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Variable Rate IRAs – New York - May 23, 2012

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Below are Variable Rate IRA CDs offered from banks that are located in New York. Depending on the type of IRA you have, a variable rate IRA CD offers tax-free or tax-deferred interest. Unlike a Fixed Rate IRA CD, the interest from a VIRA CD can fluctuate depending on market and economic conditions even though the principle is FDIC insured. VIRAs are often preferred when interest rates are expected to rise as the yield on the CD can be adjusted upward over its term. Learn more about the benefits and drawbacks of a Variable Rate IRA CD.

Bank APY Min Bal Miles More
Wallkill Valley Federal Savings And Loan Association 1.53% $10 -
The National Bank Of Coxsackie 1.31% $1 -
Massena Savings And Loan 1.27% $200 -
The Oneida Savings Bank 1.26% $100 -
The Delaware National Bank Of Delhi 1.16% $100 -
Community Bank, National Association 1.00% $100 -
The National Bank Of Delaware County 1.00% $100 -
Wilshire State Bank 1.00% $1,000 -
The National Union Bank Of Kinderhook 0.95% $500 -
Geddes Federal Savings And Loan Association 0.90% $25 -
Investors Bank 0.90% $1 -
Adirondack Bank 0.75% $1,000 -
Nbt Bank, National Association 0.75% $25 -
Seneca Falls Savings Bank 0.75% $100 -
The Bank Of Greene County 0.75% $1 -
Cattaraugus County Bank 0.75% $100 -
Genesee Regional Bank 0.65% $500 -
Intervest National Bank 0.60% $1,000 -
People's United Bank 0.60% $2,500 -
Community Bank, National Association 0.50% $1 -
Cathay Bank 0.50% $100 -
Bank Of Utica 0.50% $1 -
Medina Savings And Loan Association 0.50% $50 -
The First National Bank Of Dryden 0.50% $5 -
The Elmira Savings Bank, Fsb 0.50% $50 -
Marathon National Bank Of New York 0.50% $2,500 -
Chemung Canal Trust Company 0.45% $100 -
The Lyons National Bank 0.45% $100 -
Pioneer Savings Bank 0.40% $100 -
Alden State Bank 0.40% $100 -
Rbs Citizens, National Association 0.40% $1 -
Victory State Bank 0.40% $1 -
The Bank Of Castile 0.40% $1 -
Ridgewood Savings Bank 0.39% $100 -
Watertown Savings Bank 0.36% $10 -
Hudson City Savings Bank 0.35% $10 -
Fulton Savings Bank 0.35% $500 -
First National Bank Of Scotia 0.35% $50 -
Madison National Bank 0.35% $1 -
The First National Bank Of Groton 0.30% $250 -
Berkshire Bank Municipal Bank 0.30% $10 -
The North Country Savings Bank 0.30% $50 -
Bank Of America, National Association 0.30% $1 -
Northwest Savings Bank 0.30% $1 -
Berkshire Bank 0.30% $10 -
First Citizens National Bank 0.25% $25 -
Community National Bank 0.25% $100 -
Tioga State Bank 0.25% $50 -
Peoples Neighborhood Bank 0.25% $50 -
Atlas Bank 0.25% $250 -
Putnam County Savings Bank 0.25% $25 -
The Mahopac National Bank 0.25% $1,000 -
Fairport Savings Bank 0.25% $50 -
Saratoga National Bank And Trust 0.25% $1 -
Walden Savings Bank 0.20% $50 -
First Niagara Bank, National Association 0.20% $5 -
Tompkins Trust Company 0.20% $1 -
Citibank, National Association 0.20% $1 -
Amalgamated Bank 0.20% $10 -
Sovereign Bank 0.20% $1 -
Valley National Bank 0.20% $250 -
The Suffolk County National Bank Of Riverhead 0.20% $100 -
Sussexbank 0.20% $10 -
Cross County Federal Savings Bank 0.18% $100 -
Maple City Savings Bank, Fsb 0.15% $10 -
Ulster Savings Bank 0.15% $1 -
Evans Bank, National Association 0.15% $500 -
The Canandaigua National Bank And Trust Company 0.12% $1,000 -
Keybank National Association 0.11% $1,000 -
Alliance Bank, National Association 0.10% $1 -
Hsbc Bank Usa, National Association 0.10% $1 -
Webster Bank, National Association 0.10% $1 -
The First National Bank Of Long Island 0.10% $1 -
Lake Shore Savings Bank 0.10% $10 -
Apple Bank For Savings 0.08% $500 -
Hometown Bank Of The Hudson Valley 0.08% $40 -
People's United Bank 0.05% $1 -
Five Star Bank 0.05% $500 -
Manufacturers And Traders Trust Company 0.05% $1,000 -
Trustco Bank 0.05% $1 -
Td Bank, National Association 0.05% $1 -
Astoria Federal Savings And Loan Association 0.05% $100 -
Chinatrust Bank (u.s.a.) 0.05% $1,000 -
Wells Fargo Bank, National Association 0.05% $1 -
Rhinebeck Savings Bank 0.05% $25 -
Provident Bank 0.02% $1 -
Sterling National Bank 0.02% $1 -
Jpmorgan Chase Bank, National Association 0.01% $1 -

Banks listed above are FDIC insured. The FDIC insures each named individual's deposits to $250,000. To avoid exceeding FDIC insurance limits, please use the FDIC's EDIE function on its website.

BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know so that we can update it. Please email us at contact (at) bestcashcow.com.
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