Yonkers, 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.
Yonkers, New York CD rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Yonkers, New York CD rates include Ridgewood Savings BankRidgewood Savings Bank670 Mclean Ave, Yonkers, NY 10704A5.0 ★Texas Ratio: 9.37%Real return: +0.89%APY minus CPIRate verified Oct 22, 2026 offering 2-Year Treasury Indexed CD at 4.59% APY, TD BankTD Bank1820 Central Park Ave, Yonkers, NY 10710A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering 24 Month TD Choice CD at 4.30% APY, Flagstar Bank, National AssociationFlagstar Bank, National Association1 Manor House Sq, Yonkers, NY 10701D3.3 ★Texas Ratio: 35.11%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering 12-Month Business CD at 4.30% APY, SUMA Federal Credit UnionSUMA Federal Credit Union125 Corporate Blvd, Yonkers, NY 10701A5.0 ★Texas Ratio: 12.06%Real return: +0.55%APY minus CPIRate verified Oct 23, 2026 offering 5-Year Share Certificate at 4.25% APY, and Municipal Credit UnionMunicipal Credit Union66 Main St, Yonkers, NY 10701A5.0 ★Texas Ratio: 8.74%Real return: +0.37%APY minus CPIRate verified Oct 19, 2026 offering 12-Month Certificate New Money Bonus Rate at 4.07% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Yonkers has 150 local institutions in our database, with CD rates as high as 4.59% APY from Ridgewood Savings Bank at 670 Mclean Ave, Yonkers, NY 10704. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New York area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Yonkers, New York & the Surrounding Area
Yonkers 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1900 Central Park Ave, Yonkers, NY 10710
3-Month Certificate of Deposit
$500
3.55%
▲ 1.47% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.47% above avgNationally 2.13%
Details
Earn 3.55% APY on balances of $500 or more; $500 minimum daily balance required to obtain advertised APY; Fund with as much as $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 8 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
3-Month Share Certificate
$1,000
3.35%
▲ 1.27% above New York avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.27% above avgNationally 2.13%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.26% → 3.35% ▲ 0.09 pts · high 3.35% / low 3.26%
- Sep 18, 20263.35%▲ from 3.26%
- Sep 14, 20263.26%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
3 Month TD Choice CD
$250
2.00%
▼ 0.08% below New York avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 0.08% below avgNationally 2.13%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
3 Month TD Choice CD
$250
1.99%
▼ 0.09% below New York avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 0.09% below avgNationally 2.13%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 3 Months
$500
1.64%
▼ 0.44% below New York avg
▼
Rate1.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▼ 0.44% below avgNationally 2.13%
Details
Rate History
No change since Oct 15, 2026 · 1.64% APY · checked 2 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
3 Month Term IRA & CD
$1,000
0.25%
▼ 1.83% below New York avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▼ 1.83% below avgNationally 2.13%
Details
Effective 4/1/2024; $1,000.00 minimum deposit required; A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 5 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
Term IRA & CD - 3 Months
$1,000
0.25%
▼ 1.83% below New York avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▼ 1.83% below avgNationally 2.13%
Details
Effective 4/1/2024; $1,000 minimum deposit required; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 2 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
3 Month Certificate of Deposit
$1,000
0.15%
▼ 1.93% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 1.93% below avgNationally 2.13%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.15% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 S Broadway, Yonkers, NY 10701
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 2.02% below New York avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▼ 2.02% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 S Broadway, Yonkers, NY 10701
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 2.03% below New York avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▼ 2.03% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
3 Month Certificate of Deposit / IRA
$1,000
0.05%
▼ 2.03% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 2.03% below avgNationally 2.13%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.05% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
3 Month Certificate of Deposit
$1,000
0.03%
▼ 2.05% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 2.05% below avgNationally 2.13%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.03% APY
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Private 3 Month CD
$0
0.02%
▼ 2.06% below New York avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 2.06% below avgNationally 2.13%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Personal CD - 3 Month
$0
0.01%
▼ 2.07% below New York avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▼ 2.07% below avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
3 Month Certificate
$2,500
4.50%
▲ 2.42% above New York avg
▼
Rate4.41%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.42% above avgNationally 2.13%
Details
Account code 35; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
1 change since Oct 13, 2026 · 2.35% → 4.50% ▲ 2.15 pts · high 4.50% / low 2.35%
- Oct 23, 20264.50%▲ from 2.35%
- Oct 13, 20262.35%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month CD
$0
4.30%
▲ 2.22% above New York avg
▼
Rate4.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 2.22% above avgNationally 2.13%
Details
Rate History
2 changes since Sep 24, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 14, 20264.30%▲ from 4.15%
- Oct 1, 20264.15%▲ from 3.95%
- Sep 24, 20263.95%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 3 Months
$0
4.23%
▲ 2.15% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.15% above avgNationally 2.13%
Details
Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.23% ▲ 0.31 pts · high 4.23% / low 3.92%
- Oct 23, 20264.23%▲ from 4.02%
- Oct 15, 20264.02%▲ from 3.92%
- Sep 14, 20263.92%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
3 Month Share Certificate
$0
4.20%
▲ 2.12% above New York avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details
Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
1 change since Sep 17, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 23, 20264.20%▲ from 4.05%
- Sep 17, 20264.05%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 3 Months
$0
4.20%
▲ 2.12% above New York avg
▼
Rate4.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 2.12% above avgNationally 2.13%
Details
Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
1 change since Sep 17, 2026 · 4.05% → 4.20% ▲ 0.15 pts · high 4.20% / low 4.05%
- Oct 23, 20264.20%▲ from 4.05%
- Sep 17, 20264.05%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 3 Months
$0
4.10%
▲ 2.02% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 2.02% above avgNationally 2.13%
Details
Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026
Rate History
No change since Oct 20, 2026 · 4.10% APY
Adirondack Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3-Month CD Special
$0
4.06%
▲ 1.98% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.98% above avgNationally 2.13%
Details
Compounded: Simple; Minimum opening deposit $500; maximum deposit $1,000,000; additional terms apply; available at any Adirondack Trust Company retail branch; IRA accounts are not subject to the minimum balance requirement
Rate History
1 change since Sep 24, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 14, 20264.06%▲ from 3.80%
- Sep 24, 20263.80%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 3 Months
$0
4.03%
▲ 1.95% above New York avg
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.95% above avgNationally 2.13%
Details
Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.03% ▲ 0.11 pts · high 4.03% / low 3.92%
- Oct 23, 20264.03%▲ from 4.02%
- Oct 15, 20264.02%▲ from 3.92%
- Sep 14, 20263.92%first recorded
GHS Federal Credit Union
Institution Rating:
C-3.6 ★Texas Ratio: 31.42%
Share Certificate - 3 Month
$0
4.00%
▲ 1.92% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.92% above avgNationally 2.13%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
Customers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
3-month CD
$0
3.85%
▲ 1.77% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.77% above avgNationally 2.13%
Details
No minimum to open. Minimum balance to earn stated APY is $500.00. APY is accurate as of 9/25/2026.
Rate History
No change since Oct 22, 2026 · 3.85% APY
Preferred Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
3-Month CD
$0
3.80%
▲ 1.72% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.72% above avgNationally 2.13%
Details
Rate History
No change since Sep 15, 2026 · 3.80% APY · checked 9 times
Cross River Bank
Institution Rating:
B4.5 ★Texas Ratio: 20.61%
Certificate of Deposit - Branch - 3 Month
$500
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Branch Only; Effective: 12/17/2025
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 3 Month
$0
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Balance: $500-$2,499.99; Tier 1; Effective Date: October 01, 2026
Rate History
No change since Oct 22, 2026 · 3.75% APY
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.19%
3 Month Certificates Of Deposit
$0
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 3-month
$1,000
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
New Millennium Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.44%
3 Month Certificate
$500
3.75%
▲ 1.67% above New York avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.67% above avgNationally 2.13%
Details
Fixed rate
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3 Months
$1,000
3.70%
▲ 1.62% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details
APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 months up to 6
$10,000
3.70%
▲ 1.62% above New York avg
▼
Rate3.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
Certificate of Deposit - 3 Month
$1,000
3.70%
▲ 1.62% above New York avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details
Minimum daily balance to earn interest: $1,000.00
Rate History
No change since Sep 11, 2026 · 3.70% APY · checked 6 times
Empire State Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.67%
IRA CD - 3 Month
$1,000
3.70%
▲ 1.62% above New York avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.08%▲ 1.62% above avgNationally 2.13%
Details
Minimum daily balance to earn interest: $1,000.00
Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 7 times
Habib American HAB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.54%
3 Month CD
$0
3.65%
▲ 1.57% above New York avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.57% above avgNationally 2.13%
Details
Compounded Daily; Minimum balance of $1,500 is required to earn the posted APY
Rate History
1 change since Sep 14, 2026 · 4.50% → 3.65% ▼ 0.85 pts · high 4.50% / low 3.65%
- Oct 7, 20263.65%▼ from 4.50%
- Sep 14, 20264.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 3 Month
$0
3.61%
▲ 1.53% above New York avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.53% above avgNationally 2.13%
Details
Minimum balance $500; Remarks: Credit Monthly
Rate History
No change since Oct 15, 2026 · 3.61% APY · checked 2 times
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 3 month
$0
3.60%
▲ 1.52% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.52% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 8 times
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
3 Month CD
$2,500
3.50%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details
High Yield Business CD; maximum deposit $250,000
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Patriot Bank N.A.
Institution Rating:
B-4.3 ★Texas Ratio: 23.69%
Star Relationship CD - 3 Month
$500
3.50%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.42% above avgNationally 2.13%
Details
Star Relationship CD
Rate History
No change since Sep 8, 2026 · 3.50% APY · checked 3 times
Hanover Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
3 Month CD
$500
3.40%
▲ 1.32% above New York avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.08%▲ 1.32% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 9 times
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 90 Day
$250
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Regular Certificate
$0
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Effective October 22 through October 28, 2026; Youth minimum balance: $50
Rate History
No change since Oct 23, 2026 · 3.25% APY
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
90 Day Youth Certificate
$50
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Effective October 22 through October 28, 2026; Youth minimum opening balance $50
Rate History
No change since Oct 23, 2026 · 3.25% APY
Visions Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Share Certificate - 3-Month
$500
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Fixed; Regular or IRA/HSA Share Certificate
Rate History
No change since Oct 13, 2026 · 3.25% APY · checked 4 times
Alternatives Federal Credit Union
Institution Rating:
C3.8 ★Texas Ratio: 29.04%
Certificate Shares - 3 months
$0
3.25%
▲ 1.17% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Penalty for early withdrawal applies
Rate History
1 change since Sep 14, 2026 · 3.04% → 3.25% ▲ 0.21 pts · high 3.25% / low 3.04%
- Oct 23, 20263.25%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$100,000
3.25%
▲ 1.17% above New York avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 1.17% above avgNationally 2.13%
Details
Certificates with $100,000 minimum to open and earn APY
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Southern Chautauqua Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.07%
Traditional IRA 3 Months
$0
3.23%
▲ 1.15% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.15% above avgNationally 2.13%
Details
Rate Effective Date: 10/19/2026; Penalty for early withdrawal applies
Rate History
No change since Oct 23, 2026 · 3.23% APY
Great Erie Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Month Share Certificate Account
$0
3.19%
▲ 1.11% above New York avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.08%▲ 1.11% above avgNationally 2.13%
Details
Balance: $1,000 - >$50,000
Rate History
No change since Oct 22, 2026 · 3.19% APY · checked 2 times
Beginnings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
3 Month Certificate
$25,000
3.10%
▲ 1.02% above New York avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.08%▲ 1.02% above avgNationally 2.13%
Details
Certificates with $25,000 minimum to open and earn APY
Rate History
1 change since Oct 14, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
- Oct 19, 20263.10%▲ from 3.00%
- Oct 14, 20263.00%first recorded
Alma Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.29%
3 Month CD
$0
3.05%
▲ 0.97% above New York avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.08%▲ 0.97% above avgNationally 2.13%
Details
Rate History
No change since Oct 22, 2026 · 3.05% APY
Yonkers 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1 Manor House Sq, Yonkers, NY 10701
6-Month Business CD
$2,500
4.10%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.78%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1 Manor House Sq, Yonkers, NY 10701
6-Month CD
$2,500
4.10%
▲ 1.28% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.28% above avgNationally 2.78%
Details
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
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
6-Month Share Certificate
$1,000
4.00%
▲ 1.18% above New York avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.18% above avgNationally 2.78%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.00% ▲ 0.13 pts · high 4.00% / low 3.87%
- Sep 18, 20264.00%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 6 Months
$500
3.76%
▲ 0.94% above New York avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 0.94% above avgNationally 2.78%
Details
Rate History
No change since Oct 15, 2026 · 3.76% APY · checked 2 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1900 Central Park Ave, Yonkers, NY 10710
6-Month Certificate of Deposit
$500
3.50%
▲ 0.68% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.68% above avgNationally 2.78%
Details
Earn 3.50% APY on balances of $500 or more; Account matures in 6 months; Fund up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 6 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1900 Central Park Ave, Yonkers, NY 10710
6-Month Fixed Rate CD
$0
3.50%
▲ 0.68% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 0.68% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
66 Main St, Yonkers, NY 10701
6-month IRA Share Certificate
$0
3.30%
▲ 0.48% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 0.48% above avgNationally 2.78%
Details
Fixed Rate IRA; APY footnote (*APY)
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 9 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
6 Month Certificate of Deposit - True Advantage Plus Bonus
$1,000
2.81%
▼ 0.01% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.01% below avgNationally 2.78%
Details
True Advantage ,& True Advantage Plus Bonus APY column; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 2.81% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
6 Month Certificate of Deposit - True Advantage Bonus
$1,000
2.76%
▼ 0.06% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.06% below avgNationally 2.78%
Details
True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 2.76% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
6 Month Certificate of Deposit / IRA - True Advantage Plus Bonus
$1,000
2.76%
▼ 0.06% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.06% below avgNationally 2.78%
Details
Bonus APY for True Advantage and True Advantage Plus clients; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 2.76% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
6 Month Certificate of Deposit
$1,000
2.60%
▼ 0.22% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.22% below avgNationally 2.78%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 2.60% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
6 Month Certificate of Deposit / IRA
$1,000
2.55%
▼ 0.27% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.27% below avgNationally 2.78%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 2.55% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
6 Month TD Choice CD
$250
2.00%
▼ 0.82% below New York avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.82% below avgNationally 2.78%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
6 Month TD Choice CD
$250
1.99%
▼ 0.83% below New York avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 0.83% below avgNationally 2.78%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1969 Central Park Ave, Yonkers, NY 10710
6 Month CD
$2,500
1.51%
▼ 1.31% below New York avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▼ 1.31% below avgNationally 2.78%
Details
APY effective as of December 11, 2025
Rate History
No change since Sep 8, 2026 · 1.51% APY · checked 9 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
6 Month Term IRA & CD
$1,000
0.50%
▼ 2.32% below New York avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▼ 2.32% below avgNationally 2.78%
Details
Effective 4/1/2024; $1,000.00 minimum deposit required; A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 5 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
Term IRA & CD - 6 Months
$1,000
0.50%
▼ 2.32% below New York avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▼ 2.32% below avgNationally 2.78%
Details
Effective 4/1/2024; $1,000 minimum deposit required; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 S Broadway, Yonkers, NY 10701
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 2.76% below New York avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▼ 2.76% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
6 Month TD No Catch CD
$0
0.05%
▼ 2.77% below New York avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 2.77% below avgNationally 2.78%
Details
6 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 S Broadway, Yonkers, NY 10701
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 2.77% below New York avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▼ 2.77% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Private 6 Month CD
$0
0.02%
▼ 2.80% below New York avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 2.80% below avgNationally 2.78%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Personal CD - 6 Month
$0
0.01%
▼ 2.81% below New York avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▼ 2.81% below avgNationally 2.78%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
6 Month Youth Share Certificate
$0
6.00%
▲ 3.18% above New York avg
▼
Rate5.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 3.18% above avgNationally 2.78%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 6.00% APY · checked 5 times
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 6 Months
$0
5.00%
▲ 2.18% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.78%
Details
Tier 1; Balance: $500-$2,499.99; Effective Date: October 01, 2026
Rate History
No change since Oct 22, 2026 · 5.00% APY
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
6-month TSC
$1,000
5.00%
▲ 2.18% above New York avg
▼
Rate4.89%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 2.18% above avgNationally 2.78%
Details
Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
- Oct 12, 20265.00%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.86%
▲ 2.04% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 2.04% above avgNationally 2.78%
Details
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.86% ▲ 1.01 pts · high 4.86% / low 3.85%
- Oct 15, 20264.86%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.75%
▲ 1.93% above New York avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.93% above avgNationally 2.78%
Details
Rate History
3 changes since Sep 14, 2026 · 3.85% → 4.75% ▲ 0.90 pts · high 4.86% / low 3.85%
- Oct 23, 20264.75%▼ from 4.86%
- Oct 15, 20264.86%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
Crouse Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Certificate - 6 Months
$0
4.60%
▲ 1.78% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.78% above avgNationally 2.78%
Details
Rate History
2 changes since Sep 14, 2026 · 3.85% → 4.60% ▲ 0.75 pts · high 4.60% / low 3.85%
- Oct 15, 20264.60%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.85%
- Sep 14, 20263.85%first recorded
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Jumbo Certificate
$0
4.50%
▲ 1.68% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details
Effective October 22 through October 28, 2026
Rate History
1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
- Oct 23, 20264.50%▲ from 4.25%
- Oct 4, 20264.25%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
6 Month Certificate
$1,000
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details
Account code 34; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 6 Month
$500
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details
Interest paid monthly; Share code 89
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate 6 Month
$0
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details
Interest paid monthly; minimum $50,000
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificate - 6 Month
$500
4.50%
▲ 1.68% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.68% above avgNationally 2.78%
Details
Share code 69; Int. Monthly
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 3 times
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Month CD
$0
4.40%
▲ 1.58% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details
CD Rates; APY (Annual Percentage Yield)
Rate History
No change since Oct 20, 2026 · 4.40% APY · checked 2 times
TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.14%
6 Months CD
$0
4.40%
▲ 1.58% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details
Certificates of Deposit Specials
Rate History
2 changes since Sep 24, 2026 · 3.40% → 4.40% ▲ 1.00 pts · high 4.40% / low 3.40%
- Oct 20, 20264.40%▲ from 4.15%
- Oct 14, 20264.15%▲ from 3.40%
- Sep 24, 20263.40%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
6 Month Certificate of Deposit
$1,000
4.40%
▲ 1.58% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.15% → 4.40% ▲ 0.25 pts · high 4.40% / low 4.15%
- Oct 12, 20264.40%▲ from 4.15%
- Sep 25, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
6-Month Certificate
$100
4.40%
▲ 1.58% above New York avg
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details
Dividend rate 4.31%; Minimum balance to open and earn APY: $100
Rate History
1 change since Sep 14, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 5, 20264.40%▲ from 4.30%
- Sep 14, 20264.30%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 6 MONTH TERM ACCOUNT
$100
4.40%
▲ 1.58% above New York avg
▼
Rate4.31%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.58% above avgNationally 2.78%
Details
Certificate Accounts; 6-Month Term/IRA Term; Minimum Balance is required to open the account and to obtain the APY shown
Rate History
No change since Oct 15, 2026 · 4.40% APY · checked 2 times
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
6 Month Share Certificate
$0
4.35%
▲ 1.53% above New York avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details
Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
1 change since Sep 17, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
- Oct 23, 20264.35%▲ from 4.10%
- Sep 17, 20264.10%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 6 Months
$0
4.35%
▲ 1.53% above New York avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details
Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
1 change since Sep 17, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 4.10%
- Oct 23, 20264.35%▲ from 4.10%
- Sep 17, 20264.10%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month CD
$0
4.35%
▲ 1.53% above New York avg
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.53% above avgNationally 2.78%
Details
Rate History
2 changes since Sep 24, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
- Oct 6, 20264.35%▲ from 4.25%
- Oct 1, 20264.25%▲ from 4.15%
- Sep 24, 20264.15%first recorded
Newtek Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
6 Month CD
$2,500
4.30%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.48% above avgNationally 2.78%
Details
High Yield Business CD; maximum deposit $250,000
Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.30%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Canandaigua National Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.08%
6 Month CNSaver Online CD
$1,000
4.25%
▲ 1.43% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details
Minimum to open is $1,000; Must be opened online; Online Only; Auto Renewal Term: 6-month CNSaver Online CD; Rates are valid as of 10/14/2026
Rate History
No change since Oct 22, 2026 · 4.25% APY
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Regular Certificate
$0
4.25%
▲ 1.43% above New York avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details
Effective October 22 through October 28, 2026; Youth minimum balance: $50
Rate History
No change since Oct 23, 2026 · 4.25% APY
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
6 Month Youth Certificate
$50
4.25%
▲ 1.43% above New York avg
▼
Rate4.16%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details
Effective October 22 through October 28, 2026; Youth minimum opening balance $50
Rate History
No change since Oct 23, 2026 · 4.25% APY
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
6 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.43% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
6 Month Share Certificate
$0
4.25%
▲ 1.43% above New York avg
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details
6 Month ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Certificate
$500
4.25%
▲ 1.43% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details
Share Certificate; 4.25% APY based on 6 month certificate; must maintain $500 minimum balance to earn advertised rate; auto-renews at maturity; rate accurate as of August 3, 2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
Sunmark Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.47%
6 Month Commercial Share Certificate
$500
4.25%
▲ 1.43% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.82%▲ 1.43% above avgNationally 2.78%
Details
Additional Deposits Permitted
Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 6 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.23%
▲ 1.41% above New York avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.82%▲ 1.41% above avgNationally 2.78%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
- Oct 20, 20264.23%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Yonkers 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1 Manor House Sq, Yonkers, NY 10701
12-Month Business CD
$500
4.30%
▲ 1.25% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.30% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1 Manor House Sq, Yonkers, NY 10701
12-Month CD
$500
4.30%
▲ 1.25% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.25% above avgNationally 2.99%
Details
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
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
12 Month TD Choice CD
$250
4.15%
▲ 1.10% above New York avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.10% above avgNationally 2.99%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
12 Month TD Choice CD
$250
4.14%
▲ 1.09% above New York avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▲ 1.09% above avgNationally 2.99%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
1-Year Share Certificate
$1,000
4.10%
▲ 1.05% above New York avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.05% above avgNationally 2.99%
Details
Penalty for early withdrawal: 3 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Sep 18, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
66 Main St, Yonkers, NY 10701
12-Month Certificate New Money Bonus Rate
$5,000
4.07%
▲ 1.02% above New York avg
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 1.02% above avgNationally 2.99%
Details
$5K; Requires at least $5,000 of New Money deposited at opening or renewal; 0.50 percentage-point dividend increase if eligibility requirements are met; early withdrawal penalty: 180 Days Dividends
Rate History
No change since Oct 19, 2026 · 4.07% APY
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
66 Main St, Yonkers, NY 10701
12-month IRA Share Certificate
$0
3.56%
▲ 0.51% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 0.51% above avgNationally 2.99%
Details
Fixed Rate IRA; APY footnote (*APY)
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 9 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1900 Central Park Ave, Yonkers, NY 10710
12-Month Fixed Rate CD
$0
3.50%
▲ 0.45% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.45% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
449 S Broadway, Yonkers, NY 10705
1 Year Online CD
$0
3.25%
▲ 0.20% above New York avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▲ 0.20% above avgNationally 2.99%
Details
Interest rate 3.20%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
12 Month Term IRA & CD
$1,000
2.60%
▼ 0.45% below New York avg
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.45% below avgNationally 2.99%
Details
Effective 4/1/2024; $1,000.00 minimum deposit required; A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 2.60% APY · checked 5 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
Term IRA & CD - 12 Months
$1,000
2.60%
▼ 0.45% below New York avg
▼
Rate2.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.45% below avgNationally 2.99%
Details
Effective 4/1/2024; $1,000 minimum deposit required; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 2 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 12 Month Young Adult Building
$500
2.24%
▼ 0.81% below New York avg
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.81% below avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 2 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 12 Month Youth
$500
2.24%
▼ 0.81% below New York avg
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 0.81% below avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 2 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 1 Year
$500
1.99%
▼ 1.06% below New York avg
▼
Rate1.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.06% below avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 1.99% APY · checked 2 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - Building 1 Year
$500
1.99%
▼ 1.06% below New York avg
▼
Rate1.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.06% below avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 1.99% APY · checked 2 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - Education 1 Year
$500
1.99%
▼ 1.06% below New York avg
▼
Rate1.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▼ 1.06% below avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 1.99% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 S Broadway, Yonkers, NY 10701
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.54% below New York avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▼ 1.54% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
12 S Broadway, Yonkers, NY 10701
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.55% below New York avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▼ 1.55% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1969 Central Park Ave, Yonkers, NY 10710
12 Month CD
$2,500
0.55%
▼ 2.50% below New York avg
▼
Rate0.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average3.05%▼ 2.50% below avgNationally 2.99%
Details
APY effective as of December 11, 2025
Rate History
No change since Sep 8, 2026 · 0.55% APY · checked 9 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
12 Month Certificate of Deposit - True Advantage Plus Bonus
$1,000
0.40%
▼ 2.65% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 2.65% below avgNationally 2.99%
Details
True Advantage ,& True Advantage Plus Bonus APY column; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.40% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
12 Month Certificate of Deposit - True Advantage Bonus
$1,000
0.32%
▼ 2.73% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 2.73% below avgNationally 2.99%
Details
True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.32% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
12 Month Certificate of Deposit - True Advantage Bonus
$0
0.25%
▼ 2.80% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 2.80% below avgNationally 2.99%
Details
True Advantage & True Advantage Plus Bonus APY; CD/IRA Bonus of 0.20% for True Advantage and True Advantage Plus Clients; A Tompkins Consumer Checking account is required to receive the advertised rate
Rate History
No change since Oct 22, 2026 · 0.25% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
12 Month Certificate of Deposit / IRA - True Advantage Plus Bonus
$1,000
0.25%
▼ 2.80% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 2.80% below avgNationally 2.99%
Details
Bonus APY for True Advantage and True Advantage Plus clients; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.25% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
12 Month Certificate of Deposit
$1,000
0.20%
▼ 2.85% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 2.85% below avgNationally 2.99%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.20% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
12 Month Certificate of Deposit / IRA
$1,000
0.15%
▼ 2.90% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 2.90% below avgNationally 2.99%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.15% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
12 Month Certificate of Deposit
$1,000
0.12%
▼ 2.93% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 2.93% below avgNationally 2.99%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.12% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
12 Month TD IRA Add-Vantage CD
$0
0.05%
▼ 3.00% below New York avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 3.00% below avgNationally 2.99%
Details
12 Month TD IRA Add-Vantage CD; IRA certificate
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
12 Month TD No Catch CD
$0
0.05%
▼ 3.00% below New York avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 3.00% below avgNationally 2.99%
Details
12 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
12 Month Certificate of Deposit
$0
0.05%
▼ 3.00% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 3.00% below avgNationally 2.99%
Details
Certificate of Deposit / IRA table; IRA terms 12 months and greater available
Rate History
No change since Oct 22, 2026 · 0.05% APY
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Private 12 Month CD
$0
0.02%
▼ 3.03% below New York avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 3.03% below avgNationally 2.99%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Personal CD - 12 Month
$0
0.01%
▼ 3.04% below New York avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average3.05%▼ 3.04% below avgNationally 2.99%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
1 Year Youth Share Certificate
$0
5.50%
▲ 2.45% above New York avg
▼
Rate5.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 2.45% above avgNationally 2.99%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.50% APY · checked 5 times
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
12 Month Jumbo Certificate
$0
4.60%
▲ 1.55% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.55% above avgNationally 2.99%
Details
Effective October 22 through October 28, 2026
Rate History
1 change since Oct 4, 2026 · 4.50% → 4.60% ▲ 0.10 pts · high 4.60% / low 4.50%
- Oct 23, 20264.60%▲ from 4.50%
- Oct 4, 20264.50%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month CD
$0
4.60%
▲ 1.55% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average3.05%▲ 1.55% above avgNationally 2.99%
Details
Rate History
3 changes since Sep 24, 2026 · 4.25% → 4.60% ▲ 0.35 pts · high 4.60% / low 4.25%
- Oct 19, 20264.60%▲ from 4.50%
- Oct 6, 20264.50%▲ from 4.40%
- Oct 1, 20264.40%▲ from 4.25%
- Sep 24, 20264.25%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year Certificate
$500
4.58%
▲ 1.53% above New York avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.53% above avgNationally 2.99%
Details
Early withdrawal penalty: 120 days simple interest for one year
Rate History
No change since Oct 5, 2026 · 4.58% APY · checked 4 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
12 Month Certificate of Deposit
$0
4.55%
▲ 1.50% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.75% → 4.55% ▼ 0.20 pts · high 4.75% / low 4.55%
- Oct 22, 20264.55%▼ from 4.75%
- Oct 8, 20264.75%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Bank CD - 12 Months
$0
4.55%
▲ 1.50% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
Details
Fixed APY; daily compounding; offered by Morgan Stanley Private Bank, National Association; Featured yields as of 10/22/2026
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 12 Months
$0
4.55%
▲ 1.50% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.50% above avgNationally 2.99%
Details
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth Conversion IRA TSC
$1,000
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Roth Conversion IRA certificate; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year Roth IRA TSC
$1,000
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Roth IRA; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
1-year TSC
$1,000
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Traditional IRA 1-year TSC
$1,000
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Rate History
No change since Oct 23, 2026 · 4.50% APY
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
12 Month Share Certificate
$0
4.50%
▲ 1.45% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
1 change since Sep 17, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Sep 17, 20264.00%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
IRA & ESA Certificate 12 Months
$0
4.50%
▲ 1.45% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Traditional & Roth IRA minimum balance $1,000. Coverdell ESA minimum balance $500. Penalty may apply for early withdrawal. Rates effective as of 10/16/26.
Rate History
1 change since Oct 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 12, 20264.00%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 12 Months
$0
4.50%
▲ 1.45% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
1 change since Sep 17, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Sep 17, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
12 Month Certificate
$1,000
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Account code 32; Interest compounded monthly (Int. Monthly); Certificate Rates
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
IRA Share Certificates - 12 Month
$500
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Interest paid monthly; Share code 83
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
Jumbo Certificate 12 Month
$0
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Interest paid monthly; minimum $50,000
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
SECNY Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.03%
ROTH IRA Share Certificate - 12 Month
$500
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Share code 63; Int. Monthly
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 23, 20264.50%▲ from 4.00%
- Oct 13, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
12-Month Certificate
$100
4.50%
▲ 1.45% above New York avg
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average3.05%▲ 1.45% above avgNationally 2.99%
Details
Dividend rate 4.41%; Minimum balance to open and earn APY: $100
Rate History
1 change since Sep 14, 2026 · 4.35% → 4.50% ▲ 0.15 pts · high 4.50% / low 4.35%
- Oct 5, 20264.50%▲ from 4.35%
- Sep 14, 20264.35%first recorded
Yonkers 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
18 Month TD Choice CD
$250
4.25%
▲ 1.32% above New York avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1 Manor House Sq, Yonkers, NY 10701
18-Month CD
$500
4.25%
▲ 1.32% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
18 Month TD Choice CD
$250
4.24%
▲ 1.31% above New York avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.31% above avgNationally 2.88%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Private 18 Month CD
$0
4.00%
▲ 1.07% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details
Limited time offer; Balance: $500+; Open to existing or new Private Checking account holders
Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 2, 20264.00%▲ from 0.02%
- Sep 9, 20260.02%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
18-Month CD
$500
3.75%
▲ 0.82% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.82% above avgNationally 2.88%
Details
Limited Time CD Offer; Promotional APY; Open with as little as $500; Enjoy the security of a locked in rate; Earn guaranteed returns
Rate History
1 change since Sep 24, 2026 · 0.01% → 3.75% ▲ 3.74 pts · high 3.75% / low 0.01%
- Oct 2, 20263.75%▲ from 0.01%
- Sep 24, 20260.01%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Personal CD - 18 Month
$0
3.75%
▲ 0.82% above New York avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 0.82% above avgNationally 2.88%
Details
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
66 Main St, Yonkers, NY 10701
18-Month IRA Certificate
$0
3.30%
▲ 0.37% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 0.37% above avgNationally 2.88%
Details
Earn up to 3.30% APY when you open an 18-month IRA Share Certificate; variable rate account, rate may change after the account is opened; penalty may be imposed for early withdrawals
Rate History
No change since Oct 9, 2026 · 3.30% APY · checked 4 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
18 Month Certificate of Deposit - True Advantage Plus Bonus
$1,000
0.45%
▼ 2.48% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.48% below avgNationally 2.88%
Details
True Advantage ,& True Advantage Plus Bonus APY column; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.45% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
18 Month Certificate of Deposit / IRA - True Advantage Plus Bonus
$1,000
0.37%
▼ 2.56% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.56% below avgNationally 2.88%
Details
Bonus APY for True Advantage and True Advantage Plus clients; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.37% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
18 Month Certificate of Deposit - True Advantage Bonus
$1,000
0.35%
▼ 2.58% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.58% below avgNationally 2.88%
Details
True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.35% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
18 Month Certificate of Deposit
$1,000
0.25%
▼ 2.68% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.68% below avgNationally 2.88%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.25% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
18 Month Certificate of Deposit - True Advantage Bonus
$0
0.20%
▼ 2.73% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.73% below avgNationally 2.88%
Details
True Advantage & True Advantage Plus Bonus APY; CD/IRA Bonus of 0.20% for True Advantage and True Advantage Plus Clients; A Tompkins Consumer Checking account is required to receive the advertised rate
Rate History
No change since Oct 22, 2026 · 0.20% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
18 Month Certificate of Deposit / IRA
$1,000
0.17%
▼ 2.76% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.76% below avgNationally 2.88%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.17% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
18 Month Certificate of Deposit
$1,000
0.15%
▼ 2.78% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.78% below avgNationally 2.88%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.15% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
18 Month Certificate of Deposit
$0
0.10%
▼ 2.83% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▼ 2.83% below avgNationally 2.88%
Details
Certificate of Deposit / IRA table
Rate History
No change since Oct 22, 2026 · 0.10% APY
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month CD
$0
4.75%
▲ 1.82% above New York avg
▼
Rate4.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 1.82% above avgNationally 2.88%
Details
Rate History
3 changes since Sep 24, 2026 · 4.35% → 4.75% ▲ 0.40 pts · high 4.75% / low 4.35%
- Oct 19, 20264.75%▲ from 4.65%
- Oct 6, 20264.65%▲ from 4.55%
- Oct 1, 20264.55%▲ from 4.35%
- Sep 24, 20264.35%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
18 Month Certificate of Deposit
$0
4.55%
▲ 1.62% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.40% → 4.55% ▲ 0.15 pts · high 4.55% / low 4.40%
- Oct 22, 20264.55%▲ from 4.40%
- Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Bank CD - 18 Months
$0
4.55%
▲ 1.62% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
Details
Fixed APY; daily compounding; offered by Morgan Stanley Private Bank, National Association; Featured yields as of 10/22/2026
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 18 Months
$0
4.55%
▲ 1.62% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.62% above avgNationally 2.88%
Details
Rate History
No change since Oct 22, 2026 · 4.55% APY · checked 2 times
Empower Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
Share Certificate - 18 Month
$0
4.50%
▲ 1.57% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details
Balance: $500-$2,499.99 - Tier 1
Rate History
No change since Oct 22, 2026 · 4.50% APY
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month Roth IRA TSC
$1,000
4.50%
▲ 1.57% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details
Roth IRA; Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18-month TSC
$1,000
4.50%
▲ 1.57% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details
Minimum opening deposit is $1,000; penalties may be imposed for early withdrawal
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 12, 20264.50%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Syracuse Fire Department Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Traditional IRA 18-month TSC
$1,000
4.50%
▲ 1.57% above New York avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details
Rate History
No change since Oct 23, 2026 · 4.50% APY
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
18 Month Share Certificate
$0
4.50%
▲ 1.57% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details
Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
1 change since Sep 17, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
- Oct 23, 20264.50%▲ from 3.90%
- Sep 17, 20263.90%first recorded
Salt City Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Share Certificate - 18 Months
$0
4.50%
▲ 1.57% above New York avg
▼
Rate4.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.57% above avgNationally 2.88%
Details
Rates effective as of 10/16/26; Minimum balance $1,000; Penalty may apply for early withdrawal
Rate History
1 change since Sep 17, 2026 · 3.90% → 4.50% ▲ 0.60 pts · high 4.50% / low 3.90%
- Oct 23, 20264.50%▲ from 3.90%
- Sep 17, 20263.90%first recorded
Cross County Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.84%
18 Month Variable Rate IRA
$100
4.46%
▲ 1.53% above New York avg
▼
Rate4.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.53% above avgNationally 2.88%
Details
Variable rate: rate and APY adjusted per the 1 Year Treasury Constant Maturities as published by the Federal Reserve; IRA only
Rate History
1 change since Sep 19, 2026 · 4.15% → 4.46% ▲ 0.31 pts · high 4.46% / low 4.15%
- Oct 7, 20264.46%▲ from 4.15%
- Sep 19, 20264.15%first recorded
Lake Shore Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
18-Month CD
$500
4.44%
▲ 1.51% above New York avg
▼
Rate4.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.51% above avgNationally 2.88%
Details
New money only; financial institutions ineligible
Rate History
No change since Oct 14, 2026 · 4.44% APY · checked 3 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
18 Month High-Yield CD
$500
4.40%
▲ 1.47% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.47% above avgNationally 2.88%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 1 1/2 Years (18 Months)
$250
4.40%
▲ 1.47% above New York avg
▼
Rate4.31%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.47% above avgNationally 2.88%
Details
Term: 1 1/2 Years (18 Months)
Rate History
No change since Oct 22, 2026 · 4.40% APY
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.37%
▲ 1.44% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.44% above avgNationally 2.88%
Details
Balance: $100,000.00 and over
Rate History
2 changes since Sep 8, 2026 · 4.06% → 4.37% ▲ 0.31 pts · high 4.37% / low 4.06%
- Oct 2, 20264.37%▲ from 4.22%
- Sep 18, 20264.22%▲ from 4.06%
- Sep 8, 20264.06%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
18 Month Certificate of Deposit
$500
4.35%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
Details
In-Branch; APY effective as of 10/20/2026
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 22, 20264.35%▲ from 3.90%
- Sep 20, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Certificate of Deposit - 18 Months
$500
4.35%
▲ 1.42% above New York avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
Details
In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.35% ▲ 0.45 pts · high 4.35% / low 3.90%
- Oct 22, 20264.35%▲ from 3.90%
- Sep 14, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 18 Months
$500
4.35%
▲ 1.42% above New York avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.93%▲ 1.42% above avgNationally 2.88%
Details
Available: Online
Rate History
No change since Oct 22, 2026 · 4.35% APY
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.32%
▲ 1.39% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.39% above avgNationally 2.88%
Details
Balance: $50,000.00
Rate History
3 changes since Sep 8, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 2, 20264.32%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 18, 20264.16%▲ from 4.06%
- Sep 8, 20264.06%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 18 Months
$0
4.30%
▲ 1.37% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.37% above avgNationally 2.88%
Details
Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026
Rate History
No change since Oct 20, 2026 · 4.30% APY
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18-Month CD - Promo
$0
4.30%
▲ 1.37% above New York avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.93%▲ 1.37% above avgNationally 2.88%
Details
Promotional product; can be discontinued at any time
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 18 Months
$50
4.25%
▲ 1.32% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.32% above avgNationally 2.88%
Details
Rates effective as of 10/07/26
Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 18 Month
$0
4.18%
▲ 1.25% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.25% above avgNationally 2.88%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.18% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 18 Months
$0
4.16%
▲ 1.23% above New York avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.23% above avgNationally 2.88%
Details
Balance: $25,000.00
Rate History
1 change since Sep 8, 2026 · 4.01% → 4.16% ▲ 0.15 pts · high 4.16% / low 4.01%
- Sep 24, 20264.16%▲ from 4.01%
- Sep 8, 20264.01%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.22% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
18 Month CD Special with Active Account
$0
4.15%
▲ 1.22% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details
Balance: $100,000 and over; Special with Active Account
Rate History
No change since Sep 8, 2026 · 4.15% APY · checked 11 times
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Trailblazer - 18 Months
$0
4.15%
▲ 1.22% above New York avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.22% above avgNationally 2.88%
Details
Effective Date: 08/01/2025
Rate History
No change since Oct 12, 2026 · 4.15% APY · checked 2 times
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
18 Month Certificate
$500
4.13%
▲ 1.20% above New York avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.20% above avgNationally 2.88%
Details
Early Withdrawal Penalty: 3 month interest
Rate History
1 change since Oct 15, 2026 · 4.08% → 4.13% ▲ 0.05 pts · high 4.13% / low 4.08%
- Oct 23, 20264.13%▲ from 4.08%
- Oct 15, 20264.08%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.17% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
St Pius X Church Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.58%
Share Certificate 18 Month Jumbo
$0
4.10%
▲ 1.17% above New York avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.60% → 4.10% ▲ 0.50 pts · high 4.10% / low 3.60%
- 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 Regular Certificate
$0
4.10%
▲ 1.17% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.93%▲ 1.17% above avgNationally 2.88%
Details
REGULAR Minimum Balance: $1000
Rate History
No change since Oct 19, 2026 · 4.10% APY
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
18-Month Certificate IRA
$1,000
4.07%
▲ 1.14% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.14% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 10 times
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
18 Month Traditional Share Certificate
$1,000
4.07%
▲ 1.14% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.93%▲ 1.14% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 5, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Pathfinder Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.30%
18 Month CD Special with Active Account
$0
4.05%
▲ 1.12% above New York avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.12% above avgNationally 2.88%
Details
Balance: $1,000 to $99,999; Special with Active Account
Rate History
No change since Sep 8, 2026 · 4.05% APY · checked 11 times
Jovia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.47%
18 Month Certificates
$100
4.00%
▲ 1.07% above New York avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.93%▲ 1.07% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Yonkers 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ridgewood Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.37%
670 Mclean Ave, Yonkers, NY 10704
2-Year Treasury Indexed CD
$0
4.59%
▲ 1.67% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.67% above avgNationally 2.90%
Details
TOP THE TREASURY; variable yield account with no cap; risk-free
Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
24 Month TD Choice CD
$250
4.30%
▲ 1.38% above New York avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.38% above avgNationally 2.90%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
24 Month TD Choice CD
$250
4.29%
▲ 1.37% above New York avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.37% above avgNationally 2.90%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
1 Manor House Sq, Yonkers, NY 10701
24-Month CD
$500
4.25%
▲ 1.33% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details
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
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
2-Year Share Certificate
$1,000
4.10%
▲ 1.18% above New York avg
▼
Rate4.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.18% above avgNationally 2.90%
Details
Penalty for early withdrawal: 6 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.93% → 4.10% ▲ 0.17 pts · high 4.10% / low 3.93%
- Oct 15, 20264.10%▲ from 3.93%
- Sep 14, 20263.93%first recorded
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
66 Main St, Yonkers, NY 10701
24-Month Certificate
$500
3.56%
▲ 0.64% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 0.64% above avgNationally 2.90%
Details
Early withdrawal penalty: 180 Days Dividends
Rate History
No change since Oct 9, 2026 · 3.56% APY · checked 4 times
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
66 Main St, Yonkers, NY 10701
24-month IRA Share Certificate
$0
3.56%
▲ 0.64% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 0.64% above avgNationally 2.90%
Details
Fixed Rate IRA; APY footnote (*APY)
Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 9 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1900 Central Park Ave, Yonkers, NY 10710
24-Month Fixed Rate CD
$0
3.25%
▲ 0.33% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.33% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 4 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
449 S Broadway, Yonkers, NY 10705
2 Year Online CD
$0
3.00%
▲ 0.08% above New York avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 0.08% above avgNationally 2.90%
Details
Interest rate 2.96%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
24 Month Term IRA & CD
$1,000
2.75%
▼ 0.17% below New York avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 0.17% below avgNationally 2.90%
Details
Effective 4/1/2024; $1,000.00 minimum deposit required; A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 2.75% APY · checked 5 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
Term IRA & CD - 24 Months
$1,000
2.75%
▼ 0.17% below New York avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 0.17% below avgNationally 2.90%
Details
Effective 4/1/2024; $1,000 minimum deposit required; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 2 Year
$500
2.53%
▼ 0.39% below New York avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▼ 0.39% below avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 2.53% APY · checked 2 times
Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1969 Central Park Ave, Yonkers, NY 10710
24 Month CD
$2,500
0.60%
▼ 2.32% below New York avg
▼
Rate0.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▼ 2.32% below avgNationally 2.90%
Details
APY effective as of December 11, 2025
Rate History
No change since Sep 8, 2026 · 0.60% APY · checked 9 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
24 Month Certificate of Deposit - True Advantage Plus Bonus
$1,000
0.55%
▼ 2.37% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.37% below avgNationally 2.90%
Details
True Advantage ,& True Advantage Plus Bonus APY column; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.55% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
24 Month Certificate of Deposit - True Advantage Bonus
$1,000
0.40%
▼ 2.52% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.52% below avgNationally 2.90%
Details
True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.40% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
24 Month Certificate of Deposit / IRA - True Advantage Plus Bonus
$1,000
0.38%
▼ 2.54% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.54% below avgNationally 2.90%
Details
Bonus APY for True Advantage and True Advantage Plus clients; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.38% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
24 Month Certificate of Deposit
$1,000
0.35%
▼ 2.57% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.57% below avgNationally 2.90%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.35% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
24 Month Certificate of Deposit
$1,000
0.20%
▼ 2.72% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.72% below avgNationally 2.90%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.20% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
24 Month Certificate of Deposit / IRA
$1,000
0.18%
▼ 2.74% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.74% below avgNationally 2.90%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.18% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
24 Month Certificate of Deposit
$0
0.15%
▼ 2.77% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.77% below avgNationally 2.90%
Details
Certificate of Deposit / IRA table
Rate History
No change since Oct 22, 2026 · 0.15% APY
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Private 2 Year CD
$0
0.02%
▼ 2.90% below New York avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.90% below avgNationally 2.90%
Details
Balance: $500+; Private Checking account holders
Rate History
No change since Sep 9, 2026 · 0.02% APY · checked 3 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
61 S Broadway, Yonkers, NY 10701
Personal CD - 2 Year
$0
0.01%
▼ 2.91% below New York avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▼ 2.91% below avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 2 times
Cornerstone Community Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.18%
2 Year Youth Share Certificate
$0
5.00%
▲ 2.08% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 2.08% above avgNationally 2.90%
Details
Balance: $50 - $5,000; Effective as of June 15, 2026
Rate History
No change since Oct 5, 2026 · 5.00% APY · checked 5 times
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
24 Month Certificate of Deposit
$0
4.80%
▲ 1.88% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
- Oct 22, 20264.80%▲ from 4.40%
- Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 24 Months
$0
4.80%
▲ 1.88% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details
Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month CD
$0
4.80%
▲ 1.88% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.88% above avgNationally 2.90%
Details
Rate History
3 changes since Sep 24, 2026 · 4.45% → 4.80% ▲ 0.35 pts · high 4.80% / low 4.45%
- Oct 19, 20264.80%▲ from 4.70%
- Oct 14, 20264.70%▲ from 4.65%
- Oct 1, 20264.65%▲ from 4.45%
- Sep 24, 20264.45%first recorded
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2 Year Regular IRA And Roth IRA CD
$0
4.75%
▲ 1.83% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.83% above avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 4.75% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60%
▲ 1.68% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.68% above avgNationally 2.90%
Details
New Money CD; Minimum balance to open account online: $1,000
Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
- Oct 14, 20264.60%▲ from 4.45%
- Sep 27, 20264.45%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 2-year
$1,000
4.55%
▲ 1.63% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.63% above avgNationally 2.90%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year Certificate
$500
4.53%
▲ 1.61% above New York avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.61% above avgNationally 2.90%
Details
Early withdrawal penalty: 180 days simple interest
Rate History
No change since Oct 5, 2026 · 4.53% APY · checked 4 times
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
24 Month Certificate of Deposit
$500
4.45%
▲ 1.53% above New York avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
Details
In-Branch; APY effective as of 10/20/2026
Rate History
2 changes since Sep 20, 2026 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 22, 20264.45%▲ from 4.30%
- Oct 3, 20264.30%▲ from 4.25%
- Sep 20, 20264.25%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Certificate of Deposit - 24 Months
$500
4.45%
▲ 1.53% above New York avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
Details
In-Branch Only; APYs effective as of 10/20/2026; Minimum balance of $500 to earn APY
Rate History
3 changes since Sep 14, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
- Oct 22, 20264.45%▲ from 4.30%
- Oct 3, 20264.30%▲ from 4.25%
- Sep 20, 20264.25%▲ from 3.90%
- Sep 14, 20263.90%first recorded
First Central Savings Bank Glen Cove, NY
Institution Rating:
A-4.9 ★Texas Ratio: 16.55%
Personal eCD 24 Months
$500
4.45%
▲ 1.53% above New York avg
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.53% above avgNationally 2.90%
Details
Available: Online
Rate History
No change since Oct 22, 2026 · 4.45% APY
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.42%
▲ 1.50% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.50% above avgNationally 2.90%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Oct 2, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
2 Year High-Yield CD
$500
4.40%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
HSBC Wealth Center/Telephone CD - 24 Month
$1,000
4.40%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers
Rate History
No change since Oct 20, 2026 · 4.40% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 24 Month
$1,000
4.40%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details
Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online Certificate of Deposit - 24 months
$1,000
4.40%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details
HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
Rhinebeck Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2-Year CD - Promo
$0
4.40%
▲ 1.48% above New York avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details
Promotional product; can be discontinued at any time
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
24 Month Certificate of Deposit
$1,000
4.40%
▲ 1.48% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.48% above avgNationally 2.90%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
- Oct 12, 20264.40%▲ from 4.20%
- Sep 25, 20264.20%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 24 Months
$0
4.37%
▲ 1.45% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.45% above avgNationally 2.90%
Details
Balance: $50,000.00
Rate History
2 changes since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Oct 2, 20264.37%▲ from 4.22%
- Sep 24, 20264.22%▲ from 4.16%
- Sep 18, 20264.16%first recorded
EverBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
Performance CDs - 24 month
$0
4.35%
▲ 1.43% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
Details
Rate History
1 change since Sep 18, 2026 · 3.40% → 4.35% ▲ 0.95 pts · high 4.35% / low 3.40%
- Oct 7, 20264.35%▲ from 3.40%
- Sep 18, 20263.40%first recorded
Modern Bank
Institution Rating:
F2.9 ★Texas Ratio: 40.50%
Consumer Certificate of Deposit - 24 Months
$0
4.35%
▲ 1.43% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
Details
Minimum $100,000 required to open an account; Penalty may be applied for early withdrawal; Rates effective as of 10/05/2026
Rate History
No change since Oct 20, 2026 · 4.35% APY
N C P D
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
24 Month Certificate
$0
4.35%
▲ 1.43% above New York avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.43% above avgNationally 2.90%
Details
Certificates; Interest compounded quarterly
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.35% ▲ 0.85 pts · high 4.35% / low 3.50%
- Sep 22, 20264.35%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 2 Year
$0
4.34%
▲ 1.42% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.42% above avgNationally 2.90%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.34% APY · checked 2 times
Generations United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.85%
Long-Term Certificates - 24-month
$50,000
4.34%
▲ 1.42% above New York avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.92%▲ 1.42% above avgNationally 2.90%
Details
Long-Term Certificate; Minimum deposit $50,000.00
Rate History
No change since Sep 14, 2026 · 4.34% APY · checked 9 times
TOWN OF HEMPSTEAD EMPLOYEES
Institution Rating:
A5.0 ★Texas Ratio: 6.13%
24 Month Kids Club Certificate
$0
4.33%
▲ 1.41% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.92%▲ 1.41% above avgNationally 2.90%
Details
Balance: $400.00 - $50,000.00
Rate History
No change since Oct 22, 2026 · 4.33% APY
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-Month CD
$1,000
4.25%
▲ 1.33% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
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 10 times
Ulster Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.93%
CD - 24 month
$500
4.25%
▲ 1.33% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
First New York Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
Share Certificate - 24 month
$500
4.25%
▲ 1.33% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.92%▲ 1.33% above avgNationally 2.90%
Details
IRA eligible; Dividends compounded monthly; Early withdrawal penalty may apply
Rate History
1 change since Sep 25, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 23, 20264.25%▲ from 3.75%
- Sep 25, 20263.75%first recorded
Yonkers 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
3-Year Share Certificate
$1,000
4.15%
▲ 1.42% above New York avg
▼
Rate4.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.42% above avgNationally 2.81%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 3.98% → 4.15% ▲ 0.17 pts · high 4.15% / low 3.98%
- Oct 15, 20264.15%▲ from 3.98%
- Sep 14, 20263.98%first recorded
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
66 Main St, Yonkers, NY 10701
36 Month Share Certificate
$500
3.82%
▲ 1.09% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.09% above avgNationally 2.81%
Details
Today's Rates card; Minimum Opening Deposit = $500.00; a minimum of $5.00 is required to earn APY; fixed rate; 90 days dividends penalty applies to 6 and 9-month terms, 180 days dividends penalty for 12, 24, and 36-month terms
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 4 times
Municipal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
66 Main St, Yonkers, NY 10701
36-month IRA Share Certificate
$0
3.82%
▲ 1.09% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.09% above avgNationally 2.81%
Details
Fixed Rate IRA; APY footnote (*APY)
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 9 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
Certificate of Deposit - 3 year bump up - True Advantage Bonus
$1,000
3.31%
▲ 0.58% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 0.58% above avgNationally 2.81%
Details
True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00; CD/IRA Bonus of 0.20% for True Advantage and True Advantage Plus Clients; A Tompkins Consumer Checking account is required to receive the advertised rate
Rate History
No change since Oct 22, 2026 · 3.31% APY
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1900 Central Park Ave, Yonkers, NY 10710
36-Month Certificate of Deposit
$500
3.20%
▲ 0.47% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.47% above avgNationally 2.81%
Details
Earn 3.20% APY on balances of $500 or more; account matures in 36 months; fund with up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 5 times
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1900 Central Park Ave, Yonkers, NY 10710
36-Month Fixed Rate CD
$0
3.20%
▲ 0.47% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.47% above avgNationally 2.81%
Details
Featured on page under Grow your savings your way
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 4 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
Certificate of Deposit - 3 year bump up
$1,000
2.90%
▲ 0.17% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 0.17% above avgNationally 2.81%
Details
Minimum to open $1,000.00; Interest rate and APY may be changed once during the initial term to the current 3 Year CD rate if higher
Rate History
No change since Oct 22, 2026 · 2.90% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
449 S Broadway, Yonkers, NY 10705
3 Year Online CD
$0
2.75%
▲ 0.02% above New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 0.02% above avgNationally 2.81%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
36 Month Term IRA & CD
$1,000
2.25%
▼ 0.48% below New York avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.48% below avgNationally 2.81%
Details
Effective 4/1/2024; $1,000.00 minimum deposit required; A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 2.25% APY · checked 5 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
Term IRA & CD - 36 Months
$1,000
2.25%
▼ 0.48% below New York avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.48% below avgNationally 2.81%
Details
Effective 4/1/2024; $1,000 minimum deposit required; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 2 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 3 Year
$500
2.24%
▼ 0.49% below New York avg
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▼ 0.49% below avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
3 Year TD Choice CD
$250
2.00%
▼ 0.73% below New York avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 0.73% below avgNationally 2.81%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
3 Year TD Choice CD
$250
1.99%
▼ 0.74% below New York avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 0.74% below avgNationally 2.81%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
36 Month Certificate of Deposit - True Advantage Bonus
$1,000
1.21%
▼ 1.52% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 1.52% below avgNationally 2.81%
Details
True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 1.21% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
36 Month Certificate of Deposit - True Advantage Plus Bonus
$1,000
1.21%
▼ 1.52% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 1.52% below avgNationally 2.81%
Details
True Advantage ,& True Advantage Plus Bonus APY column; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 1.21% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
36 Month Certificate of Deposit / IRA - True Advantage Plus Bonus
$1,000
1.21%
▼ 1.52% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 1.52% below avgNationally 2.81%
Details
Bonus APY for True Advantage and True Advantage Plus clients; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 1.21% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
36 Month Certificate of Deposit - True Advantage Bonus
$0
1.20%
▼ 1.53% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 1.53% below avgNationally 2.81%
Details
True Advantage & True Advantage Plus Bonus APY; CD/IRA Bonus of 0.20% for True Advantage and True Advantage Plus Clients; A Tompkins Consumer Checking account is required to receive the advertised rate
Rate History
No change since Oct 22, 2026 · 1.20% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
36 Month Certificate of Deposit / IRA
$1,000
1.00%
▼ 1.73% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▼ 1.73% below avgNationally 2.81%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 1.00% APY
Orange Bank & Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
1969 Central Park Ave, Yonkers, NY 10710
36 Month CD
$2,500
0.70%
▼ 2.03% below New York avg
▼
Rate0.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▼ 2.03% below avgNationally 2.81%
Details
APY effective as of December 11, 2025
Rate History
No change since Sep 8, 2026 · 0.70% APY · checked 9 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 36 Month CD
$0
4.90%
▲ 2.17% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.90% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 36 Month CD
$0
4.90%
▲ 2.17% above New York avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.90% APY · checked 3 times
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
36 Month Term Account
$0
4.90%
▲ 2.17% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details
Certificate Accounts; Single - 36 MONTH TERM ACCOUNT; minimum deposit of $100 required to open and earn the APY; penalty for withdrawal before maturity
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%
- Oct 23, 20264.90%▲ from 4.00%
- Oct 13, 20264.00%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 36 MONTH TERM ACCOUNT
$100
4.90%
▲ 2.17% above New York avg
▼
Rate4.79%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.17% above avgNationally 2.81%
Details
36-Month Term/IRA Term; Single account; Dividends compounded and paid monthly; Penalty for withdrawal before maturity; Rates in effect as of 10/19/26
Rate History
1 change since Oct 13, 2026 · 4.00% → 4.90% ▲ 0.90 pts · high 4.90% / low 4.00%
- Oct 23, 20264.90%▲ from 4.00%
- Oct 13, 20264.00%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month CD
$0
4.85%
▲ 2.12% above New York avg
▼
Rate4.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 2.12% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.85% ▲ 0.35 pts · high 4.85% / low 4.50%
- Oct 14, 20264.85%▲ from 4.80%
- Oct 1, 20264.80%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
36 Month Certificate of Deposit
$0
4.80%
▲ 2.07% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.07% above avgNationally 2.81%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
- Oct 22, 20264.80%▲ from 4.40%
- Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 36 Months
$0
4.80%
▲ 2.07% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 2.07% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 3-year
$1,000
4.55%
▲ 1.82% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.73%▲ 1.82% above avgNationally 2.81%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.52%
▲ 1.79% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.79% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.27% → 4.52% ▲ 0.25 pts · high 4.52% / low 4.27%
- Oct 2, 20264.52%▲ from 4.27%
- Sep 18, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 36 Months
$0
4.52%
▲ 1.79% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.79% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.11% → 4.52% ▲ 0.41 pts · high 4.52% / low 4.11%
- Oct 20, 20264.52%▲ from 4.11%
- Sep 8, 20264.11%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 36 Months
$50
4.50%
▲ 1.77% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.77% above avgNationally 2.81%
Details
Rates effective as of 10/07/26
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.47%
▲ 1.74% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.74% above avgNationally 2.81%
Details
Balance: $50,000.00
Rate History
2 changes since Sep 18, 2026 · 4.22% → 4.47% ▲ 0.25 pts · high 4.47% / low 4.22%
- Oct 2, 20264.47%▲ from 4.27%
- Sep 24, 20264.27%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 36 Months
$0
4.47%
▲ 1.74% above New York avg
▼
Rate4.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.74% above avgNationally 2.81%
Details
Balance: $50,000.00
Rate History
1 change since Sep 8, 2026 · 4.06% → 4.47% ▲ 0.41 pts · high 4.47% / low 4.06%
- Oct 20, 20264.47%▲ from 4.06%
- Sep 8, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
3 Year High-Yield CD
$500
4.40%
▲ 1.67% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.67% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
36 Month Certificate of Deposit
$1,000
4.40%
▲ 1.67% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.67% above avgNationally 2.81%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25%
- Oct 12, 20264.40%▲ from 4.25%
- Sep 25, 20264.25%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36 Month Share & IRA Certificates
$500
4.35%
▲ 1.62% above New York avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 1, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
36-Month Certificate
$500
4.35%
▲ 1.62% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
Details
Featured certificate rate; Rates as of 10/1/2026
Rate History
1 change since Sep 14, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Oct 6, 20264.35%▲ from 4.05%
- Sep 14, 20264.05%first recorded
TEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate - 36 months
$500
4.35%
▲ 1.62% above New York avg
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.73%▲ 1.62% above avgNationally 2.81%
Details
Balance: $500 minimum daily balance to earn the disclosed APY; Rates as of 10/1/2026; Dividends paid monthly
Rate History
No change since Oct 19, 2026 · 4.35% APY
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 36 Months
$0
4.32%
▲ 1.59% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.59% above avgNationally 2.81%
Details
Balance: $25,000.00
Rate History
2 changes since Sep 18, 2026 · 4.06% → 4.32% ▲ 0.26 pts · high 4.32% / low 4.06%
- Oct 2, 20264.32%▲ from 4.27%
- Sep 24, 20264.27%▲ from 4.06%
- Sep 18, 20264.06%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 36 Months
$0
4.32%
▲ 1.59% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.59% above avgNationally 2.81%
Details
Balance: $25,000.00
Rate History
1 change since Sep 8, 2026 · 3.91% → 4.32% ▲ 0.41 pts · high 4.32% / low 3.91%
- Oct 20, 20264.32%▲ from 3.91%
- Sep 8, 20263.91%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 3 Year
$0
4.29%
▲ 1.56% above New York avg
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.56% above avgNationally 2.81%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.29% APY · checked 2 times
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
36 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.52% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.52% above avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.25% → 4.25% ▲ 1.00 pts · high 4.25% / low 3.25%
- Oct 9, 20264.25%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 3 Years
$0
4.22%
▲ 1.49% above New York avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.49% above avgNationally 2.81%
Details
Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest
Rate History
2 changes since Sep 14, 2026 · 3.59% → 4.22% ▲ 0.63 pts · high 4.22% / low 3.59%
- Oct 5, 20264.22%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.59%
- Sep 14, 20263.59%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 36 Month
$500
4.20%
▲ 1.47% above New York avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.47% above avgNationally 2.81%
Details
Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.
Rate History
No change since Oct 23, 2026 · 4.20% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.42% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.42% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.37% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
3 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.10%
▲ 1.37% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 3 years up to 4
$1,000
4.10%
▲ 1.37% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 3 years up to 4
$1,000
4.10%
▲ 1.37% above New York avg
▼
Rate4.04%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details
Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 36 Month
$500
4.10%
▲ 1.37% above New York avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.37% above avgNationally 2.81%
Details
Minimum to open and obtain APY is $500
Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month CD
$1,000
4.07%
▲ 1.34% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.73%▲ 1.34% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
Yonkers 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
4.20%
▲ 1.59% above New York avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.59% above avgNationally 2.81%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.20% ▲ 0.17 pts · high 4.20% / low 4.03%
- Oct 15, 20264.20%▲ from 4.03%
- Sep 14, 20264.03%first recorded
ValleyDirect
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
1900 Central Park Ave, Yonkers, NY 10710
48-Month Certificate of Deposit
$500
3.05%
▲ 0.44% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 0.44% above avgNationally 2.81%
Details
Earn 3.05% APY on balances of $500 or more; account matures in 48 months; fund with up to $500,000 online and up to $1,000,000 in a branch
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 8 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
449 S Broadway, Yonkers, NY 10705
4 Year Online CD
$0
2.75%
▲ 0.14% above New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 0.14% above avgNationally 2.81%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 4 Year
$500
2.24%
▼ 0.37% below New York avg
▼
Rate2.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.37% below avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 2.24% APY · checked 2 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
48 Month Term IRA & CD
$1,000
2.00%
▼ 0.61% below New York avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.61% below avgNationally 2.81%
Details
Effective 4/1/2024; $1,000.00 minimum deposit required; A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 5 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
Term IRA & CD - 48 Months
$1,000
2.00%
▼ 0.61% below New York avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▼ 0.61% below avgNationally 2.81%
Details
Effective 4/1/2024; $1,000 minimum deposit required; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
4 Year TD Choice CD
$0
1.99%
▼ 0.62% below New York avg
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 0.62% below avgNationally 2.81%
Details
No Longer for Sale
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
48 Month Certificate of Deposit - True Advantage Plus Bonus
$1,000
0.80%
▼ 1.81% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 1.81% below avgNationally 2.81%
Details
True Advantage ,& True Advantage Plus Bonus APY column; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.80% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
48 Month Certificate of Deposit
$1,000
0.60%
▼ 2.01% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.01% below avgNationally 2.81%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.60% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
48 Month Certificate of Deposit - True Advantage Bonus
$1,000
0.45%
▼ 2.16% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.16% below avgNationally 2.81%
Details
True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.45% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
48 Month Certificate of Deposit / IRA - True Advantage Plus Bonus
$1,000
0.40%
▼ 2.21% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.21% below avgNationally 2.81%
Details
Bonus APY for True Advantage and True Advantage Plus clients; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.40% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
48 Month Certificate of Deposit
$1,000
0.25%
▼ 2.36% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.36% below avgNationally 2.81%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.25% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
48 Month Certificate of Deposit / IRA
$1,000
0.20%
▼ 2.41% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▼ 2.41% below avgNationally 2.81%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.20% APY
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
48-Month Certificate
$100
5.00%
▲ 2.39% above New York avg
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 2.39% above avgNationally 2.81%
Details
Dividend rate 4.89%; Minimum balance to open and earn APY: $100
Rate History
1 change since Sep 14, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
- Oct 23, 20265.00%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 48 MONTH TERM ACCOUNT
$0
5.00%
▲ 2.39% above New York avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 2.39% above avgNationally 2.81%
Details
Certificate Account; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity; Term/IRA Term table
Rate History
1 change since Oct 5, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
- Oct 23, 20265.00%▲ from 4.15%
- Oct 5, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month CD
$0
4.95%
▲ 2.34% above New York avg
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 2.34% above avgNationally 2.81%
Details
Rate History
2 changes since Sep 24, 2026 · 4.50% → 4.95% ▲ 0.45 pts · high 4.95% / low 4.50%
- Oct 14, 20264.95%▲ from 4.85%
- Oct 1, 20264.85%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.58%
▲ 1.97% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.97% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 2, 20264.58%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 48 Months
$0
4.58%
▲ 1.97% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.97% above avgNationally 2.81%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
- Oct 20, 20264.58%▲ from 4.22%
- Sep 8, 20264.22%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 4-year
$1,000
4.55%
▲ 1.94% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 1.94% above avgNationally 2.81%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.52%
▲ 1.91% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.91% above avgNationally 2.81%
Details
Balance: $50,000.00
Rate History
2 changes since Sep 18, 2026 · 4.32% → 4.52% ▲ 0.20 pts · high 4.52% / low 4.32%
- Oct 2, 20264.52%▲ from 4.37%
- Sep 24, 20264.37%▲ from 4.32%
- Sep 18, 20264.32%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 48 Months
$0
4.52%
▲ 1.91% above New York avg
▼
Rate4.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.91% above avgNationally 2.81%
Details
Balance: $50,000.00
Rate History
1 change since Sep 8, 2026 · 4.16% → 4.52% ▲ 0.36 pts · high 4.52% / low 4.16%
- Oct 20, 20264.52%▲ from 4.16%
- Sep 8, 20264.16%first recorded
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
Certificate - 48 Months
$50
4.50%
▲ 1.89% above New York avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.89% above avgNationally 2.81%
Details
Rates effective as of 10/07/26
Rate History
No change since Oct 13, 2026 · 4.50% APY · checked 2 times
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
4 Year High-Yield CD
$500
4.40%
▲ 1.79% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.79% above avgNationally 2.81%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
48 Month Certificate of Deposit
$1,000
4.40%
▲ 1.79% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.79% above avgNationally 2.81%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 12, 20264.40%▲ from 4.30%
- Sep 25, 20264.30%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 4 Year
$0
4.39%
▲ 1.78% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.78% above avgNationally 2.81%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 48 Month CD
$0
4.38%
▲ 1.77% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 1.77% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.38% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 48 Month CD
$0
4.38%
▲ 1.77% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 1.77% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.38% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.37%
▲ 1.76% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.76% above avgNationally 2.81%
Details
Balance: $25,000.00
Rate History
1 change since Sep 18, 2026 · 4.16% → 4.37% ▲ 0.21 pts · high 4.37% / low 4.16%
- Sep 24, 20264.37%▲ from 4.16%
- Sep 18, 20264.16%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 48 Months
$0
4.37%
▲ 1.76% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.76% above avgNationally 2.81%
Details
Balance: $25,000.00
Rate History
1 change since Sep 8, 2026 · 4.01% → 4.37% ▲ 0.36 pts · high 4.37% / low 4.01%
- Oct 20, 20264.37%▲ from 4.01%
- Sep 8, 20264.01%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
4 Year Certificate
$500
4.34%
▲ 1.73% above New York avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.73% above avgNationally 2.81%
Details
Minimum $500 Credit; Quarterly Compound Daily
Rate History
1 change since Sep 14, 2026 · 4.03% → 4.34% ▲ 0.31 pts · high 4.34% / low 4.03%
- Oct 5, 20264.34%▲ from 4.03%
- Sep 14, 20264.03%first recorded
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Share Certificate - 4 Years
$0
4.32%
▲ 1.71% above New York avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.71% above avgNationally 2.81%
Details
Minimum balance: $500 >; Early withdrawal penalty: 180 days of accrued interest
Rate History
2 changes since Sep 14, 2026 · 3.49% → 4.32% ▲ 0.83 pts · high 4.32% / low 3.49%
- Oct 5, 20264.32%▲ from 3.80%
- Sep 25, 20263.80%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 48 Month
$500
4.25%
▲ 1.64% above New York avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.64% above avgNationally 2.81%
Details
Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.
Rate History
No change since Oct 23, 2026 · 4.25% APY
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
48 Month Share Certificates & IRA Certificates
$0
4.25%
▲ 1.64% above New York avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.64% above avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
1 change since Sep 14, 2026 · 3.00% → 4.25% ▲ 1.25 pts · high 4.25% / low 3.00%
- Oct 9, 20264.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
4 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.20%
▲ 1.59% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 4 years up to 5
$1,000
4.20%
▲ 1.59% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% above avgNationally 2.81%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 4 years up to 5
$1,000
4.20%
▲ 1.59% above New York avg
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.59% above avgNationally 2.81%
Details
Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.20% APY · checked 2 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 48 Month
$500
4.15%
▲ 1.54% above New York avg
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.54% above avgNationally 2.81%
Details
Minimum to open and obtain APY is $500
Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 2 times
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month CD
$1,000
4.07%
▲ 1.46% above New York avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 48 Months
$0
4.06%
▲ 1.45% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details
Balance: $10,000.00
Rate History
2 changes since Sep 18, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.16% / low 3.85%
- Oct 2, 20264.06%▼ from 4.16%
- Sep 24, 20264.16%▲ from 3.85%
- Sep 18, 20263.85%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 48 Months
$0
4.06%
▲ 1.45% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details
Balance: $10,000.00
Rate History
1 change since Sep 8, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
- Oct 20, 20264.06%▲ from 3.70%
- Sep 8, 20263.70%first recorded
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 4 Year
$0
4.06%
▲ 1.45% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.45% above avgNationally 2.81%
Details
Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Rate History
1 change since Sep 12, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 4, 20264.06%▲ from 3.80%
- Sep 12, 20263.80%first recorded
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Account 48-Month
$500
4.05%
▲ 1.44% above New York avg
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.61%▲ 1.44% above avgNationally 2.81%
Details
Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10%
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.05% ▲ 0.45 pts · high 4.05% / low 3.60%
- Sep 27, 20264.05%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Geddes Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
48 Month CD
$0
4.00%
▲ 1.39% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details
Maximum $1,000,000.00 New Money per tax ID number
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 4 Years (48 Months)
$250
4.00%
▲ 1.39% above New York avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 3, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 48 Month Jumbo
$0
4.00%
▲ 1.39% above New York avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details
Jumbo Certificate Minimum Balance: $100,000
Rate History
No change since Oct 23, 2026 · 4.00% APY
Parks Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.89%
Certificate of Deposit 48 Month
$0
4.00%
▲ 1.39% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 3 times
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
4 Year IRA Certificate
$0
4.00%
▲ 1.39% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details
4 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Leatherstocking Region Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
4 Year Share Certificate
$0
4.00%
▲ 1.39% above New York avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.39% above avgNationally 2.81%
Details
4 Year ($500 & Over); Minimum of $500 required for all Certificates; Penalty for early maturity is 3 months interest
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Tompkins Employees Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.74%
48 Month Share Certificate
$0
3.95%
▲ 1.34% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.34% above avgNationally 2.81%
Details
Balance: $75,000.00 and up; Rate column unlabeled, footnote defines rates as APY
Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 4 Year
$0
3.93%
▲ 1.32% above New York avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.61%▲ 1.32% above avgNationally 2.81%
Details
Balance: $50,000 - $99,999; 9-Month Penalty for Early Withdrawal
Rate History
2 changes since Sep 12, 2026 · 3.68% → 3.93% ▲ 0.26 pts · high 3.93% / low 3.68%
- Oct 4, 20263.93%▲ from 3.80%
- Sep 20, 20263.80%▲ from 3.68%
- Sep 12, 20263.68%first recorded
Yonkers 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.06%
125 Corporate Blvd, Yonkers, NY 10701
5-Year Share Certificate
$1,000
4.25%
▲ 1.42% above New York avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.42% above avgNationally 2.92%
Details
Penalty for early withdrawal: 9 Months Dividends
Rate History
1 change since Sep 14, 2026 · 4.08% → 4.25% ▲ 0.17 pts · high 4.25% / low 4.08%
- Oct 15, 20264.25%▲ from 4.08%
- Sep 14, 20264.08%first recorded
Peoples Alliance Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
132 Tuckahoe Rd, Yonkers, NY 10710 5599
Share Certificate - 5 Year
$500
2.87%
▲ 0.04% above New York avg
▼
Rate2.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 0.04% above avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 2.87% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
449 S Broadway, Yonkers, NY 10705
5 Year Online CD
$0
2.75%
▼ 0.08% below New York avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 0.08% below avgNationally 2.92%
Details
Interest rate 2.71%; interest compounded daily and paid monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
449 S Broadway, Yonkers, NY 10705
Online CD - 5 Year
$0
2.75%
▼ 0.08% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▼ 0.08% below avgNationally 2.92%
Details
Online CD; Open online; APY accurate as of 07/28/2026
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
60 Month Term IRA & CD
$1,000
2.50%
▼ 0.33% below New York avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details
Effective 4/1/2024; $1,000.00 minimum deposit required; A penalty may be imposed for early withdrawal.
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 5 times
Rockland Employees Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
79 81 Main St, Yonkers, NY 10701 2740
Term IRA & CD - 60 Months
$1,000
2.50%
▼ 0.33% below New York avg
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▼ 0.33% below avgNationally 2.92%
Details
Effective 4/1/2024; $1,000 minimum deposit required; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
5 Year TD Choice CD
$250
2.00%
▼ 0.83% below New York avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.83% below avgNationally 2.92%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
1820 Central Park Ave, Yonkers, NY 10710
5 Year TD Choice CD
$250
1.99%
▼ 0.84% below New York avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 0.84% below avgNationally 2.92%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
60 Month Certificate of Deposit - True Advantage Plus Bonus
$1,000
0.90%
▼ 1.93% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 1.93% below avgNationally 2.92%
Details
True Advantage ,& True Advantage Plus Bonus APY column; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.90% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
60 Month Certificate of Deposit
$1,000
0.70%
▼ 2.13% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 2.13% below avgNationally 2.92%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.70% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
60 Month Certificate of Deposit - True Advantage Bonus
$1,000
0.45%
▼ 2.38% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 2.38% below avgNationally 2.92%
Details
True Advantage & True Advantage Plus Bonus APY; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.45% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
60 Month Certificate of Deposit / IRA - True Advantage Plus Bonus
$1,000
0.45%
▼ 2.38% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 2.38% below avgNationally 2.92%
Details
Bonus APY for True Advantage and True Advantage Plus clients; Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.45% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
60 Month Certificate of Deposit
$0
0.30%
▼ 2.53% below New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 2.53% below avgNationally 2.92%
Details
Certificate of Deposit / IRA table
Rate History
No change since Oct 22, 2026 · 0.30% APY
Tompkins Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.37%
766 Yonkers Ave, Yonkers, NY 10704
60 Month Certificate of Deposit / IRA
$1,000
0.25%
▼ 2.58% below New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▼ 2.58% below avgNationally 2.92%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 22, 2026 · 0.25% APY
Italo American Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Year Regular IRA And Roth IRA CD
$0
5.25%
▲ 2.42% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 2.42% above avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 5.25% APY
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
Single - 60 MONTH TERM ACCOUNT
$0
5.00%
▲ 2.17% above New York avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 2.17% above avgNationally 2.92%
Details
Certificate Accounts; fixed-rate; dividends compounded and paid monthly; penalty for withdrawal before maturity
Rate History
1 change since Oct 13, 2026 · 4.15% → 5.00% ▲ 0.85 pts · high 5.00% / low 4.15%
- Oct 23, 20265.00%▲ from 4.15%
- Oct 13, 20264.15%first recorded
Popular Direct
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month CD
$0
5.00%
▲ 2.17% above New York avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 2.17% above avgNationally 2.92%
Details
Rate History
2 changes since Sep 24, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
- Oct 14, 20265.00%▲ from 4.95%
- Oct 1, 20264.95%▲ from 4.50%
- Sep 24, 20264.50%first recorded
Quorum Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
60 Month Term Certificate
$100
4.89%
▲ 2.06% above New York avg
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 2.06% above avgNationally 2.92%
Details
Single - 60 MONTH TERM ACCOUNT; Certificate Accounts 60-Month Term/IRA; Dividends compounded and paid monthly; penalty for withdrawal before maturity
Rate History
No change since Oct 23, 2026 · 4.89% APY
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
60 Month Certificate of Deposit
$0
4.80%
▲ 1.97% above New York avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.97% above avgNationally 2.92%
Details
FDIC insurance: at least $250,000
Rate History
1 change since Oct 8, 2026 · 4.40% → 4.80% ▲ 0.40 pts · high 4.80% / low 4.40%
- Oct 22, 20264.80%▲ from 4.40%
- Oct 8, 20264.40%first recorded
Morgan Stanley E-Trade
Institution Rating:
A4.8 ★Texas Ratio: 2.45%
Certificates of Deposit (CDs) - 60 Months
$0
4.80%
▲ 1.97% above New York avg
▼
Rate4.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.97% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.80% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Fixed Rate Certificates - 60 Month CD
$0
4.64%
▲ 1.81% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 1.81% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 4.64% APY · checked 2 times
Massena Savings and Loan
Institution Rating:
A5.0 ★Texas Ratio: 9.00%
Traditional/Roth IRA 60 Month CD
$0
4.64%
▲ 1.81% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New York Average2.83%▲ 1.81% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.64% APY · checked 3 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.63%
▲ 1.80% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.80% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 18, 2026 · 4.42% → 4.63% ▲ 0.21 pts · high 4.63% / low 4.42%
- Oct 2, 20264.63%▲ from 4.42%
- Sep 18, 20264.42%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 60 Months
$0
4.63%
▲ 1.80% above New York avg
▼
Rate4.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.80% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
1 change since Sep 8, 2026 · 4.27% → 4.63% ▲ 0.36 pts · high 4.63% / low 4.27%
- Oct 20, 20264.63%▲ from 4.27%
- Sep 8, 20264.27%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.58%
▲ 1.75% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.75% above avgNationally 2.92%
Details
Balance: $50,000.00
Rate History
2 changes since Sep 18, 2026 · 4.37% → 4.58% ▲ 0.21 pts · high 4.58% / low 4.37%
- Oct 2, 20264.58%▲ from 4.42%
- Sep 24, 20264.42%▲ from 4.37%
- Sep 18, 20264.37%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 60 Months
$0
4.58%
▲ 1.75% above New York avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.75% above avgNationally 2.92%
Details
Balance: $50,000.00
Rate History
1 change since Sep 8, 2026 · 4.22% → 4.58% ▲ 0.36 pts · high 4.58% / low 4.22%
- Oct 20, 20264.58%▲ from 4.22%
- Sep 8, 20264.22%first recorded
Global Bank
Institution Rating:
D3.4 ★Texas Ratio: 33.77%
Certificate of Deposit - 5-year
$1,000
4.55%
▲ 1.72% above New York avg
▼
Rate4.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 1.72% above avgNationally 2.92%
Details
Amount: $1,000.00 and up
Rate History
No change since Oct 14, 2026 · 4.55% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.42%
▲ 1.59% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.59% above avgNationally 2.92%
Details
Balance: $25,000.00
Rate History
1 change since Sep 18, 2026 · 4.22% → 4.42% ▲ 0.20 pts · high 4.42% / low 4.22%
- Sep 24, 20264.42%▲ from 4.22%
- Sep 18, 20264.22%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 60 Months
$0
4.42%
▲ 1.59% above New York avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.59% above avgNationally 2.92%
Details
Balance: $25,000.00
Rate History
1 change since Sep 8, 2026 · 4.06% → 4.42% ▲ 0.36 pts · high 4.42% / low 4.06%
- Oct 20, 20264.42%▲ from 4.06%
- Sep 8, 20264.06%first recorded
Marcus Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
5 Year High-Yield CD
$500
4.40%
▲ 1.57% above New York avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.57% above avgNationally 2.92%
Details
Early Withdrawal Penalty: Yes; $500 minimum to earn stated APY
Rate History
1 change since Sep 18, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 1, 20264.40%▲ from 4.35%
- Sep 18, 20264.35%first recorded
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.61%
60 Month Certificate of Deposit
$1,000
4.40%
▲ 1.57% above New York avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.57% above avgNationally 2.92%
Details
Minimum opening deposit $1,000; dividends paid at maturity
Rate History
1 change since Sep 25, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 12, 20264.40%▲ from 4.35%
- Sep 25, 20264.35%first recorded
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.09%
Share Certificates - 5 Year
$0
4.39%
▲ 1.56% above New York avg
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.56% above avgNationally 2.92%
Details
Minimum balance $500; Remarks: Credit Quarterly
Rate History
No change since Oct 15, 2026 · 4.39% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
5 Year Pension CDs (Includes IRA, SEP 401K, ESOP)
$1,000
4.30%
▲ 1.47% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% above avgNationally 2.92%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Compounding: Quarterly; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Certificate of Deposit - 5 years
$1,000
4.30%
▲ 1.47% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% above avgNationally 2.92%
Details
Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties; Under $100,000; Compounding: Quarterly; Apply Online
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
Bank of Utica
Institution Rating:
A+5.0 ★Texas Ratio: 0.23%
Pension CDs - 5 years
$1,000
4.30%
▲ 1.47% above New York avg
▼
Rate4.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.47% above avgNationally 2.92%
Details
Oneida, Herkimer, Madison, Otsego Counties Only; Compounding: Q; New Customer Limit $3,000,000
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Super Share Certificate - 60 Month
$500
4.30%
▲ 1.47% above New York avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.47% above avgNationally 2.92%
Details
Matches the Super Share & IRA Certificate Rates schedule; APR stored as rate, APY as apy. Minimum $500 per page.
Rate History
No change since Oct 23, 2026 · 4.30% APY
Spring Bank Bronx, NY
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
Certificate of Deposit - 5 Years (60 Months)
$250
4.25%
▲ 1.42% above New York avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New York Average2.83%▲ 1.42% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 3, 20264.25%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year Certificate
$500
4.22%
▲ 1.39% above New York avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.39% above avgNationally 2.92%
Details
Early withdrawal penalty: 365 days simple interest
Rate History
No change since Oct 5, 2026 · 4.22% APY · checked 4 times
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Share & IRA Share Certificate - 60 Month
$500
4.20%
▲ 1.37% above New York avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.37% above avgNationally 2.92%
Details
Minimum to open and obtain APY is $500
Rate History
No change since Oct 15, 2026 · 4.20% APY · checked 2 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Business Certificate Account
$0
4.15%
▲ 1.32% above New York avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.32% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 8 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month Certificate
$50
4.15%
▲ 1.32% above New York avg
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.32% above avgNationally 2.92%
Details
APY as of 10/19/2026; $50 minimum balance to open account; $0.01 minimum balance to earn APY
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.52%
60 Month IRA Certificate
$50
4.15%
▲ 1.32% above New York avg
▼
Rate4.07%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.32% above avgNationally 2.92%
Details
APY as of 10/19/2026
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Inner Lakes Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
60 Month CD
$1,000
4.13%
▲ 1.30% above New York avg
▼
Rate4.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.30% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.13% APY · checked 2 times
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
Certificate of Deposit - 60 Months
$0
4.11%
▲ 1.28% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.28% above avgNationally 2.92%
Details
Balance: $10,000.00
Rate History
2 changes since Sep 18, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.22% / low 3.91%
- Oct 2, 20264.11%▼ from 4.22%
- Sep 24, 20264.22%▲ from 3.91%
- Sep 18, 20263.91%first recorded
Citizens & Northern Bank C&N
Institution Rating:
A5.0 ★Texas Ratio: 10.85%
IRA CD - 60 Months
$0
4.11%
▲ 1.28% above New York avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New York Average2.83%▲ 1.28% above avgNationally 2.92%
Details
Balance: $10,000.00
Rate History
1 change since Sep 8, 2026 · 3.75% → 4.11% ▲ 0.36 pts · high 4.11% / low 3.75%
- Oct 20, 20264.11%▲ from 3.75%
- Sep 8, 20263.75%first recorded
First Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.80%
Jumbo Certificate - 60 Month Jumbo
$0
4.11%
▲ 1.28% above New York avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.28% above avgNationally 2.92%
Details
Jumbo Certificate Minimum Balance: $100,000
Rate History
No change since Oct 23, 2026 · 4.11% APY
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
Certificate Account 60-Month
$500
4.10%
▲ 1.27% above New York avg
▼
Rate4.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New York Average2.83%▲ 1.27% above avgNationally 2.92%
Details
Jumbo Certificate Accounts with a minimum balance of $50,000 earn the stated APY plus .05%; $100,000 or more earn the stated APY plus .10%
Rate History
1 change since Sep 14, 2026 · 3.65% → 4.10% ▲ 0.45 pts · high 4.10% / low 3.65%
- Sep 27, 20264.10%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Academic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
IRA Term Share Account - 60 Months
$500
4.07%
▲ 1.24% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.24% above avgNationally 2.92%
Details
IRA Term Share Accounts
Rate History
No change since Oct 9, 2026 · 4.07% APY · checked 2 times
O&R Utilities Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.87%
60 Month Term Certificate Account
$500
4.07%
▲ 1.24% above New York avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.24% above avgNationally 2.92%
Details
Rate History
No change since Oct 22, 2026 · 4.07% APY · checked 2 times
Cadets Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA Share Certificate 5 Year
$0
4.06%
▲ 1.23% above New York avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New York Average2.83%▲ 1.23% above avgNationally 2.92%
Details
Balance: $100,000 - $250,000; 9-Month Penalty for Early Withdrawal
Rate History
1 change since Sep 12, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 4, 20264.06%▲ from 3.80%
- Sep 12, 20263.80%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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Yonkers, NY CD Rate Trends
Compare local Yonkers, 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
3.048%
▼ 0.020 vs 7 days ago
New York 12-month CD rates fell 0.020 points over the past 7 days to 3.048% APY.
6-Month CD NY Avg
2.825%
▼ 0.033 vs 7 days ago
New York 6-month CD rates fell 0.033 points over the past 7 days to 2.825% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.048%
6-Month Forecast
3.048%
Range: 2.85%, 3.20%
12-Month Forecast
3.298%
Range: 3.10%, 3.45%
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What Your Savings Earn at NY CD Rates Today
Annual interest earnings at today’s New York average APYs. State average used where available; national average as fallback.
| CD Term | NY Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.078% | $103.91 | $207.81 | $519.53 | $1,039.05 |
| 6-Month CD | 2.825% | $141.23 | $282.46 | $706.15 | $1,412.30 |
| 12-Month CD | 3.048% | $152.41 | $304.81 | $762.03 | $1,524.05 |
| 18-Month CD | 2.925% | $146.27 | $292.54 | $731.35 | $1,462.70 |
| 24-Month CD | 2.916% | $145.79 | $291.57 | $728.93 | $1,457.85 |
| 36-Month CD | 2.726% | $136.31 | $272.61 | $681.53 | $1,363.05 |
| 48-Month CD | 2.612% | $130.61 | $261.22 | $653.05 | $1,306.10 |
| 60-Month CD | 2.828% | $141.39 | $282.78 | $706.95 | $1,413.90 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Yonkers, 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 | 2.078% | $103.91 |
| 2 | 6-Month CD | $5,000 | 2.825% | $141.23 |
| 3 | 12-Month CD | $5,000 | 3.048% | $152.41 |
| 4 | 24-Month CD | $5,000 | 2.916% | $145.79 |
| 5 | 36-Month CD | $5,000 | 2.726% | $136.31 |
| Total ($25,000 invested) | $25,000 | 2.719% blended | $679.65/yr | |
Ladder example uses equal $5,000 rungs and New York average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
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2,509
CD Rates
Tracked in Yonkers, New York
Tracked in Yonkers, New York
62 Banks
92 Credit Unions
About Our Yonkers, New York CD Rate Database
MonitorBankRates tracks 2,509 CD rates from 62 banks and 92 credit unions with locations in Yonkers, 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: Ridgewood Savings Bank offers a CD at 4.59% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Yonkers, New York.
How to Find the Best CD Rates in Yonkers, New York
What to compare when shopping for a CD in Yonkers, New York
To find the best APYs in Yonkers, New York, start with credit unions and online-only banks: Yonkers, New York has 92 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 Yonkers, 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 Yonkers, New York: 154 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Yonkers, 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 Yonkers, New York money market rates
Yonkers, New York Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
17.6%
National avg: 17.3%
Median Individual Earnings
$48,449
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
7.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$148/yr
At NY 12-mo avg 3.048% APY
17.6% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 7.1% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NY 12-month CD average of 3.048%, saving 10% of the local median salary ($4,844/year) and putting it in a CD would earn an additional $148 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 Yonkers, 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 Yonkers, 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 Yonkers, 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 Yonkers, New York as everywhere in the U.S.
Choosing a CD Term in Yonkers, 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 Yonkers, New York savers easier access to their funds. For example, Flagstar Bank, National Association is offering its 6-Month Business CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, SUMA Federal Credit Union is offering its 5-Year Share Certificate at 4.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Yonkers, 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 Yonkers, 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 Yonkers, 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 Yonkers, 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 Yonkers, New York
Most CDs carry a fixed rate that is locked for the entire term, protecting a Yonkers, 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 Yonkers, New York
Are CD rates in Yonkers, New York FDIC insured?
Yes, most established banks in Yonkers, 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 Yonkers, 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 Yonkers, 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 Yonkers, 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 Yonkers, New York?
Here are recent top rates found for this area:
- Ridgewood Savings Bank: 4.59% APY (2-Year Treasury Indexed CD)
- TD Bank: 4.30% APY (24 Month TD Choice CD)
- Flagstar Bank, National Association: 4.30% APY (12-Month Business CD)
- SUMA Federal Credit Union: 4.25% APY (5-Year Share Certificate)
- Municipal Credit Union: 4.07% APY (12-Month Certificate New Money Bonus Rate)
- Webster Bank: 4.00% APY (Private 18 Month CD)
- Peoples Alliance Federal Credit Union: 3.76% APY (Share Certificate - 6 Months)
- ValleyDirect: 3.55% APY (3-Month Certificate of Deposit)
- Tompkins Community Bank: 3.31% APY (Certificate of Deposit - 3 year bump up - True Advantage Bonus)
- Citizens Access: 3.25% APY (1 Year Online CD)
Rates reflect recent verified offers available in Yonkers, New York. Last Updated: October 23, 2026
Yonkers, 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 Yonkers, 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 Yonkers, New York
Yonkers, New York CD Calculator
At today’s NY top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Yonkers, New York CD LadderNY CD rates currently range from 2.078% (3-month) to 2.726% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Yonkers, New York CD at 4.59% 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 3.048% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Yonkers, 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 Yonkers, 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 Yonkers, New York. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NY.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026
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