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Image Courtesy: pixabay.com
You are viewing rates from banks across Salamanca
Below are the best six-month CD Rates from banks with branches in Salamanca, New York . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.
Salamanca, NY - November 1, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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5.00% |
$500 |
1.04 |
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Rate History: 0.20% → 5.00% |
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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 |
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4.15% |
$1,000 |
- |
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Rate History: 4.75% → 4.65% → 4.35% → 4.30% → 4.15% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.15% |
$25,000 |
23.26 |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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4.10% |
$1,001 |
7.96 |
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Rate History: 4.90% → 4.75% → 4.50% → 5.00% → 4.10% |
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Claire blankinship | Aug 5, 2020 I used to go to M&T when it was still Provident Bank. M&T has been very responsive to my needs and I have been pleased with the banking experience. Read More |
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3.90% |
$10,000 |
- |
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Rate History: 4.30% → 4.15% → 4.10% → 4.00% → 3.90% |
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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 |
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3.90% |
$2,500 |
- |
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Rate History: 4.25% → 4.30% → 3.95% → 4.15% → 3.90% |
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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 |
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3.90% |
$500 |
15.69 |
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Rate History: 4.50% → 4.20% → 4.10% → 4.00% → 3.90% |
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2.75% |
$500 |
15.15 |
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Rate History: 3.35% → 3.00% → 2.75% |
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Jabbroadway42 | Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More |
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0.60% |
$10,000 |
15.90 |
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0.20% |
$1,000 |
- |
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.08% |
$100,000 |
11.62 |
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0.05% |
$2,500 |
16.94 |
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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 |
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0.05% |
$10,000 |
22.07 |
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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 |
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0.03% |
$10,000 |
11.62 |
Learn More
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| Branch | Street | City | State |
|---|---|---|---|
|
Five Star Bank Salamanca Branch |
107 Main Street | Salamanca | NY |
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Citizens Springville/Tops Branch |
184 South Cascade Drive | Springville | NY |
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Manufacturers and Traders Trust Company Ellicottville Branch |
3 Washington Street | Ellicottville | NY |
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Northwest Bank Olean Branch |
2513 West State Street | Olean | NY |
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Woodforest National Bank 8035 Olean Branch |
1869 Plaza Drive | Olean | NY |
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Hamlin Bank and Trust Company Olean Branch |
2102 West State Street | Olean | NY |
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Community Bank, National Association Randolph Branch |
122 Main Street | Randolph | NY |
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KeyBank National Association Olean Mall Branch |
450 North Union Street | Olean | NY |
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Cattaraugus County Bank South Dayton Branch |
517 Pine Street | South Dayton | NY |
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Community Bank, National Association Randolph Branch |
122 Main Street | Randolph | NY |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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