New York CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in New York, view interactive rate trend charts, and compare NY APYs against the national average.
Current New York CD Rate Trends
CD APYs in New York fell by -1.087 this week, bringing the current 12-Month CD average APY down to 2.178%. Savers in NY are seeing slightly reduced yields compared to last week, when the average stood at 3.265%.
At 2.178%, New York's 12-Month CD APY sits -0.624 below the current national average of 2.802%. Savers in NY may find better yields by comparing online offerings or considering national institutions.
The 6-Month CD APY in New York currently averages 2.304%, compared to 2.989% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The New York certificate of deposit rate averages displayed on this page are calculated from our database of over 8,500 banks and credit unions actively operating across the state of New York. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors. Every day we aggregate those individual data points into state-level averages that represent a true, real-market picture of what NY residents are being offered today.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across New York. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in NY.
Data reflects average APYs offered by licensed institutions operating in NY. Last Updated: March 20, 2026
New York CD Rate Trends
Weekly average APYs across all cd products. Hover over the chart to see exact APYs for each week.
As of Mar 20, 2026 • Data provided by MonitorBankRates.com
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