Compounded Daily; Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.39% ▲ 0.31 pts · high 4.39% / low 4.08%
- Oct 5, 20264.39%▲ from 4.08%
- Sep 14, 20264.08%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
IRA 5 Year Certificate
$500
4.39%
▲ 1.51% above New York avg
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.51% above avgNationally 2.91%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
No change since Oct 13, 2026 · 4.39% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
5 Year Certificates of Deposit (CD)
$1,000
4.30%
▲ 1.42% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding: Q
Rate History
No change since Oct 14, 2026 · 4.30% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
5 Year SEP Pension CD
$1,000
4.30%
▲ 1.42% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; New Customer Limit $3,000,000; Compounding: Q; Pension CDs (Includes IRA, SEP 401K, ESOP) October 1, 2026
Rate History
No change since Oct 14, 2026 · 4.30% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 5 years
$1,000
4.30%
▲ 1.42% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Apply Online; Compounding Q; Minimum opening deposit and balance to obtain APY
Rate History
No change since Oct 14, 2026 · 4.30% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs (Includes IRA, SEP 401K, ESOP) - 5 years
$1,000
4.30%
▲ 1.42% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000; Subject to Change at Anytime
Rate History
1 change since Sep 18, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 2, 20264.30%▲ from 4.20%
- Sep 18, 20264.20%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
60 Month Super Share & IRA Certificate
$0
4.30%
▲ 1.42% above New York avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.42% above avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 4.30% APY
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
5 Years (60 Months) Certificate of Deposit
$250
4.25%
▲ 1.37% above New York avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.37% above avgNationally 2.91%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 3, 20264.25%▲ from 3.50%
- Sep 20, 20263.50%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year Certificate
$500
4.22%
▲ 1.34% above New York avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.34% above avgNationally 2.91%
Details
Certificate Type: 5 Year (60 months); Required On Deposit: $500.00
Rate History
No change since Oct 5, 2026 · 4.22% APY · checked 2 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
60 Month Share & IRA Share Certificate
$0
4.20%
▲ 1.32% above New York avg
▼
Rate4.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
New York Average2.88%▲ 1.32% above avgNationally 2.91%
Details
Rate History
1 change since Oct 8, 2026 · 3.55% → 4.20% ▲ 0.65 pts · high 4.20% / low 3.55%
- Oct 12, 20264.20%▲ from 3.55%
- Oct 8, 20263.55%first recorded
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Business Certificate Account
$0
4.15%
▲ 1.27% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 7 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Certificate
$50
4.15%
▲ 1.27% above New York avg
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 7 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month IRA Certificate
$50
4.15%
▲ 1.27% above New York avg
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details
APY in effect as of 10/14/2026
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 7 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 60 MONTH TERM ACCOUNT
$100
4.15%
▲ 1.27% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
New York Average2.88%▲ 1.27% above avgNationally 2.91%
Details
Certificate Accounts (60-Month Term/IRA); Minimum deposit of $100 required to open and earn the APY; penalty for withdrawal before maturity
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month Certificate of Deposit
$0
4.11%
▲ 1.23% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.23% above avgNationally 2.91%
Details
Balance: $10,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
- Oct 7, 20264.11%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 Month IRA CD
$0
4.11%
▲ 1.23% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
New York Average2.88%▲ 1.23% above avgNationally 2.91%
Details
Balance: $10,000.00 minimum
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
- Oct 2, 20264.11%▲ from 3.91%
- Sep 18, 20263.91%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Saratoga Springs, NY CD Rate Trends
Compare local Saratoga Springs, NY CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NY Avg
3.025%
▲ 0.017 vs 7 days ago
New York 12-month CD rates rose 0.017 points over the past 7 days to 3.025% APY.
6-Month CD NY Avg
2.784%
▲ 0.035 vs 7 days ago
New York 6-month CD rates rose 0.035 points over the past 7 days to 2.784% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.025%
6-Month Forecast
3.025%
Range: 2.83%, 3.18%
12-Month Forecast
3.275%
Range: 3.08%, 3.43%
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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 | 2.058% | $102.89 | $205.78 | $514.45 | $1,028.90 |
| 6-Month CD | 2.784% | $139.21 | $278.42 | $696.05 | $1,392.10 |
| 12-Month CD | 3.025% | $151.23 | $302.45 | $756.13 | $1,512.25 |
| 18-Month CD | 2.986% | $149.30 | $298.60 | $746.50 | $1,493.00 |
| 24-Month CD | 2.962% | $148.12 | $296.23 | $740.58 | $1,481.15 |
| 36-Month CD | 2.768% | $138.38 | $276.76 | $691.90 | $1,383.80 |
| 48-Month CD | 2.689% | $134.42 | $268.85 | $672.13 | $1,344.25 |
| 60-Month CD | 2.883% | $144.13 | $288.26 | $720.65 | $1,441.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Saratoga Springs, New York Savers
$25,000 split equally across 5 terms using today’s New York average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NY Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.058% | $102.89 |
| 2 | 6-Month CD | $5,000 | 2.784% | $139.21 |
| 3 | 12-Month CD | $5,000 | 3.025% | $151.23 |
| 4 | 24-Month CD | $5,000 | 2.962% | $148.12 |
| 5 | 36-Month CD | $5,000 | 2.768% | $138.38 |
| Total ($25,000 invested) | $25,000 | 2.719% blended | $679.83/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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2,253
CD Rates
Tracked in Saratoga Springs, New York
Tracked in Saratoga Springs, New York
56 Banks
94 Credit Unions
About Our Saratoga Springs, New York CD Rate Database
MonitorBankRates tracks 2,253 CD rates from 56 banks and 94 credit unions with locations in Saratoga Springs, 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: Navy Federal Credit Union offers a CD at 4.35% APY with a minimum deposit of $50. Use the rate table above to compare all current offers in Saratoga Springs, New York.
How to Find the Best CD Rates in Saratoga Springs, New York
What to compare when shopping for a CD in Saratoga Springs, New York
To find the best APYs in Saratoga Springs, New York, start with credit unions and online-only banks: Saratoga Springs, New York has 94 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 Saratoga Springs, 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 Saratoga Springs, New York: 150 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Saratoga Springs, New York savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Saratoga Springs, New York money market rates
Saratoga Springs, New York Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
21.6%
National avg: 17.3%
Median Individual Earnings
$53,218
National avg: $47,340
Poverty Rate
9.7%
National avg: 11.1%
Unemployment Rate
2.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$161/yr
At NY 12-mo avg 3.025% APY
21.6% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 2.4% reflects a strong local economy. At today’s NY 12-month CD average of 3.025%, saving 10% of the local median salary ($5,321/year) and putting it in a CD would earn an additional $161 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, New York as everywhere in the U.S.
Choosing a CD Term in Saratoga Springs, 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 Saratoga Springs, New York savers easier access to their funds. For example, Sunmark Credit Union is offering its 6 Month Certificate at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Navy Federal Credit Union is offering its 5 Year ESA Long-Term Certificate at 3.90% 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a Saratoga Springs, 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 Saratoga Springs, New York
Are CD rates in Saratoga Springs, New York FDIC insured?
Yes, most established banks in Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, New York?
Here are recent top rates found for this area:
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Sunmark Credit Union: 4.25% APY (6 Month Certificate)
- Adirondack Trust Company: 4.06% APY (3-Month CD Special)
- Chemung Canal Trust Company: 4.00% APY (12 Month CD)
- Broadview Federal Credit Union: 4.00% APY (12 Month IRA)
- First New York Federal Credit Union: 3.75% APY (24 Month Share Certificate)
- Citizens Access: 3.25% APY (1 Year Online CD)
- FNB of Scotia: 2.97% APY (60 Month Certificates and IRA)
- Saratoga?s Community FCU: 2.50% APY (12 Month Business Certificate)
- Cornerstone Community Federal Credit Union: 6.00% APY (6 Month Youth Share Certificate)
Rates reflect recent verified offers available in Saratoga Springs, New York. Last Updated: October 14, 2026
Saratoga Springs, 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 Saratoga Springs, New York rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Saratoga Springs, New York
Saratoga Springs, New York CD Calculator
At today’s NY top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.
Saratoga Springs, New York CD LadderNY CD rates currently range from 2.058% (3-month) to 2.768% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Saratoga Springs, New York CD at 4.35% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew York’s average 12-month CD is 3.025% 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 Saratoga Springs, 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 Saratoga Springs, 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 Saratoga Springs, 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 14, 2026
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