Waterloo, New York CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Waterloo, New York CD rates include Beginnings Credit UnionBeginnings Credit Union1959 Route 5 and 20, Waterloo, NY 13165A+5.0 ★Texas Ratio: 4.92%Real return: +0.95%APY minus CPI (February 2026) offering 12 Month Plus at 3.75% APY, 5 Star Bank5 Star Bank1940 Routes 5 and 20, Waterloo, NY 13165A+5.0 ★Texas Ratio: 2.24%Real return: -2.30%APY minus CPI (February 2026) offering 48 Month at 0.50% APY, Visions Federal Credit UnionVisions Federal Credit UnionA+5.0 ★Texas Ratio: 4.43%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month Share Certificate at 4.50% APY, Generations United Federal Credit UnionGenerations United Federal Credit UnionA+5.0 ★Texas Ratio: 0.06%Real return: +1.54%APY minus CPI (February 2026) offering Long-Term Certificates 24-month at 4.34% APY, and UGEFCUUGEFCUA+5.0 ★Real return: +1.35%APY minus CPI (February 2026) offering 6 Months Share Certificates at 4.15% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Waterloo has 29 local institutions in our database, with CD rates as high as 3.75% APY from Beginnings Credit Union at 1959 Route 5 and 20, Waterloo, NY 13165. 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 — 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: May 12, 2026
Compare Best CD Rates in Waterloo, New York & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
3 Month Plus
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Certificates with $100,000 minimum to open and earn APY
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
3 Month Plus Certificates with minimum to open and earn APY
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$25,000
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
3 Month Plus Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
3 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
3 Month
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
GHS Federal Credit Union
Institution Rating:
D3.2 ★Texas Ratio: 36.15%
Share Certificate - 3 Month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
3 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 3 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
3 Month Certificate of Deposit - Branch
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
APY (Annual Percentage Yield) based on balances of $2,000 or more; Rates effective 12/17/25
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
3-Month Certificate of Deposit
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3-Month CD Special
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Patriot Bank N.A.
Institution Rating:
F2.4 ★Texas Ratio: 45.79%
Star Relationship CD 3 Month
$500
3.50%
▼
Rate3.39%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
$500 Minimum unless otherwise noted - Early Withdrawal Penalties May Apply
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Month Share Certificate
$1,000
3.26%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.90%
3 month Share Certificates and IRAs
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
90 Day Certificates of Deposit & IRA CDs
$250
3.25%
▼
Rate3.20%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 month - 24 month Certificate Accounts
$0
3.17%
▼
Rate3.12%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
90 Days Certificate
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Funding Limit: $12M
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
3 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
In-Branch
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
3 month Share Certificates
$1,000
2.88%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Early Withdrawal Penalty May Apply
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 3-month
$100
2.78%
▼
Rate2.75%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
IRA Term Share Certificates 3 Month
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rates and Terms shown are for CDs opened or renewed online only. Minimum to open is $1,000.; Online Only
Rate2.71%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rates and Terms shown are for CDs opened or renewed in branch. Minimum to open is $1,000.
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 and above
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 3 month
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Under $100,000
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Months Certificate
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity.
Southern Chautauqua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Share Certificates 3 Months
$0
2.23%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Penalty for early withdrawal
Brooklyn Cooperative Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.06%
3 month Certificate
$0
2.21%
▼
Rate2.19%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Funding Limit*: $12M
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
3 Month CD
$500
1.90%
▼
Rate1.88%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
3 Month IRA
$500
1.90%
▼
Rate1.88%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
3-Month Term/IRA Term
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
The Bank of Princeton
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
3 Month Certificate of Deposit
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
3 Month Member Certificate
$0
1.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
3 Month Member Certificate
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★Texas Ratio: 40.19%
3 Month Member Certificate
$0
1.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 3 Months
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
6 Month Plus
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Certificates with $100,000 minimum to open and earn APY
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
6 Month Plus Certificates with minimum to open and earn APY
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$25,000
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
6 Month Plus Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
6 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
6 Month
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate4.07%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Limited Time
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Months Certificate
$500
4.02%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Dividends on 3 and 6 month certificates are paid at maturity.
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Month Certificate of Deposit
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
6 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Months Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Over 7 different types of business CDs to choose from.
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
180 Day (6 months) Certificates of Deposit & IRA CDs
$250
3.95%
▼
Rate3.87%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 6 month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
6-Month Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.78%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
State CS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.81%
6 Month Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 6 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Pioneer Bank Albany, NY
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
6 months Certificates of Deposits
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
6-month Term Share Certificate & IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
6 Month Certificate of Deposit - Branch
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
6 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
6 months Certificates
$250
3.65%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
HSA Certificates 6 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
IRA 6 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
NEXT STEP
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 month Certificate Accounts
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month IRA Certificate
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
6 Months Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Ballston Spa National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD/IRA
$10,000
3.60%
▼
Rate3.57%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Months Share Certificates and IRA CDs
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Chemung Canal Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
NEW CD Special: 6 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit (CD) 6 months
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.91%
6-Month Special Certificate Account
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
No monthly fee
Alliance Niagara Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
IRA Certificates 6 months
$1,000
3.54%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6-Month CD Special
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Compass Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 6 Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
12 Month Plus
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Certificates with $100,000 minimum to open and earn APY
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
12 Month Plus Certificates with minimum to open and earn APY
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$25,000
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
12 Month Plus Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
12 Month
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
12 Month
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.43%
12-Month Share Certificate
$0
4.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Exclusive new money offer!
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
12 Month Share Certificate K New Money
$5,000
4.07%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 10, 2026
Details
$5
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
Share Certificate 12-Month-Bonus Rate
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Months Certificates / IRA Certificates
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
12 Month Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
Dedicated Saver Share Certificate 3-12 Month Certificate
$50
4.00%
▼
Rate3.92%
Min Deposit$50
Min Balance—
UpdatedMay 12, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Months Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
1 Year (12 months) Certificates of Deposit & IRA CDs
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month IRA Certificate
$0
3.91%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
1-Year Share Certificate
$1,000
3.87%
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
12 Month Term Share Certificates
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Term Share Certificates 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 12 Month
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
12 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Limited time offer. Only available in our branches.
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 1 Year
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
Share/IRA Certificate Special - 12 months
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
12 Month Certificate Special
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 12 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Leatherstocking Region Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12-month share certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 12 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
12 months Certificate of Deposit
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
ROTH IRA Share Certificates 63 / 12 Month - Int. Monthly
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 12 months
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum $50,000
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
12 Months Certificates of Deposit (CDs)
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
12 Months Certificate
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 83 / 12 Month - Int. Monthly
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
IRA Certificates of Deposit 12 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 12 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
12-Month Flex Certificate Accounts & IRA Certificate Accounts
$750
3.64%
▼
Rate3.57%
Min Deposit$750
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 12 Month Certificate of Deposit
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Reliant Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12-Month Investor and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 Mo Share Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
18 Month
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
18 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA 18 month
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
Share Certificate Special 18-Month
$500
4.00%
▼
Rate3.92%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
1 1/2 Years (18 Months) Certificates of Deposit & IRA CDs
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Months Certificates / IRA Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
New Deposits Only
Metro Realtors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
18 Month CD for New Member
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$10,000 max
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
18-Month Special Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
At the end of term this will auto-renew to a 12-month share certificate at the prevailing rate.
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
18 Months
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
In-Branch
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-month Term Share Certificate & IRA
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-month Roth IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-month IRA TSC
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Broadview Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA Certificate
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
18 Month Variable Rate IRA
$100
3.72%
▼
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate3.54%
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
NEW MONEY REQUIRED ? IRA ELIGIBLE
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 18 months
$50,000
3.55%
▼
Rate3.49%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum $50,000
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 4, 2026
Details
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.04%
Certificates of Deposit 18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
($500.00 Minimum to open and obtain APY) (Fixed Rate)
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
18 Months Certificates of Deposit (CDs)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
18 months Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
18 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
18 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
IRA Certificates of Deposit 18 Months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 18 Months
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
18 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
HSA Certificates 18 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
IRA 18 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
The Upstate National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates of Deposits 18 months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum $1,000.00
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
18-Month IRA Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
GU Certificates 18-month
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
Premier Term Share Certificate 18 Month
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
18 Month Term Share (Certificate)
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
18 months Certificates
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
24 Month Plus
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Certificates with $100,000 minimum to open and earn APY
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
24 Month Plus Certificates with minimum to open and earn APY
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$25,000
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
24 Month Plus Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
24 Month
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
24 Month
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
Long-Term Certificates 24-month
$100,000
4.34%
▼
Rate4.25%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
1 1/2 Years (18 Months) Certificates of Deposit & IRA CDs
$250
4.00%
▼
Rate3.93%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
24 Months
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
In-Branch
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 84 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
ROTH IRA Share Certificates 64 / 24 Month - Int. Monthly
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 24 months
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
24 months Certificate of Deposit
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
2-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
24 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Access Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Months Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
IRA Certificates 24 Month
$100
3.75%
▼
Rate3.68%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
2 Years (24 Months) Certificates of Deposit & IRA CDs
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2-year Term Share Certificate & IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Month Certificates
$500
3.75%
▼
Rate3.68%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Month Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2-year Roth IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
2-year IRA TSC
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
24 Month Term Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Term Share Certificates 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate of Deposit (CD) 4/1/2026 2 Years
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 24 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
2-YEAR TREASURY INDEXED CD
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
variable yield account with no cap
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
2 Years Certificate
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
18 and 24 Months Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
Share Certificate 24-Month
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
24-month IRA Share Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Terms and conditions apply. See our [Truth in Savings disclosure](https://www.nymcu.org/hubfs/Disclaimers_05.17.23/tisa-rate-and-fee-schedule.pdf?hsLang=en) for more details.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
2 Year Share Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Credit Quarterly
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
2 Year IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Mo Share Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 Mo IRA Cert
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 month term Share Certificate
$500
3.56%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.63%
24 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
IRA Sapling (24 months)
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
Sapling** (24 months) Certificates
$3,000
3.55%
▼
Rate—
Min Deposit$3,000
Min Balance—
UpdatedMay 7, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 24 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
24 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.71%
2 Years Certificate
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Months Certificates / IRA Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit (CD) 24 months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money CDs 24 Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
36 Month Plus
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Certificates with $100,000 minimum to open and earn APY
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
36 Month Plus Certificates with minimum to open and earn APY
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$25,000
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
36 Month Plus Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
36 Month
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
36 Month
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
36 months Certificate of Deposit
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
3-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.05%
36-month IRA Share Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Terms and conditions apply. See our [Truth in Savings disclosure](https://www.nymcu.org/hubfs/Disclaimers_05.17.23/tisa-rate-and-fee-schedule.pdf?hsLang=en) for more details.
Trouvaille Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
36 Month Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Ed-Med Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
36 MONTH SHARE CERTIFICATE
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
3 Years (36 Months) Certificates of Deposit & IRA CDs
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Years Certificate
$500
3.66%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
36 Month Term Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Term Share Certificates 36 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 36 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
IRA Certificates 36 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36-Month Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
36-Month Certificate Accounts & IRA Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 36 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.63%
36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
3 Year IRA Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
3 Year Share Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Credit Quarterly
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
3 years Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
36 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Educational and Governmental Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-36 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
36 Month Certificate of Deposit - Branch
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 36 Month
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
36 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
In-Branch
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-year Term Share Certificate & IRA
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-year Roth IRA TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
3-year IRA TSC
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
ROTH IRA Share Certificates 66 / 36 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 86 / 36 Month - Int. Monthly
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
IRA 36 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
HSA Certificates 36 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
36 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 7, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
36 Months Share Certificate
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Qside Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3-Year Term
$100,000
3.42%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Share & IRA Certificates 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
48 Month Plus
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Certificates with $100,000 minimum to open and earn APY
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
48 Month Plus Certificates with minimum to open and earn APY
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$25,000
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
48 Month Plus Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
48 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
48 Month
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
48 months Certificate of Deposit
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
4 Years (48 Months) Certificates of Deposit & IRA CDs
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Term Share Certificates 48 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
48 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
4 Year IRA Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
4 Year Share Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Credit Quarterly
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48-Month Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
48-Month Certificate Accounts & IRA Certificate Accounts
$500
3.60%
▼
Rate3.53%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Cross River Bank
Institution Rating:
F1.0 ★Texas Ratio: 85.67%
48 Month Certificate of Deposit - Branch
$500
3.60%
▼
Rate3.54%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
SHARE & IRA CERTIFICATE Accounts 48 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 48 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
ROTH IRA Share Certificates 67 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
48 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
48 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
In-Branch
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 87 / 48 Month - Int. Monthly
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
48 Months Share Certificate
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
48 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
HSA Certificates 48 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
IRA 48 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 48 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Seneca Nation Of Indians Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.63%
48 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
48 month Share Certificates
$1,000
3.24%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Early Withdrawal Penalty May Apply
Southern Chautauqua Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Share Certificates 48 Months
$0
3.23%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Penalty for early withdrawal
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
48 Month CD
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Cross County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.54%
48 Month IRA
$500
3.20%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.15%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 and above
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 48 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
4-year Share Certificate and IRA Certificate
$0
3.07%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
48-Month Certificate of Deposit
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 Mo IRA Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 Mo Share Cert
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
The Finest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
48 month term Share Certificate
$500
3.04%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 4 years
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Under $100,000
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
60 Month
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Certificates with $100,000 minimum to open and earn APY
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
60 Month Certificates with minimum to open and earn APY
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$25,000
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
1959 Route 5 and 20, Waterloo, NY 13165
60 Month Certificates
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
60 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
5 Star Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
1940 Routes 5 and 20, Waterloo, NY 13165
60 Month
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
60 months Certificate of Deposit
$1,000
4.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
5 Years Certificate
$500
3.92%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.20%
5-Year Share Certificate
$1,000
3.82%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
60 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
IRA Term Share Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Spring Bank Bronx, NY
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
5 Years (60 Months) Certificates of Deposit & IRA CDs
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
Term Share Certificates 60 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
60 Months (Five Years) Share Certificate
$0
3.71%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Buffalo Metropolitan Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.63%
Share Certificates 60 Months (Five Years)
$0
3.71%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5 Year IRA Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
5 Year Share Certificate
$0
3.67%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Credit Quarterly
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60-Month Certificate Accounts & IRA Certificate Accounts
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.95%
60-Month Certificate Accounts
$500
3.65%
▼
Rate3.58%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
IRA Certificates 60 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
60-MONTH TERM ACCOUNT
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Crossroads Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.17%
60 Months Share Certificate
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★Texas Ratio: 26.83%
Share Certificates 60 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
ROTH IRA Share Certificates 68 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
IRA Share Certificates 88 / 60 Month - Int. Monthly
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.42%
Certificates of Deposit 60 Month
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.51%
60-MONTH TERM ACCOUNT
$100
3.50%
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details
First Central Savings Bank Glen Cove, NY
Institution Rating:
A+5.0 ★Texas Ratio: 5.09%
60 Months
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
In-Branch
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
UHS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
5 years Share Certificate
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
AmeriCU Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.15%
60 Month Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
IRA 60 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
HSA Certificates 60 months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.37%
60 months Certificates
$250
3.45%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 60 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
60 Months Certificates / IRA Certificates
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
60 month Share Certificates
$1,000
3.29%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Early Withdrawal Penalty May Apply
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedMay 6, 2026
Details
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
Traditional IRA / Roth IRA Share Certificates 5 years
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000 and above
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Variable Rate Certificate1 Certificate of Deposit (IRA)
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
Member Merits (Gold1) 60 Month Variable Rate Certificate 1
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional and Roth IRA 60 month
$500
3.11%
▼
Rate3.07%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Waterloo, New York at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Waterloo depositors is 3.75% APY from Beginnings Credit Union. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Waterloo, NY CD Rate Trends
Compare local Waterloo, 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
2.263%
▲ 0.114 vs 7 days ago
New York 12-month CD rates rose 0.114 points over the past 7 days to 2.263% APY.
6-Month CD — NY Avg
1.997%
▲ 0.150 vs 7 days ago
New York 6-month CD rates rose 0.150 points over the past 7 days to 1.997% APY.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NY CD Rate Forecast — Next 12 Months
Where are New York CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NY 12-Month Avg APY
2.263%
6-Month Forecast
2.263%
Range: 2.06% – 2.41%
12-Month Forecast
2.013%
Range: 1.81% – 2.16%
Powered by
MonitorBankRates
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 | 1.684% | $84.19 | $168.37 | $420.93 | $841.85 |
| 6-Month CD | 1.997% | $99.85 | $199.69 | $499.23 | $998.45 |
| 12-Month CD | 2.263% | $113.17 | $226.33 | $565.83 | $1,131.65 |
| 18-Month CD | 2.167% | $108.36 | $216.72 | $541.80 | $1,083.60 |
| 24-Month CD | 2.249% | $112.47 | $224.94 | $562.35 | $1,124.70 |
| 36-Month CD | 1.973% | $98.66 | $197.32 | $493.30 | $986.60 |
| 48-Month CD | 2.304% | $115.20 | $230.40 | $576.00 | $1,152.00 |
| 60-Month CD | 2.175% | $108.75 | $217.50 | $543.75 | $1,087.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Waterloo, 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 | 1.684% | $84.19 |
| 2 | 6-Month CD | $5,000 | 1.997% | $99.85 |
| 3 | 12-Month CD | $5,000 | 2.263% | $113.17 |
| 4 | 24-Month CD | $5,000 | 2.249% | $112.47 |
| 5 | 36-Month CD | $5,000 | 1.973% | $98.66 |
| Total ($25,000 invested) | $25,000 | 2.033% blended | $508.34/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.
1,137
CD Rates
Tracked in Waterloo, New York
Tracked in Waterloo, New York
59 Banks
96 Credit Unions
About Our Waterloo, New York CD Rate Database
MonitorBankRates tracks 1,137 CD rates from 59 banks and 96 credit unions with locations in Waterloo, 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 (1–5), 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: Beginnings Credit Union offers a CD at 3.75% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Waterloo, New York.
How to Find the Best CD Rates in Waterloo, New York
What to compare when shopping for a CD in Waterloo, New York
To find the best APYs in Waterloo, New York, start with credit unions and online-only banks — Waterloo, New York has 96 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 Waterloo, 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 Waterloo, New York — 155 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Waterloo, New York savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Waterloo, New York money market rates
Waterloo, New York Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
29.4%
National avg: 17.3%
Median Individual Earnings
$41,133
National avg: $47,340
Poverty Rate
11.7%
National avg: 11.1%
Unemployment Rate
6.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$93/yr
At NY 12-mo avg 2.263% APY
29.4% 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; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 2.263%, saving 10% of the local median salary ($4,113/year) and putting it in a CD would earn an additional $93 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 Waterloo, 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 (90–180 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 |
Frequently Asked Questions about CD Rates in Waterloo, New York
Are CD rates in Waterloo, New York FDIC insured?
Yes, most established banks in Waterloo, 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 Waterloo, 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 Waterloo, 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 Waterloo, 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 Waterloo, New York?
Here are recent top rates found for this area:
- Beginnings Credit Union: 3.75% APY (12 Month Plus)
- 5 Star Bank: 0.50% APY (48 Month)
- Visions Federal Credit Union: 4.50% APY (12-Month Share Certificate)
- Generations United Federal Credit Union: 4.34% APY (Long-Term Certificates 24-month)
- UGEFCU: 4.15% APY (6 Months Share Certificates)
- Newtek Bank: 4.10% APY (6 Month CD)
- Mohawk Valley Federal Credit Union: 4.07% APY (IRA 18 month)
- Municipal Credit Union: 4.07% APY (12 Month Share Certificate K New Money)
- SJP Federal Credit Union: 4.05% APY (60 months Certificate of Deposit)
- XCEL Federal Credit Union: 4.05% APY (12 Months Certificates / IRA Certificates)
Rates reflect recent verified offers available in Waterloo, New York. Last Updated: May 12, 2026
CD Calculators for Waterloo, New York
Waterloo, New York CD Calculator
At today’s NY top rate of 3.75% APY, a $10,000 deposit earns $375 in the first year. Enter your amount to see your exact return.
Waterloo, New York CD LadderNY CD rates currently range from 1.684% (3-month) to 1.973% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Waterloo, New York CD at 3.75% APY, know your exit cost. Most institutions charge 90–180 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 2.263% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Waterloo, New York directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Waterloo, 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: May 12, 2026
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