New York

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New York CD Rates

You are viewing rates from banks across New York





Below are the best one-year CD Rates from banks in New York. One-year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

NY - July 30, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.35% → 4.55% → 4.35% → 4.20% → 4.46%

| 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

Warning: Early Withdrawal Penalty is 270 days interest.
Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%

| 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

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.50% → 4.45% → 4.40% → 4.00% → 4.40%

| 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

Rate History: 5.41% → 5.15% → 5.04% → 4.58% → 4.37%

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.10% → 4.35% → 4.25% → 4.05% → 4.35%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Early Withdrawal Penalty is 30 days interest.
Rate History: 4.75% → 4.50% → 4.45% → 4.25% → 4.30%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.40% → 4.25% → 4.40% → 4.30%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

Rate History: 5.15% → 4.70% → 4.20% → 4.00% → 4.25%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%

| Jun 26, 2020

Rate not current Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.25% → 4.15% → 4.25% → 4.45% → 4.21%

| Aug 26, 2022

Too slow to raise rates. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.84% → 4.42% → 4.20% → 4.40% → 4.19%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 4.25% → 4.15% → 4.00% → 4.15%

| 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

Rate History: 4.75% → 5.00% → 4.50% → 4.25% → 4.15%

| Oct 29, 2018

I believe you must live in Utica or surrounding area to qualify for opening an account with them - I inquired a few years ago Read More

Rate History: 4.30% → 4.20% → 4.10% → 4.25% → 4.10%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.02% → 4.85% → 4.25% → 4.21% → 4.10%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%

| Nov 21, 2023

A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More

Early Withdrawal Penalty is 3 months interest.
Rate History: 5.18% → 5.02% → 5.18% → 4.30% → 4.08%

| Jun 1, 2021

Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More

Early Withdrawal Penalty is 30 days interest.
Rate History: 4.56% → 4.43% → 4.31% → 4.21% → 4.01%

| 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

Early Withdrawal Penalty is 3 months interest.
Rate History: 4.50% → 4.20% → 4.00% → 4.10% → 4.00%

| 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

Rate History: 4.90% → 4.80% → 4.70% → 4.10% → 4.00%

| 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

Early Withdrawal Penalty is 6 months interest.
Rate History: 5.15% → 5.00% → 4.25% → 4.15% → 4.00%

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.20% → 3.00% → 4.90% → 4.55% → 4.75%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.60% → 4.50% → 4.40% → 4.20% → 4.00%

| 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

Rate History: 5.25% → 5.45% → 4.15% → 4.00%

| Jun 25, 2022

I've been in and out of igo. I usually carry a large balance when they are rate competitive (half the time) and move by money somewhere else when they aren't (the other half). The $3,000 transfer limit is ... Read More

Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%

| 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

| Dec 2, 2022

No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More

Rate History: 4.50% → 4.25% → 4.00%

| May 11, 2023

They made mistakes twice and would not correct them Read More

Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More

4.00%

$10,000

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Rate History: 1.81% → 4.85% → 4.75% → 4.30% → 4.00%

| Nov 3, 2023

site does not update at all, totally wrong rates listed Read More

Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More

Rate History: 4.50% → 4.45% → 4.20% → 4.25% → 4.00%

| 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

Rate History: 4.75% → 4.50% → 4.00%

Rate History: 5.00% → 4.70% → 4.20% → 4.25% → 4.00%

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.90% → 4.40% → 4.30% → 4.10% → 4.00%

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Rate History: 5.00% → 4.50% → 4.00% → 4.25% → 4.00%

Rate History: 4.25% → 3.95%

Rate History: 4.40% → 4.30% → 4.10% → 4.00% → 3.90%

| Apr 14, 2020

I call HSBC they told me they don't have 1.85 1 year CD. current CD is 0.8 / year Read More

Rate History: 5.00% → 5.25% → 5.60% → 4.30% → 3.90%

| 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

Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%

| Nov 18, 2023

bank delayed 1-2days to credit into your account, pay less interest. Read More

Early Withdrawal Penalty is 1% of principal.

| 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

Rate History: 4.25% → 4.10% → 4.00% → 3.90% → 3.85%

| 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

Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 4.25% → 4.30% → 4.25% → 3.85%

| 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

Rate History: 4.50% → 5.00% → 4.50% → 4.25% → 3.85%

| 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

3.82%

$1,000

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Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.70% → 4.10% → 4.00% → 3.90% → 3.80%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%

| 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

Rate History: 4.70% → 4.65% → 4.50% → 4.20% → 3.79%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.60% → 4.40% → 4.10% → 4.00% → 3.75%

| 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

Rate History: 2.95% → 3.75%

| 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

Rate History: 1.50% → 1.75% → 4.00% → 3.85% → 3.75%

Rate History: 4.50% → 4.25% → 3.85% → 4.00% → 3.75%

| Jun 15, 2017

Just a great group of people to interact with at the Mineola branch. Been working with them for years. Everybody at all of the branches has always been a pleasure. Read More

Rate History: 1.25% → 2.00% → 1.25% → 4.25% → 3.75%

| Apr 30, 2019

No issues. I feel confident using them. Read More

Rate History: 4.00% → 4.50% → 4.00% → 3.75%

| Jan 28, 2025

4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More

Rate History: 3.82% → 4.25% → 1.46% → 3.70% → 3.65%

Rate History: 3.50% → 4.25% → 3.95% → 3.70% → 3.65%

Rate History: 4.00% → 3.00% → 3.65%

• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings.
Rate History: 5.17% → 5.00% → 4.08% → 4.06% → 3.55%

| May 21, 2021

avoid this Read More

Rate History: 3.85% → 3.64% → 3.54%

Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%

| May 19, 2018

Experience Read More

Warning: Early Withdrawal Penalty is 12 Months interest.
Rate History: 5.60% → 5.30% → 4.75% → 4.00% → 3.50%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%

| Nov 18, 2023

bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More

Rate History: 1.10% → 3.50%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

Rate History: 4.55% → 4.50% → 4.40% → 3.75% → 3.50%

Rate History: 4.25% → 4.00% → 3.75% → 3.50%

| May 11, 2023

They made mistakes twice and would not correct them Read More

Rate History: 4.80% → 3.00% → 3.25% → 3.75% → 3.50%

Rate History: 4.00% → 3.50%

Rate History: 3.70% → 3.80% → 4.05% → 4.00% → 3.50%

Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 4.12% → 4.39% → 4.01% → 3.49%

Rate History: 3.75% → 4.50% → 4.00% → 3.50% → 3.35%

| 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

Rate History: 3.85% → 3.60% → 3.85% → 3.50% → 3.25%

| 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

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.25% → 3.75% → 4.25% → 4.10% → 3.25%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 5.00% → 5.00% → 3.50% → 3.25%

| 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

Warning: Early Withdrawal Penalty equals one year of interest.
Rate History: 5.30% → 4.50% → 4.00% → 3.25%

| Mar 17, 2023

STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More

Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%

| 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

Rate History: 3.09% → 3.14% → 3.09% → 3.04% → 3.09%

| 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

Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%

| 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

Rate History: 1.20% → 3.00%

| 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

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

Rate History: 1.00% → 2.91%

| Mar 2, 2024

Attracted to the name, but the service had too many steps so I didn't open an account. Read More

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 0.75% → 3.00% → 2.85% → 3.00% → 2.75%

| May 26, 2017

Before009 Read More

Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 4.05% → 2.50%

Rate History: 3.04% → 2.48%

Rate History: 0.75% → 2.25%

Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%

| 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

Rate History: 0.05% → 2.00%

| Jul 28, 2020

Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More

Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

Rate History: 2.00% → 1.50% → 3.25% → 2.00%

| 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

Rate History: 4.65% → 3.00% → 1.80%

| 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

Rate History: 2.00% → 1.75%

| May 8, 2021

Location: 5069 N. Broadway Chicago IL 60640 Read More

Rate History: 0.69% → 0.67% → 0.89% → 1.03% → 1.57%

| Oct 1, 2017

Will play games with your account. changing posting dates and times. Will hold direct deposit so you overdraft your account. Read More

Rate History: 1.50% → 1.51%

Rate History: 3.95% → 3.90% → 3.85% → 3.75% → 1.50%

| 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

Rate History: 1.25% → 2.00% → 1.25%

Rate History: 1.65% → 1.01% → 4.15% → 1.01%

| 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

Rate History: 0.75% → 0.30% → 0.75%

0.70%

$10,000

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| 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

0.65%

$10,000

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0.65%

$100,000

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0.65%

$10,000

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0.61%

$500

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0.60%

$10,000

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| Aug 19, 2021

Best Service! Read More

0.55%

$1,000

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0.55%

$100,000

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0.55%

$10,000

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0.50%

$1,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$100,000

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| 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

0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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0.50%

$10,000

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Rate History: 0.45% → 2.02% → 0.45%

| Aug 28, 2022

Rates are totally uncompetitive now. Read More

0.45%

$10,000

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| Apr 5, 2024

need to deposit loose change Read More

Rate History: 0.25% → 0.45%

0.45%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$10,000

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0.40%

$100,000

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0.38%

$10,000

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0.35%

$10,000

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0.35%

$500

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| 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

| 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

0.30%

$100,000

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0.30%

$1,000

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0.30%

$10,000

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| 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

0.30%

$10,000

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0.30%

$10,000

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| 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

0.30%

$100,000

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0.30%

$10,000

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| Jul 7, 2016

I first dealt with Mrs. Bosch at OCTC in 1975. You will not find a bank who will treat you with the respect and truthfulness a customer deserves. Read More

0.30%

$10,000

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| Apr 27, 2018

Best Rates and service in the area!!! Read More

Early Withdrawal Penalty is 181 days interest.

| 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

| 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

0.25%

$500

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0.25%

$10,000

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0.25%

$100,000

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| Mar 28, 2022

Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More

0.20%

$10,000

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| May 30, 2020

Terrible bank. Very rude to their customers and treat you as if you are unimportant. I started a new job and my direct deposit did not go into effect yet. I deposited my paycheck 3 weeks in a row and on th... Read More

0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$1,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$10,000

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0.15%

$500

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| 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

| 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

0.15%

$10,000

-

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| Dec 30, 2018

Garden14 Read More

0.10%

$500

-

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| 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

0.10%

$100,000

-

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0.10%

$10,000

-

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| 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

| 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

0.07%

$100,000

-

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| 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

0.05%

$10,000

-

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| 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

| 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

| 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

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 10007


Branch Street City State
Finworth, a division of InsBank
New York Branch
1 Rockefeller Plaza New York NY
State Bank of India
State Bank Of India Branch
460 Park Avenue New York NY
Bank of Utica
Bank Of Utica Branch
222 Genesee Street Utica NY
M.Y. Safra Bank
M.Y. Safra Bank, Fsb Branch
499 Park Avenue New York NY
Capital One, National Association
Penn Plaza Branch
One Penn Plaza New York NY
Valley National Bank
Port Washington Branch
960 Port Washington Blvd. Port Washington NY
Santander Bank, N.A.
Garden City Branch
998 Franklin Avenue Garden City NY
Empire State Bank
Empire State Bank Branch
68 North Plank Road Newburgh NY
First Central Savings Bank
Main Street Branch
72-76 Main Street Flushing NY
Eastbank, National Association
Eastbank, National Association Branch
183 Centre Street New York NY
New Millennium Bank
Bayside Branch
209-35 Northern Boulevard Bayside NY
Spring Bank
Bronx Branch - Main Headquarters
69 East 167th Street Bronx NY
Ponce Bank
Riverdale Branch
5560 Broadway Bronx NY
HSBC Bank USA, National Association
Carle Place Branch
One Old Country Road Carle Place NY
Ridgewood Savings Bank
Bay Ridge Branch
8522 Third Avenue Brooklyn NY
Hanover Community Bank
Hanover Community Bank Branch
2131 Jericho Turnpike Garden City Park NY
Bank of Hope
Flushing-Crocheron Branch
162-05 Crocheron Ave Flushing NY
LendingClub
Lakeville Rd Branch
2020 Lakeville Rd New Hyde Park NY
Solvay Bank
Cicero Branch
7895 Brewerton Road Cicero NY
Flushing Bank
7102 3rd Avenue Branch
7102 3rd Avenue Brooklyn NY
Amalgamated Bank
Morris Heights Branch
94 Burnside Avenue Bronx NY
Maspeth Federal Savings and Loan Association
801 Jericho Turnpike Branch
801 Jericho Turnpike New Hyde Park NY
TD Bank, National Association
Latham Branch
One Old Loudon Road Latham NY
Northwest Bank
Northwest Bank Branch
Eastern Hills Mall, 4545 Transit Road Williamsville NY
Santander Bank, N.A.
Garden City Branch
998 Franklin Avenue Garden City NY
BankUnited, National Association
Avenue Of The Americas Branch
960 6th Avenue Of The Americas New York NY
Apple Bank
Sag Harbor Branch
138 Main Street Sag Harbor NY
Cross County Savings Bank
Eliot Branch
80-10 Eliot Avenue Middle Village NY
CTBC Bank Corp. (USA)
Brooklyn Branch
54-18 8th Avenue Brooklyn NY
Citizens
Clifton Park Branch
One Municipal Plaza Clifton Park NY
Massena Savings and Loan
Massena Savings And Loan Branch
255 Main Street Massena NY
Manufacturers and Traders Trust Company
Bayport Branch
903 Montauk Highway Bayport NY
Quontic Bank
Quontic Bank Branch
31-05 Broadway Astoria NY
Bank of America, National Association
Goldens Bridge Branch
Route 22 Goldens Bridge NY
Adirondack Bank
Holland Patent Branch
9576 Main Street Holland Patent NY
Citibank, National Association
Lakeland Branch
3131 East Main Street Mohegan Lake 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
Woodforest National Bank
8034 Village Of Newark New York Walm Branch
6788 Rt 31 East Newark NY
Kearny Bank
Brooklyn Branch
689 Fifth Ave Brooklyn NY
City National Bank
400 Park Branch
400 Park Avenue New York NY
Genesee Regional Bank
Genesee Regional Bank Branch
1850 South Winton Rd Rochester NY
Sunnyside Federal Savings and Loan Association of Irvington
Sunnyside Federal Savings And Loan A Branch
56 Main St Irvington NY
JPMorgan Chase Bank, National Association
U Of R River Campus Branch
500 Joseph C Wilson Boulevard Rochester NY
Wells Fargo Bank, National Association
Park & 40th Branch
99 Park Avenue New York NY
International Bank of Chicago
Port Jervis New York Branch
2 West Main Street Port Jervis NY
First National Bank of Scotia
Guilderland-Westmere Branch
8 Karner Road Guilderland NY
Champlain National Bank
Champlain National Bank Branch
7558 Us Route 9 Elizabethtown NY
TrustCo Bank
Stuyvesant Plaza Branch
Western Avenue At Fuller Road Albany NY
PCB Bank
Bayside Office Branch
220-34 And 220-36 Northern Blvd Bayside NY
Northfield Bank
Bay Ridge Branch
8512 Third Avenue Brooklyn NY
United Orient Bank
United Orient Bank Branch
185 Canal Street New York City NY
Rhinebeck Bank
Internet Branch
Jefferson Plaza, 2 Jefferson Street Poughkeepsie NY
Hamlin Bank and Trust Company
Olean Branch
2102 West State Street Olean NY
Shinhan Bank America
Shinhan Bank America Branch
330 Fifth Avenue, 4th Floor New York NY
Geddes Federal Savings and Loan Association
Geddes Federal Savings And Loan Asso Branch
2208 West Genesee St Syracuse NY
Hanmi Bank
Manhattan Branch
325 Fifth Avenue New York NY
Global Bank
Global Bank Branch
8 Catherine Street New York NY
Wallkill Valley Federal Savings and Loan Association
Highland Falls Branch
252 Main Street Highland Falls NY
Dime Community Bank
Melville Branch
859 Walt Whitman Road Melville NY
Amerasia Bank
86-26 Broadway Branch
86-26 Broadway Elmhurst NY
Abacus Federal Savings Bank
Abacus Federal Savings Bank Branch
6 Bowery New York NY
First Citizens Community Bank
Wellsville Branch
10 South Main Street Wellsville NY
The Delaware National Bank of Delhi
Margaretville Branch
42568 Route 28 Margaretville NY
NorthEast Community Bank
590 East 187th Street Branch
590 East 187th Street Bronx NY
Carthage Savings and Loan, National Association
Clayton Branch
325 State Street Clayton NY
Maple City Savings Bank, FSB
Maple City Savings Bank, Fsb Branch
145 Main Street Hornell NY
Citizens & Northern Bank
Hornell Branch
6250 County Route 64 Hornell NY
Rondout Savings Bank
Rondout Savings Bank Branch
300 Broadway Kingston NY
Sawyer Savings Bank
Sawyer Savings Bank Branch
87 Market Street Saugerties NY
Ulster Savings Bank
Poughkeepsie Branch
39 Burnett Blvd Poughkeepsie NY
Walden Savings Bank
Florida Branch
95 N Main St Florida NY
Esquire Bank, National Association
Esquire Bank, National Association Branch
320 Old Country Rd. Garden City NY
Metropolitan Commercial Bank
New York Branch
99 Park Avenue New York NY
Alma Bank
Bayside Branch
Northern Boulevard Bayside NY
Hanmi Bank
Manhattan Branch
325 Fifth Avenue New York NY
Ballston Spa National Bank
Wilton Office Branch
Route 9 Wilton NY
PCSB Bank
Eastchester Branch
478 White Plains Road Eastchester NY
The Lyons National Bank
Ontario Branch
6280 Furnace Road, Suite 200 Ontario 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
NBT Bank, National Association
Cortland Walmart Branch
819 Bernie Road (Route 13) Cortland NY
The First National Bank of Groton
Moravia Branch
41 South Main Street Moravia NY
CTBC Bank Corp. (USA)
Brooklyn Branch
54-18 8th Avenue Brooklyn NY
The Citizens National Bank of Hammond
Cnb Morristown Branch
405 Main Street Morristown NY
The Berkshire Bank
Harriman Branch
80 Route 17m Harriman NY
Carver Federal Savings Bank
Flatbush Branch
833 Flatbush Avenue Brooklyn NY
Industrial and Commercial Bank of China USA, National Association
Brooklyn Branch
5714 8th Avenue (At 57th Street) Brooklyn NY
CNB Bank
Electric Tower Branch
535 Washington Street, Suite 101 Buffalo NY
Pioneer Bank, National Association
Malta Branch
10 Kendall Way Malta NY
Alden State Bank
Lancaster Branch
5802 Broadway Lancaster NY
Metro City Bank
Bayside Branch
212-45 Northern Boulevard Bayside NY
Bank of Hope
Flushing-Crocheron Branch
162-05 Crocheron Ave Flushing NY
The Upstate National Bank
Rochester Branch
150 State Street, Third Floor Rochester NY
The First National Bank of Groton
Moravia Branch
41 South Main Street Moravia NY
Cathay Bank
Elmhurst Branch
82-62 Broadway New York City NY
Watertown Savings Bank
Alexandria Bay Branch
4 Market Street Alexandria Bay NY
Five Star Bank
Henrietta Branch
765 Calkins Road Rochester 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
Bank of Millbrook
Amenia Branch
5094 Route 22 Amenia NY
Orange Bank & Trust Company
Chester Branch
91 Brookside Avenue Chester NY
Industrial and Commercial Bank of China USA, National Association
Brooklyn Branch
5714 8th Avenue (At 57th Street) Brooklyn NY
Generations Bank
Phelps Branch
89 Main Street Phelps NY
The First National Bank of Dryden
Cortland Branch
853 Route 13 Cortland NY
Fulton Savings Bank
Village Green Branch
State Fair And Village Blvds. South Van Buren Township NY
Savannah Bank National Association
Fair Haven Branch
563 Main Street Fair Haven NY
Cayuga Lake National Bank
Cayuga Lake National Bank Branch
3 Cayuga Street Union Springs NY
Arrow Bank National Association
Ticonderoga Drive-In Branch
Wicker Street Ticonderoga NY
The Adirondack Trust Company
Malta Branch
Route 9 Malta 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
Seneca Savings
Seneca Savings Branch
35 Oswego St Baldwinsville NY
Jeff Bank
Jeff Bank Branch
85 Main Street Bloomingburg NY
The Putnam County National Bank of Carmel
Putnam Lake Office Branch
89 Haviland Drive Patterson NY
Webster Bank, National Association
Yonkers Branch
760 Mclean Ave Yonkers 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
Berkshire Bank
Municipal Bank Br Branch
41 State Street Albany NY
Pathfinder Bank
Oswego Plaza Branch
291 State Route 104 East Oswego NY
The North Country Savings Bank
Greene And Caroline Streets Branch
Greene And Caroline Streets Ogdensburg NY
Community Bank, National Association
Hamilton Branch
35 Broad Street Hamilton NY
Gouverneur Savings and Loan Association
Gouverneur Savings And Loan Associat Branch
42 Church Street Gouverneur NY
Cattaraugus County Bank
Fairmount Avenue Branch
870 Fairmount Avenue Jamestown NY
East West Bank
77 Bowery Branch
77 Bowery New York NY
Alpine Capital Bank
Alpine Capital Bank Branch
680 Fifth Avenue, 7th Floor New York NY
KeyBank National Association
Keybank National Association Branch
155 Wolf Road Albany NY
TD Bank, National Association
Latham Branch
One Old Loudon Road Latham NY
Community Bank, National Association
Hamilton Branch
35 Broad Street Hamilton NY
Tompkins Community Bank
Cornell Campus Store Branch
Central Avenue Ithaca 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


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. 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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

  • The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
  • One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates