Best 18-Month CD Rates in New York, NY

You are viewing rates from banks across New York

Below are eighteen-month Certificates of Deposit (CD) rates from banks in New York . Eighteen Month CDs offer a bit more yield than 1-year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

NY - August 4, 2025

18 Month CD National Average : 0.58% ^?

Banks	APY	MIN	MILES ^?
Prime Alliance Bank	4.20%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.00% → 4.20%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Bank5 Connect	4.15%	$500	-	Learn More Add Review
Available in all states except MA/RI.
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More
Merrick Bank	4.15%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.20% → 4.15% → 4.05% → 4.20% → 4.15%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Finworth, a division of InsBank New York Branch	4.15%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 8 months interest. Rate History: 3.75% → 3.85% → 4.30% → 4.20% → 4.15%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Valley Direct, a division of Valley National Bank	4.15%	$500	-	Learn More Add Review
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More
Popular Direct	4.10%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Charles Schwab Bank, SSB	4.10%	$1,000	-	Learn More
Rate History: 4.25% → 4.30% → 4.35% → 4.25% → 4.10%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	4.05%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.85%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.05%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.85% → 4.40% → 3.95% → 4.16% → 4.05%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Colorado Federal Savings Bank	4.05%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months Interest. Rate History: 4.75% → 4.45% → 4.05% → 3.95% → 4.05%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Rising Bank, a division of Midwest BankCentre	4.05%	$5,000	-	Learn More Add Review
One-time bump CD. Early Withdrawal Penalty is 180 days interest. Rate History: 3.90% → 4.15% → 3.95% → 4.20% → 4.05%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Goldman Sachs Bank	4.00%	$500	-	Learn More Add Review
Rate History: 4.10% → 4.00% → 3.90% → 4.10% → 4.00%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Limelight Bank, A division of Capital Community Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%
Savvysaver \| Jun 26, 2020 Rate not current Read More
CFG Bank	4.00%	$500	-	Learn More Add Review
Early Withdrawal penalty is 180 days interest. Rate History: 3.85% → 4.10% → 4.00% → 3.75% → 4.00%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
First Central Savings Bank Main Street Branch	4.00%	$500	-	Learn More Add Review
Rate History: 1.00% → 4.00%
Bask Bank, a division of Texas Capital Bank	4.00%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.20% → 4.00% → 3.90% → 4.00%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
First Internet Bank of Indiana	3.90%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days. Rate History: 4.72% → 4.57% → 4.15% → 4.00% → 3.90%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.87%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.85%	$0	-	Learn More Add Review
Rate History: 3.25% → 3.35% → 3.85%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.80%	$2,500	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 3.80% → 4.00% → 3.80%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
Sallie Mae Bank	3.80%	$2,500	-	Learn More
Earty Withdrawal Penalty is 180 days interest. Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Synchrony Bank	3.80%	$0	-	Learn More Add Review
Rate History: 5.25% → 4.50% → 4.25% → 4.10% → 3.80%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Vio Bank, A Division of MidFirst Bank	3.80%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bread Savings, a division of Bread Financial	3.80%	$1,500	-	Learn More Add Review
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.30% → 4.20% → 3.90% → 4.25% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Canadian Imperial Bank USA	3.76%	$1,000	-	Learn More Add Review
Rate History: 5.17% → 5.26% → 4.90% → 4.47% → 3.76%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Citibank, National Association Lakeland Branch	3.75%	$0	-	Learn More
Rate History: 3.75% → 2.45% → 3.85% → 4.00% → 3.75%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Empire State Bank Empire State Bank Branch	3.75%	$1,000	-	Learn More
Rate History: 4.50% → 3.00% → 4.50% → 4.00% → 3.75%
Papa \| Jul 31, 2020 Reduced savings rate from 1.88% to .75% a day after I deposited a substantial amount of money and no notice given or reduction in rate told to me Read More Reviews (1)
New Millennium Bank Bayside Branch	3.75%	$500	-	Learn More Add Review
Rate History: 4.85% → 4.50% → 4.00% → 4.20% → 3.75%
Ally Bank	3.70%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 3.90% → 3.80% → 3.70%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Capital One 360	3.70%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Capital One, National Association Penn Plaza Branch	3.70%	$0	-	Learn More
Rate History: 4.45% → 4.25% → 3.90% → 3.80% → 3.70%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Ballston Spa National Bank Wilton Office Branch	3.62% 0.45%	$501 $500	-	Learn More Add Review
Rate History: 3.57% → 3.47% → 3.62% → 3.81% → 3.62%
TIAA Bank / Everbank	3.60%	$1,000	-	Learn More Add Review
Rate History: 4.30% → 4.00% → 3.75% → 3.70% → 3.60%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Bank of Hope Flushing-Crocheron Branch	3.60% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 3.95% → 4.10% → 3.80% → 3.79% → 3.60%
NORTY FLATZ \| Dec 3, 2019 Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More Reviews (1)
Ponce Bank Riverdale Branch	3.60%	$1,000	-	Learn More Add Review
Rate History: 4.50% → 4.75% → 4.27% → 3.60%
Ridgewood Savings Bank Bay Ridge Branch	3.55%	$100	-	Learn More
Rate History: 5.00% → 5.05% → 4.15% → 4.10% → 3.55%
an \| Apr 25, 2022 We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More Reviews (5)
Salem Five Direct	3.50% 2.95%	$10,000 $500	-	Learn More Add Review
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 12 months of interest Rate History: 0.55% → 4.50% → 4.75% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
LendingClub Lakeville Rd Branch	3.50%	$2,500	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.75% → 4.40% → 3.75% → 3.50%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Wells Fargo Bank, National Association Park & 40th Branch	3.50%	$5,000	-	Learn More
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
Solvay Bank Cicero Branch	3.50%	$500	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 4.25% → 4.00% → 3.50%
Spring Bank Bronx Branch - Main Headquarters	3.50%	$250	-	Learn More Add Review
Rate History: 5.00% → 4.00% → 3.50%
Cross County Savings Bank Eliot Branch	3.45%	$500	-	Learn More Add Review
Rate History: 3.45% → 3.35% → 3.50% → 3.45%
Maspeth Federal Savings and Loan Association 801 Jericho Turnpike Branch	3.35%	$1,500	-	Learn More Add Review
Rate History: 5.00% → 5.50% → 4.25% → 3.35%
Apple Bank for Savings Sag Harbor Branch	3.25%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.25%
MainStreet Bank	3.25%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 9 months interest. Rate History: 3.25% → 3.00% → 3.25%
IncredibleBank	3.03%	$1,000	-	Learn More Add Review
• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings. Rate History: 0.25% → 0.15% → 3.82% → 3.03%
nonsense \| May 21, 2021 avoid this Read More
Barclays Bank Delaware	3.00%	$0	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.00% → 4.50% → 4.25% → 3.25% → 3.00%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
CIT Bank, a division of First-Citizens Bank and Trust	3.00%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Hanover Community Bank Hanover Community Bank Branch	3.00%	$500	-	Learn More
Rate History: 3.00% → 4.00% → 3.50% → 3.25% → 3.00%
Douglas H \| Feb 5, 2020 The employees of this bank are helpful but the bank's systems and procedures for obtaining your account information STINK. If you want a bank that provides you quarterly (or even annual) statements by mai... Read More Reviews (2)
Habib American Bank Habib American Bank Branch	3.00%	$1,500	-	Learn More
Rate History: 2.65% → 3.00%
Ryan \| Feb 13, 2018 Is it legal to bring someone into the branch and shake them down and threaten them when they want to redeem their CD upon maturity (as opposed to allowing it to automatically renew)? If not, these guys an... Read More Reviews (2)
Dollar Savings Direct, a division of Emigrant Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 3.00% → 2.75%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	2.75%	$0	-	Learn More
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Chesapeake Bank	2.36%	$1,000	-	Learn More Add Review
Rate History: 0.85% → 1.25% → 2.60% → 2.36%
ruler009 \| May 26, 2017 Before009 Read More
Genesee Regional Bank Genesee Regional Bank Branch	2.25%	$500	-	Learn More Add Review
Rate History: 1.00% → 2.25%
Kearny Bank Brooklyn Branch	2.25%	$500	-	Learn More Add Review
JPMorgan Chase Bank, National Association U Of R River Campus Branch	2.00%	$10,000	-	Learn More
Rate History: 3.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More
Rate History: 4.65% → 4.20% → 4.05% → 2.80% → 1.80%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
International Bank of Chicago Port Jervis New York Branch	1.75%	$1,000	-	Learn More
Rate History: 2.00% → 1.75%
Mandy \| May 8, 2021 Location: 5069 N. Broadway Chicago IL 60640 Read More Reviews (5)
Hingham Institution for Savings	1.75%	$1,000	-	Learn More Add Review
Hingham Savings	1.75%	$1,000	-	Learn More Add Review
USAA Federal Savings Bank	1.65%	$1,000	-	Learn More Add Review
Rate History: 4.45% → 2.80% → 1.65%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
PCB Bank Bayside Office Branch	1.51%	$1,000	-	Learn More Add Review
Champlain National Bank Champlain National Bank Branch	1.51%	$500	-	Learn More Add Review
Rate History: 1.50% → 1.51%
United Orient Bank United Orient Bank Branch	1.25%	$500	-	Learn More Add Review
Ulster Savings Bank Poughkeepsie Branch	1.03%	$10,000	-	Learn More Add Review
TD Bank, National Association Latham Branch	1.00%	$10,000	-	Learn More
Rate History: 4.50% → 1.00% → 4.00% → 1.00%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
TrustCo Bank Stuyvesant Plaza Branch	0.92%	$500	-	Learn More
Rate History: 0.10% → 4.25% → 1.50% → 0.92%
Mark Fitzpatrick \| Apr 4, 2016 I been with trustco for years and it is well run. They really are a home town bank. As a small business person i appreciate the business card stand they have in the branches for there customers. I was w... Read More Reviews (1)
Rhinebeck Bank Internet Branch	0.85%	$10,000	-	Learn More
Customer 12603 \| Nov 26, 2018 This is a terrible bank. The employees are rude and do not care. The auto lender ratio is very high, which could affect their bottom number. Don’t use this bank, there are other stable banks in the area ... Read More Reviews (1)
Wallkill Valley Federal Savings and Loan Association Highland Falls Branch	0.76%	$500	-	Learn More Add Review
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso Branch	0.70%	$10,000	-	Learn More Add Review
Hamlin Bank and Trust Company Olean Branch	0.70%	$10,000	-	Learn More Add Review
Amerasia Bank 86-26 Broadway Branch	0.66%	$10,000	-	Learn More
Chang \| Aug 19, 2021 Best Service! Read More Reviews (3)
BNB Bank Melville Branch	0.65%	$10,000	-	Learn More Add Review
The Delaware National Bank of Delhi Margaretville Branch	0.65%	$10,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.65%	$100,000	-	Learn More Add Review
Global Bank Global Bank Branch	0.65%	$10,000	-	Learn More Add Review
Provident Bank	0.60%	$10,000	-	Learn More
Abraham Farber \| May 14, 2015 looking to refinance into a fixed equity 15 yr loan, I have now a 1st Mortg & equity line total of about 218000. looking to get about 360 & pay off the old ones & have extra, I have a 4 unit house were we ... Read More Reviews (1)
Pioneer Bank Malta Branch	0.60%	$10,000	-	Learn More Add Review
Rondout Savings Bank Rondout Savings Bank Branch	0.60%	$10,000	-	Learn More
pessy \| May 22, 2023 The Bank Rondout Savings Bank is SCAM and bad company This is horrible bank , the loans insisted that I must come in the office before they will review my application for loan. But Everything is done onli... Read More Reviews (2)
Walden Savings Bank Florida Branch	0.60%	$10,000	-	Learn More Add Review
Metropolitan Commercial Bank New York Branch	0.60%	$10,000	-	Learn More Add Review
Alma Bank Bayside Branch	0.60%	$10,000	-	Learn More Add Review
First Citizens Community Bank Wellsville Branch	0.55%	$100,000	-	Learn More Add Review
Carthage Federal Savings and Loan Association Clayton Branch	0.50%	$10,000	-	Learn More Add Review
Berkshire Bank Municipal Bank Br Branch	0.50%	$10,000	-	Learn More
Run \| Jan 12, 2021 They put paychecks on hold for a day so don’t expect your paycheck right away and they don’t answer their phones Read More Reviews (2)
PCSB Bank Eastchester Branch	0.50%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Hornell Branch	0.50%	$100,000	-	Learn More Add Review
Peoples Security Bank and Trust Company West Side Branch	0.50%	$1,000	-	Learn More Add Review
Rate History: 0.25% → 0.50%
The Bank of Greene County Tannersville Branch	0.50%	$10,000	-	Learn More Add Review
Carver Federal Savings Bank Flatbush Branch	0.50%	$10,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.50%	$10,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	0.50%	$100,000	-	Learn More Add Review
The Putnam County National Bank of Carmel Putnam Lake Office Branch	0.48%	$10,000	-	Learn More Add Review
The First National Bank of Groton Moravia Branch	0.45%	$100,000	-	Learn More Add Review
Royal Business Bank	0.45%	$10,000	-	Learn More Add Review
CNB Bank Electric Tower Branch	0.43%	$10,000	-	Learn More Add Review
NBT Bank, National Association Cortland Walmart Branch	0.40%	$10,000	-	Learn More Add Review
Tioga State Bank Owego Fifth Avenue Branch	0.40%	$10,000	-	Learn More Add Review
Jeff Bank Jeff Bank Branch	0.40%	$100,000	-	Learn More Add Review
Bank of Millbrook Amenia Branch	0.40%	$10,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	0.40%	$10,000	-	Learn More Add Review
Watertown Savings Bank Alexandria Bay Branch	0.36%	$10,000	-	Learn More Add Review
The First National Bank of Groton Moravia Branch	0.35%	$1,000	-	Learn More Add Review
The Upstate National Bank Rochester Branch	0.35%	$100,000	-	Learn More Add Review
Five Star Bank Henrietta Branch	0.35%	$500	-	Learn More
Delores Thompson, FD Investments - Rochester, NY \| Aug 1, 2016 Currently looking for a list of non- performing loans on properties in the Western, New York area. Not sure where to obtain this information from Five Star, but if you would forward this request to the cor... Read More Reviews (1)
Alden State Bank Lancaster Branch	0.35%	$500	-	Learn More Add Review
Savannah Bank National Association Fair Haven Branch	0.35%	$10,000	-	Learn More Add Review
The Berkshire Bank Harriman Branch	0.35%	$10,000	-	Learn More Add Review
Metro City Bank Bayside Branch	0.33%	$1,000	-	Learn More
thedon \| Mar 29, 2020 have been waiting 8 weeks - yes 8 weeks for a closing date from this bank ..... they keep giving flimsy excuses requesting insignificant and unnecessary paperwork from us ( the seller ) the buyers who know... Read More Reviews (1)
Cathay Bank Elmhurst Branch	0.30%	$50,000	-	Learn More Add Review
Pathfinder Bank Oswego Plaza Branch	0.30%	$10,000	-	Learn More Add Review
The Lyons National Bank Ontario Branch	0.30%	$10,000	-	Learn More
william bridson \| Apr 5, 2024 need to deposit loose change Read More Reviews (1)
First Citizens Community Bank Wellsville Branch	0.30%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Hornell Branch	0.30%	$10,000	-	Learn More Add Review
Wayne Bank Roxbury Branch	0.30%	$10,000	-	Learn More
MoonShadows Farm \| Jan 26, 2024 I have been with Wayne Bank for almost 3 years after moving all of my accounts from Hells Fargo. Since then, I have had so many problems with depositing checks with my iPhone. (phone upgraded twice sinc... Read More Reviews (1)
Jeff Bank Jeff Bank Branch	0.30%	$1,000	-	Learn More Add Review
OneLocal Bank	0.30%	$500	-	Learn More Add Review
Rate History: 0.30% → 1.26% → 0.30%
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
Cayuga Lake National Bank Cayuga Lake National Bank Branch	0.25%	$100,000	-	Learn More Add Review
The First National Bank of Dryden Cortland Branch	0.25%	$10,000	-	Learn More
Robert Wilson \| Sep 13, 2018 I was going to open an account, but turned around and walked out when they told me it will take 90 Days to get my Debit Card? Really? 90 Days?? NO THANKS. I went to their Competitor!!! Read More Reviews (1)
Seneca Savings Seneca Savings Branch	0.25%	$10,000	-	Learn More Add Review
Shinhan Bank America Shinhan Bank America Branch	0.25%	$10,000	-	Learn More
Lori Kroko \| Mar 10, 2021 I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More Reviews (1)
KEB Hana Bank USA, National Association Fifth Avenue Branch	0.25%	$10,000	-	Learn More Add Review
Lake Shore Savings Bank East Amherst Branch	0.20%	$500	-	Learn More Add Review
Adirondack Bank Holland Patent Branch	0.20%	$1,000	-	Learn More
Rate History: 3.25% → 0.20%
Ed \| Jan 5, 2018 BEWARE of their Home Equity Loan practices. Towards the end of the process, after you've complied with all their requests and are on the hook for lots of fees if you cancel, they demand that all of your cr... Read More Reviews (1)
Chemung Canal Trust Company Seneca Falls Branch	0.20%	$10,000	-	Learn More Add Review
Cayuga Lake National Bank Cayuga Lake National Bank Branch	0.20%	$10,000	-	Learn More Add Review
Webster Bank, National Association Yonkers Branch	0.20%	$10,000	-	Learn More Add Review
Northwest Bank Northwest Bank Branch	0.18%	$10,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
OceanFirst Bank, National Association	0.15%	$500	-	Learn More Add Review
Cattaraugus County Bank Fairmount Avenue Branch	0.15%	$10,000	-	Learn More
Kimber0122 \| Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More Reviews (1)
The North Country Savings Bank Greene And Caroline Streets Branch	0.10%	$500	-	Learn More Add Review
BankUnited, National Association Avenue Of The Americas Branch	0.10%	$1,000	-	Learn More Add Review
Community Bank, National Association Hamilton Branch	0.10%	$100,000	-	Learn More Add Review
Tompkins Community Bank Cornell Campus Store Branch	0.10%	$1,000	-	Learn More Add Review
East West Bank 77 Bowery Branch	0.10%	$10,000	-	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
KeyBank National Association Keybank National Association Branch	0.05%	$10,000	-	Learn More
Rate History: 4.75% → 0.01% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
Community Bank, National Association Hamilton Branch	0.05%	$10,000	-	Learn More Add Review
Cattaraugus County Bank Fairmount Avenue Branch	0.05%	$100,000	-	Learn More
Kimber0122 \| Jan 12, 2018 I've been with this bank for years; it used to be great, with good customer service that made up the for inconvenience of small-town banking with few locations. However, they recently switched to a new on... Read More Reviews (1)
U.S. Bank National Association	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)
PNC Bank, National Association 11 Penn Plaza Branch	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Goldens Bridge Branch	0.03%	$100,000	-	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
OneWest Bank, a division of First-Citizens Bank and Trust	0.02%	$500	-	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116

Branch	Street	City	State
Finworth, a division of InsBank New York Branch	1 Rockefeller Plaza	New York	NY
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	499 Park Avenue	New York	NY
First Central Savings Bank Main Street Branch	72-76 Main Street	Flushing	NY
Citibank, National Association Lakeland Branch	3131 East Main Street	Mohegan Lake	NY
Empire State Bank Empire State Bank Branch	68 North Plank Road	Newburgh	NY
New Millennium Bank Bayside Branch	209-35 Northern Boulevard	Bayside	NY
Capital One, National Association Penn Plaza Branch	One Penn Plaza	New York	NY
Ballston Spa National Bank Wilton Office Branch	Route 9	Wilton	NY
Bank of Hope Flushing-Crocheron Branch	162-05 Crocheron Ave	Flushing	NY
Ponce Bank Riverdale Branch	5560 Broadway	Bronx	NY
Ridgewood Savings Bank Bay Ridge Branch	8522 Third Avenue	Brooklyn	NY
LendingClub Lakeville Rd Branch	2020 Lakeville Rd	New Hyde Park	NY
Wells Fargo Bank, National Association Park & 40th Branch	99 Park Avenue	New York	NY
Solvay Bank Cicero Branch	7895 Brewerton Road	Cicero	NY
Spring Bank Bronx Branch - Main Headquarters	69 East 167th Street	Bronx	NY
Cross County Savings Bank Eliot Branch	80-10 Eliot Avenue	Middle Village	NY
Maspeth Federal Savings and Loan Association 801 Jericho Turnpike Branch	801 Jericho Turnpike	New Hyde Park	NY
Apple Bank Sag Harbor Branch	138 Main Street	Sag Harbor	NY
Hanover Community Bank Hanover Community Bank Branch	2131 Jericho Turnpike	Garden City Park	NY
Habib American Bank Habib American Bank Branch	99 Madison Avenue	New York	NY
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	499 Park Avenue	New York	NY
Genesee Regional Bank Genesee Regional Bank Branch	1850 South Winton Rd	Rochester	NY
Kearny Bank Brooklyn Branch	689 Fifth Ave	Brooklyn	NY
JPMorgan Chase Bank, National Association U Of R River Campus Branch	500 Joseph C Wilson Boulevard	Rochester	NY
International Bank of Chicago Port Jervis New York Branch	2 West Main Street	Port Jervis	NY
PCB Bank Bayside Office Branch	220-34 And 220-36 Northern Blvd	Bayside	NY
Champlain National Bank Champlain National Bank Branch	7558 Us Route 9	Elizabethtown	NY
United Orient Bank United Orient Bank Branch	185 Canal Street	New York City	NY
Ulster Savings Bank Poughkeepsie Branch	39 Burnett Blvd	Poughkeepsie	NY
TD Bank, National Association Latham Branch	One Old Loudon Road	Latham	NY
TrustCo Bank Stuyvesant Plaza Branch	Western Avenue At Fuller Road	Albany	NY
Rhinebeck Bank Internet Branch	Jefferson Plaza, 2 Jefferson Street	Poughkeepsie	NY
Wallkill Valley Federal Savings and Loan Association Highland Falls Branch	252 Main Street	Highland Falls	NY
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso Branch	2208 West Genesee St	Syracuse	NY
Hamlin Bank and Trust Company Olean Branch	2102 West State Street	Olean	NY
Amerasia Bank 86-26 Broadway Branch	86-26 Broadway	Elmhurst	NY
Dime Community Bank Melville Branch	859 Walt Whitman Road	Melville	NY
The Delaware National Bank of Delhi Margaretville Branch	42568 Route 28	Margaretville	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Global Bank Global Bank Branch	8 Catherine Street	New York	NY
Pioneer Bank, National Association Malta Branch	10 Kendall Way	Malta	NY
Rondout Savings Bank Rondout Savings Bank Branch	300 Broadway	Kingston	NY
Walden Savings Bank Florida Branch	95 N Main St	Florida	NY
Metropolitan Commercial Bank New York Branch	99 Park Avenue	New York	NY
Alma Bank Bayside Branch	Northern Boulevard	Bayside	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
Carthage Savings and Loan, National Association Clayton Branch	325 State Street	Clayton	NY
Berkshire Bank Municipal Bank Br Branch	41 State Street	Albany	NY
PCSB Bank Eastchester Branch	478 White Plains Road	Eastchester	NY
Citizens & Northern Bank Hornell Branch	6250 County Route 64	Hornell	NY
Peoples Security Bank and Trust Company West Side Branch	275 Main St	Binghamton	NY
The Bank of Greene County Tannersville Branch	6176 Main Street	Tannersville	NY
Carver Federal Savings Bank Flatbush Branch	833 Flatbush Avenue	Brooklyn	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	5714 8th Avenue (At 57th Street)	Brooklyn	NY
The Putnam County National Bank of Carmel Putnam Lake Office Branch	89 Haviland Drive	Patterson	NY
The First National Bank of Groton Moravia Branch	41 South Main Street	Moravia	NY
Ballston Spa National Bank Wilton Office Branch	Route 9	Wilton	NY
CNB Bank Electric Tower Branch	535 Washington Street, Suite 101	Buffalo	NY
NBT Bank, National Association Cortland Walmart Branch	819 Bernie Road (Route 13)	Cortland	NY
Tioga State Bank National Association Owego Fifth Avenue Branch	923 State Route 17c	Owego	NY
Jeff Bank Jeff Bank Branch	85 Main Street	Bloomingburg	NY
Bank of Millbrook Amenia Branch	5094 Route 22	Amenia	NY
Industrial and Commercial Bank of China USA, National Association Brooklyn Branch	5714 8th Avenue (At 57th Street)	Brooklyn	NY
Watertown Savings Bank Alexandria Bay Branch	4 Market Street	Alexandria Bay	NY
The First National Bank of Groton Moravia Branch	41 South Main Street	Moravia	NY
The Upstate National Bank Rochester Branch	150 State Street, Third Floor	Rochester	NY
Five Star Bank Henrietta Branch	765 Calkins Road	Rochester	NY
Alden State Bank Lancaster Branch	5802 Broadway	Lancaster	NY
Savannah Bank National Association Fair Haven Branch	563 Main Street	Fair Haven	NY
The Berkshire Bank Harriman Branch	80 Route 17m	Harriman	NY
Metro City Bank Bayside Branch	212-45 Northern Boulevard	Bayside	NY
Bank of Hope Flushing-Crocheron Branch	162-05 Crocheron Ave	Flushing	NY
Cathay Bank Elmhurst Branch	82-62 Broadway	New York City	NY
Pathfinder Bank Oswego Plaza Branch	291 State Route 104 East	Oswego	NY
The Lyons National Bank Ontario Branch	6280 Furnace Road, Suite 200	Ontario	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
Citizens & Northern Bank Hornell Branch	6250 County Route 64	Hornell	NY
Wayne Bank Roxbury Branch	53898 State Highway 30	Roxbury	NY
Jeff Bank Jeff Bank Branch	85 Main Street	Bloomingburg	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
The First National Bank of Dryden Cortland Branch	853 Route 13	Cortland	NY
Seneca Savings Seneca Savings Branch	35 Oswego St	Baldwinsville	NY
Shinhan Bank America Shinhan Bank America Branch	330 Fifth Avenue, 4th Floor	New York	NY
Hana Bank USA, National Association Fifth Avenue Branch	309 5th Avenue	New York	NY
Lake Shore Savings Bank East Amherst Branch	5751 Transit Road	East Amherst	NY
Adirondack Bank Holland Patent Branch	9576 Main Street	Holland Patent	NY
Chemung Canal Trust Company Seneca Falls Branch	54 Fall Street	Seneca Falls	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
Webster Bank, National Association Yonkers Branch	760 Mclean Ave	Yonkers	NY
Northwest Bank Northwest Bank Branch	Eastern Hills Mall, 4545 Transit Road	Williamsville	NY
Cattaraugus County Bank Fairmount Avenue Branch	870 Fairmount Avenue	Jamestown	NY
The North Country Savings Bank Greene And Caroline Streets Branch	Greene And Caroline Streets	Ogdensburg	NY
BankUnited, National Association Avenue Of The Americas Branch	960 6th Avenue Of The Americas	New York	NY
Community Bank, National Association Hamilton Branch	35 Broad Street	Hamilton	NY
Tompkins Community Bank Cornell Campus Store Branch	Central Avenue	Ithaca	NY
East West Bank 77 Bowery Branch	77 Bowery	New York	NY
KeyBank National Association Keybank National Association Branch	155 Wolf Road	Albany	NY
Community Bank, National Association Hamilton Branch	35 Broad Street	Hamilton	NY
Cattaraugus County Bank Fairmount Avenue Branch	870 Fairmount Avenue	Jamestown	NY
PNC Bank, National Association 11 Penn Plaza Branch	Seventh Avenue And West 31st Street	New York	NY
Bank of America, National Association Goldens Bridge Branch	Route 22	Goldens Bridge	NY

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PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 18 month period.
FDIC insurance.
Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for 18 months. Removing it early results in significant penalties.
Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

SAVINGS & CD CALCULATOR

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New York CD Rates – 18-Month

Branches Info around zip 10116

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

The advantages of an eighteen month CD are:

The disadvantages of an eighteen month branch CDs are:

SAVINGS & CD CALCULATOR

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