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New York IRA CD Rates 2018

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

NY - November 21, 2018

BankS APY Term MIN MIN?
3.30% 84 $500 -
3.25% 60 $1,000 -
3.10% 43 $2,500 -
3.06% 30 $500 -
3.05% 36 $1,000 -
3.03% 48 $10,000 -
3.00% 60 $1,000 -
3.00% 55 $1,000 -
3.00% 36 $1 -
3.00% 60 $2,500 -
3.00% 60 $500 -
3.00% 60 $500 -
2.85% 18 $500 -
2.85% 33 $2,500 -
2.84% 60 $500 -
2.80% 60 $2,500 -
2.80% 59 $500 -
2.75% - $500 -
2.75% 20 $1,000 -
2.75% 18 $10,000 -
2.75% 24 $500 -
2.75% 24 $500 -
2.75% - $1,000 -
2.75% 37 $500 -
2.75% 30 $1,000 -
2.70% 48 $1,000 -
2.70% 37 $1,000 -
2.70% - $1,000 -
2.70% 13 $500 -
2.68% 20 $2,000 -
2.65% 36 $1,000 -
2.65% 18 $1,000 -
2.65% 58 $2,500 -
2.60% 25 $1,000 -
2.60% - $1 -
2.60% 18 $500 -
2.60% 18 $500 -
2.60% 16 $500 -
2.60% 23 $2,500 -
2.60% 39 $2,500 -
2.55% 13 $5,500 -
2.53% 36 $500 -
2.53% 13 $1,000 -
2.52% 36 $10,000 -
2.50% 15 $2,500 -
2.50% - $1,000 -
2.50% - $500 -
2.50% 12 $1,000 -
2.50% 32 $500 -
2.50% 25 $500 -
2.50% 15 $500 -
2.50% 15 $10,000 -
2.50% 14 $500 -
2.50% 14 $500 -
2.50% 26 $500 -
2.50% 12 $1,000 -
2.50% 14 $250 -
2.48% - $1,000 -
2.40% - $2,500 -
2.40% - $500 -
2.40% - $500 -
2.35% 13 $1,000 -
2.35% 13 $2,500 -
2.33% 30 $500 -
2.33% - $250 -
2.30% 12 $500 -
2.30% - $1,500 -
2.30% - $500 -
2.30% 20 $500 -
2.30% 11 $2,500 -
2.28% 24 $1,000 -
2.27% 22 $500 -
2.27% 13 $2,000 -
2.25% 13 $2,500 -
2.25% - $250 -
2.25% 14 $500 -
2.25% - $500 -
2.25% 13 $500 -
2.25% 24 $1 -
2.25% 11 $2,500 -
2.25% - $2,000 -
2.25% 24 $500 -
2.25% 24 $500 -
2.25% 18 $1,000 -
2.20% - $250 -
2.15% 5 $1,000 -
2.15% 7 $2,500 -
2.15% 7 $500 -
2.10% - $1,000 -
2.10% 14 $1 -
2.10% 16 $250 -
2.10% 13 $500 -
2.02% - $1,000 -
2.02% - $1,000 -
2.02% - $1,000 -
2.01% 19 $10,000 -
2.01% 24 $10,000 -
2.00% - $1,000 -
2.00% 6 $1,000 -
2.00% 35 $1,000 -
2.00% - $500 -
2.00% 7 $5,500 -
2.00% 24 $1 -
2.00% - $500 -
2.00% 13 $500 -
2.00% 14 $1,000 -
2.00% 14 $1,000 -
2.00% 18 $500 -
2.00% 14 $1,000 -
1.95% - $2,500 -
1.95% 18 $500 -
1.95% 18 $500 -
1.95% 9 $500 -
1.90% - $1 -
1.88% 24 $1 -
1.80% - $500 -
1.80% 13 $500 -
1.76% 11 $10,000 -
1.76% 35 $1,000 -
1.75% - $500 -
1.75% 12 $30,000 -
1.75% 12 $1,000 -
1.74% 12 $2,500 -
1.65% 25 $2,000 -
1.65% 17 $500 -
1.65% - $500 -
1.61% - $2,000 -
1.61% - $1,000 -
1.55% 13 $2,000 -
1.50% - $500 -
1.50% 12 $500 -
1.50% 9 $2,500 -
1.41% - $500 -
1.40% 12 $1 -
1.40% 6 $250 -
1.31% 60 $1 -
1.28% - $500 -
1.25% - $500 -
1.25% - $2,500 -
1.21% - $1,000 -
1.17% - $200 -
1.16% 60 $1 -
1.15% - $1,000 -
1.15% 24 $500 -
1.15% - $2,500 -
1.15% - $1 -
1.11% 60 $1 -
1.10% - $1 -
1.06% - $500 -
1.05% 7 $500 -
1.02% - $1,000 -
1.02% - $500 -
1.01% - $2,500 -
1.01% - $1,000 -
1.00% - $2,000 -
1.00% - $2,000 -
1.00% 13 $1,000 -
1.00% 20 $500 -
1.00% - $500 -
1.00% - $500 -
1.00% - $500 -
1.00% - $500 -
0.95% - $500 -
0.91% - $500 -
0.90% - $500 -
0.90% 60 $1,000 -
0.85% - $1,000 -
0.85% - $1,000 -
0.85% - $1,000 -
0.85% - $100 -
0.84% - $1,000 -
0.80% - $100 -
0.80% - $100 -
0.80% - $500 -
0.75% - $500 -
0.75% - $500 -
0.75% - $500 -
0.75% - $500 -
0.75% - $1,000 -
0.70% - $1,000 -
0.65% - $1,500 -
0.60% - $500 -
0.60% - $500 -
0.60% - $500 -
0.60% 11 $500 -
0.60% - $500 -
0.56% - $500 -
0.51% - $500 -
0.50% - $1,000 -
0.50% - $500 -
0.50% - $500 -
0.50% - $1,000 -
0.50% - $1,000 -
0.50% - $1,000 -
0.50% - $100 -
0.50% - $1,000 -
0.50% - $500 -
0.50% - $2,500 -
0.50% - $500 -
0.46% - $250 -
0.45% - $500 -
0.45% - $1,000 -
0.40% - $1,000 -
0.40% - $500 -
0.40% - $1,000 -
0.40% - $1,000 -
0.40% - $1,000 -
0.40% - $500 -
0.35% - $500 -
0.35% - $500 -
0.35% - $1,000 -
0.30% - $100 -
0.30% - $1 -
0.30% - $500 -
0.30% - $1,000 -
0.30% - $500 -
0.30% - $1,000 -
0.30% - $250 -
0.30% - $1,000 -
0.30% - $1,000 -
0.30% - $500 -
0.30% - $1,000 -
0.25% - $500 -
0.25% - $250 -
0.25% - $500 -
0.25% - $500 -
0.25% - $500 -
0.25% - $1,000 -
0.25% - $1,000 -
0.25% - $1,000 -
0.25% - $500 -
0.20% - $1,000 -
0.20% - $500 -
0.20% 18 $1 -
0.20% - $500 -
0.20% - $1 -
0.20% - $1,000 -
0.20% - $500 -
0.20% - $1,000 -
0.18% - $1,000 -
0.15% - $5,000 -
0.15% - $1,000 -
0.15% - $1,000 -
0.15% - $1 -
0.15% - $500 -
0.10% - $1,000 -
0.10% - $500 -
0.10% - $500 -
0.10% - $1 -
0.10% - $1,000 -
0.07% 12 $2,000 -
0.05% - $1 -
0.03% - $250 -
0.01% - $1 -
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


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PRODUCT INFORMATION


IRA CDs are really just CDs that financial institutions have labeled as such and that they may try to make more attractive with this label and by offering higher rates. They have the same characteristics as other CDs: you agree to let the financial institution use your money for a set period of time in return for a fixed rate. Early withdrawal penalties apply. Moreover, it is important to note, that taking your money out of an IRA as part of your withdrawal can trigger penalties related to your retirement account.

You may also invest IRA funds in a CD that is not labeled an IRA CD. You should therefore check the best CD rates here. With a traditional IRA, your contribution to the account is tax deductible, lowering your taxable income. If you have a Roth IRA, you will not receive a tax deduction for your contribution, but your earnings in the IRA will be tax deferred, as long as you refrain from withdrawals from the IRA until permitted. Most IRAs CDs are fixed-rate CDs. However, some banks offer variable-rate CDs.

More information can be found in BestCashCow's Fixed Rate IRA CD Guide.

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