Best CD Rates in Lackawanna, New York, NY

You are viewing rates from banks across Lackawanna

Below are the best one-year CD Rates from banks in Lackawanna, 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.

Lackawanna, NY - July 31, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
Finworth, a division of InsBank New York Branch	4.46%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.35% → 4.55% → 4.35% → 4.20% → 4.46%
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
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%
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
State Bank of India State Bank Of India Branch	4.37%	$1,000	-	Learn More Add Review
Rate History: 5.41% → 5.15% → 5.04% → 4.58% → 4.37%
TotalDirect, a division of City National Bank of Florida	4.25%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%
79Thru \| 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
Limelight Bank, A division of Capital Community Bank	4.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%
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)
Bank of Utica Bank Of Utica Branch	4.15%	$500	-	Learn More
Rate History: 4.75% → 5.00% → 4.50% → 4.25% → 4.15%
adirondackgirl \| 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 Reviews (7)
M.Y. Safra Bank M.Y. Safra Bank, Fsb Branch	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.90% → 4.55% → 4.75%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Capital One, National Association Capital One, National Association Branch	4.00%	$0	-	Learn More
Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%
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)
Valley National Bank Broadway Branch	4.00%	$500	-	Learn More
SadSack \| Dec 2, 2022 No such limits as referred to by Jonathan. Perfectly Happy with service and keep adjusting the rate! Read More Reviews (2)
Santander Bank, N.A. Stapleton Branch	4.00%	$500	-	Learn More
Rate History: 4.50% → 4.25% → 4.00%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
Empire State Bank Empire State Bank Branch	4.00%	$1,000	-	Learn More
Rate History: 4.50% → 4.45% → 4.20% → 4.25% → 4.00%
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)
First Central Savings Bank First Central Savings Bank Branch	4.00%	$500	-	Learn More Add Review
Eastbank, National Association Eastbank, National Association Branch	4.00%	$2,500	-	Learn More Add Review
Rate History: 4.75% → 4.50% → 4.00%
New Millennium Bank Bayside Branch	4.00%	$500	-	Learn More Add Review
Rate History: 5.00% → 4.70% → 4.20% → 4.25% → 4.00%
Spring Bank Bronx Branch - Main Headquarters	4.00%	$250	-	Learn More Add Review
Rate History: 5.00% → 4.50% → 4.00% → 4.25% → 4.00%
Ponce Bank Ponce Bank Branch	3.95%	$1,000	-	Learn More Add Review
Rate History: 4.25% → 3.95%
HSBC Bank USA, National Association Melville Branch	3.90%	$1,000	-	Learn More
Rate History: 4.40% → 4.30% → 4.10% → 4.00% → 3.90%
john \| 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 Reviews (3)
Vio Bank, A Division of MidFirst Bank	3.85%	$500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Ridgewood Savings Bank Ridgewood Savings Bank Branch	3.85%	$100	-	Learn More
Rate History: 4.25% → 4.30% → 4.25% → 3.85%
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)
Hanover Community Bank Hanover Community Bank Branch	3.85%	$500	-	Learn More
Rate History: 4.50% → 5.00% → 4.50% → 4.25% → 3.85%
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)
Bank of Hope Bank Of Hope Branch	3.79% 0.30%	$250,000 $1,000	-	Learn More
Rate History: 4.70% → 4.65% → 4.50% → 4.20% → 3.79%
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)
LendingClub Motor Parkway Branch	3.75%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.60% → 4.40% → 4.10% → 4.00% → 3.75%
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)
Solvay Bank Solvay Bank Branch	3.75%	$500	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 4.00% → 3.85% → 3.75%
Flushing Bank Flushing Bank Branch	3.75%	$1,000	-	Learn More
Rate History: 4.50% → 4.25% → 3.85% → 4.00% → 3.75%
Fred Theobald \| 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 Reviews (1)
Amalgamated Bank Amalgamated Bank Branch	3.65%	$500	-	Learn More Add Review
Rate History: 3.82% → 4.25% → 1.46% → 3.70% → 3.65%
Maspeth Federal Savings and Loan Association Maspeth Federal Savings And Loan Ass Branch	3.65%	$1,500	-	Learn More Add Review
Rate History: 4.00% → 3.00% → 3.65%
TD Bank, National Association Central Valley Branch	3.51% 0.05%	$10,000 $10,001	-	Learn More
Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Northwest Bank Lakewood Branch	3.50%	$500	-	Learn More Add Review
Rate History: 4.55% → 4.50% → 4.40% → 3.75% → 3.50%
Santander Bank, N.A. Stapleton Branch	3.50%	$501	-	Learn More
Rate History: 4.25% → 4.00% → 3.75% → 3.50%
Maggie \| May 11, 2023 They made mistakes twice and would not correct them Read More Reviews (6)
BankUnited, National Association Melville Ny Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.80% → 3.00% → 3.25% → 3.75% → 3.50%
Apple Bank for Savings Westchester Square Branch	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.50%
Cross County Savings Bank Cross County Savings Bank Branch	3.50%	$500	-	Learn More Add Review
Rate History: 3.70% → 3.80% → 4.05% → 4.00% → 3.50%
CTBC Bank Corp. (USA) Flushing Branch	3.50% 0.40%	$5,000 $4,999	-	Learn More Add Review
Citizens Endicott Branch	3.50%	$5,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Massena Savings and Loan Massena Savings And Loan Branch	3.49%	$1,000	-	Learn More Add Review
Rate History: 4.12% → 4.39% → 4.01% → 3.49%
Manufacturers and Traders Trust Company Manufacturers And Traders Trust Comp Branch	3.35%	$1,000	-	Learn More
Rate History: 3.75% → 4.50% → 4.00% → 3.50% → 3.35%
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 Reviews (3)
Quontic Bank Quontic Bank Branch	3.25%	$500	-	Learn More
Warning: Early Withdrawal Penalty equals one year of interest. Rate History: 5.30% → 4.50% → 4.00% → 3.25%
JuanVelasco \| 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 Reviews (15)
Bank of America, National Association Fountain Plaza Branch	3.25%	$100,000	-	Learn More
Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%
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)
Adirondack Bank Adirondack Bank Branch	3.09%	$1,000	-	Learn More
Rate History: 3.09% → 3.14% → 3.09% → 3.04% → 3.09%
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)
Citibank, National Association Baybridge Branch	3.00%	$0	-	Learn More
Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%
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)
Habib American Bank Habib American Bank Branch	3.00%	$1,500	-	Learn More
Rate History: 1.20% → 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)
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%
Jenny Kingston \| 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
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)
Woodforest National Bank 8031 Batavia New York Walmart Branch	2.50%	$500	-	Learn More
Rate History: 3.00% → 2.75% → 2.50% → 4.25% → 2.50%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Kearny Bank Brooklyn Branch	2.50%	$500	-	Learn More Add Review
Rate History: 4.05% → 2.50%
City National Bank 400 Park Branch	2.48%	$10,000	-	Learn More Add Review
Rate History: 3.04% → 2.48%
Genesee Regional Bank Genesee Regional Bank Branch	2.25%	$500	-	Learn More Add Review
Rate History: 0.75% → 2.25%
Sunnyside Federal Savings and Loan Association of Irvington Sunnyside Federal Savings And Loan A Branch	2.25%	$500	-	Learn More Add Review
JPMorgan Chase Bank, National Association Morgan Guar. Tr. Co. Of Ny Branch	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 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)
Wells Fargo Bank, National Association Peekskill Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
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)
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)
First National Bank of Scotia First National Bank Of Scotia Branch	1.57%	$500	-	Learn More
Rate History: 0.69% → 0.67% → 0.89% → 1.03% → 1.57%
Zflash4000 \| 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 Reviews (1)
Champlain National Bank Champlain National Bank Branch	1.51%	$500	-	Learn More Add Review
Rate History: 1.50% → 1.51%
TrustCo Bank Tanners Main Branch	1.50%	$500	-	Learn More
Rate History: 3.95% → 3.90% → 3.85% → 3.75% → 1.50%
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)
PCB Bank Bayside Office Branch	1.26%	$1,000	-	Learn More Add Review
Northfield Bank Bay Street Branch	1.25%	$0	-	Learn More Add Review
Rate History: 1.25% → 2.00% → 1.25%
United Orient Bank United Orient Bank Branch	1.00%	$500	-	Learn More Add Review
Rhinebeck Bank Rhinebeck Bank Branch	0.75%	$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)
Hamlin Bank and Trust Company Olean Branch	0.70%	$10,000	-	Learn More Add Review
Shinhan Bank America Shinhan Bank America Branch	0.70%	$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)
Geddes Federal Savings and Loan Association Geddes Federal Savings And Loan Asso 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
Wallkill Valley Federal Savings and Loan Association Walden Branch	0.61%	$500	-	Learn More Add Review
BNB Bank Bnb Bank Branch	0.60%	$10,000	-	Learn More Add Review
Amerasia Bank Amerasia Bank Branch	0.56%	$10,000	-	Learn More
Chang \| Aug 19, 2021 Best Service! Read More Reviews (3)
Abacus Federal Savings Bank Abacus Federal Savings Bank Branch	0.55%	$1,000	-	Learn More Add Review
First Citizens Community Bank Wellsville Branch	0.55%	$100,000	-	Learn More Add Review
The Delaware National Bank of Delhi The Delaware National Bank Of Delhi Branch	0.55%	$10,000	-	Learn More Add Review
NorthEast Community Bank Northeast Community Bank Branch	0.50%	$1,000	-	Learn More Add Review
Carthage Federal Savings and Loan Association Carthage Federal Savings And Loan As Branch	0.50%	$10,000	-	Learn More Add Review
Maple City Savings Bank, FSB Maple City Savings Bank, Fsb Branch	0.50%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Main St Branch	0.50%	$100,000	-	Learn More Add Review
Rondout Savings Bank Rondout Savings Bank Branch	0.50%	$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)
Sawyer Savings Bank Sawyer Savings Bank Branch	0.50%	$500	-	Learn More Add Review
Ulster Savings Bank Ulster Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Walden Savings Bank Walden Savings Bank Branch	0.50%	$10,000	-	Learn More Add Review
Esquire Bank, National Association Esquire Bank, National Association Branch	0.50%	$10,000	-	Learn More Add Review
Metropolitan Commercial Bank Metropolitan Commercial Bank Branch	0.50%	$10,000	-	Learn More Add Review
Alma Bank Alma Bank Branch	0.50%	$10,000	-	Learn More Add Review
Hanmi Bank Manhattan Branch	0.50%	$10,000	-	Learn More Add Review
Ballston Spa National Bank Ballston Spa National Bank Branch	0.45%	$500	-	Learn More Add Review
PCSB Bank Pcsb Bank Branch	0.45%	$10,000	-	Learn More Add Review
The Lyons National Bank The Lyons National Bank Branch	0.45%	$10,000	-	Learn More
william bridson \| Apr 5, 2024 need to deposit loose change Read More Reviews (1)
Peoples Security Bank and Trust Company Conklin Branch	0.45%	$1,000	-	Learn More Add Review
Rate History: 0.25% → 0.45%
The Bank of Greene County The Bank Of Greene County Branch	0.45%	$10,000	-	Learn More Add Review
NBT Bank, National Association Canajoharie Branch	0.40%	$10,000	-	Learn More Add Review
The First National Bank of Groton The First National Bank Of Groton Branch	0.40%	$100,000	-	Learn More Add Review
The Citizens National Bank of Hammond The Citizens National Bank Of Hammon Branch	0.40%	$10,000	-	Learn More Add Review
The Berkshire Bank Goshen Savings Bank Branch	0.40%	$10,000	-	Learn More Add Review
Carver Federal Savings Bank Carver Federal Savings Bank Branch	0.40%	$10,000	-	Learn More Add Review
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	0.40%	$100,000	-	Learn More Add Review
CNB Bank Electric Tower Branch	0.38%	$10,000	-	Learn More Add Review
Pioneer Bank Pioneer Savings Bank Branch	0.35%	$10,000	-	Learn More Add Review
Alden State Bank Alden State Bank Branch	0.35%	$500	-	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)
CIT Bank, a division of First-Citizens Bank and Trust	0.30%	$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
The Upstate National Bank The Upstate National Bank Branch	0.30%	$100,000	-	Learn More Add Review
The First National Bank of Groton The First National Bank Of Groton Branch	0.30%	$1,000	-	Learn More Add Review
Cathay Bank Flushing Roosevelt Branch	0.30%	$50,000	-	Learn More Add Review
Watertown Savings Bank Watertown Savings Bank Branch	0.30%	$10,000	-	Learn More Add Review
Five Star Bank Bank Of Avoca Branch	0.30%	$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)
First Citizens Community Bank Wellsville Branch	0.30%	$10,000	-	Learn More Add Review
Citizens & Northern Bank Main St Branch	0.30%	$10,000	-	Learn More Add Review
Wayne Bank Callicoon 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%	$100,000	-	Learn More Add Review
Bank of Millbrook Bank Of Millbrook Branch	0.30%	$10,000	-	Learn More Add Review
Orange Bank &Trust Company Orange Bank &trust Company Branch	0.30%	$10,000	-	Learn More
sbrown2@frontiernet.net \| 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 Reviews (1)
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	0.30%	$10,000	-	Learn More Add Review
Generations Bank Generations Bank Branch	0.29%	$10,000	-	Learn More
Osvaldo \| Apr 27, 2018 Best Rates and service in the area!!! Read More Reviews (1)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 181 days interest.
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
The First National Bank of Dryden The First National Bank Of Dryden 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)
Fulton Savings Bank Fulton Savings Bank Branch	0.25%	$500	-	Learn More Add Review
Savannah Bank National Association Savannah Bank National Association Branch	0.25%	$10,000	-	Learn More Add Review
Cayuga Lake National Bank Cayuga Lake National Bank Branch	0.25%	$100,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| 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
Glens Falls National Bank and Trust Company Cambridge Branch	0.20%	$10,000	-	Learn More Add Review
The Adirondack Trust Company The Adirondack Trust Company Branch	0.20%	$10,000	-	Learn More
jennifer \| 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 Reviews (2)
Chemung Canal Trust Company Chemung Canal Trust Company 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
Seneca Savings Seneca Savings Branch	0.20%	$10,000	-	Learn More Add Review
Jeff Bank Jeff Bank Branch	0.20%	$1,000	-	Learn More Add Review
The Putnam County National Bank of Carmel The Putnam County National Bank Of C Branch	0.20%	$10,000	-	Learn More Add Review
Webster Bank, National Association Scarsdale Branch	0.20%	$10,000	-	Learn More Add Review
KEB Hana Bank USA, National Association Fifth Avenue Branch	0.20%	$10,000	-	Learn More Add Review
Lake Shore Savings Bank Lake Shore Savings Bank Branch	0.15%	$500	-	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
Berkshire Bank Little Falls Branch	0.15%	$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)
Pathfinder Bank Pathfinder Bank Branch	0.15%	$10,000	-	Learn More Add Review
The North Country Savings Bank The North Country Savings Bank Branch	0.10%	$500	-	Learn More Add Review
Community Bank, National Association Lowville State St Branch	0.10%	$100,000	-	Learn More Add Review
Gouverneur Savings and Loan Association Gouverneur Savings And Loan Associat Branch	0.10%	$10,000	-	Learn More Add Review
Cattaraugus County Bank Cattaraugus County Bank Branch	0.10%	$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)
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)
Alpine Capital Bank Alpine Capital Bank Branch	0.07%	$100,000	-	Learn More Add Review
KeyBank National Association Amsterdam Branch	0.05%	$2,500	-	Learn More
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 Lowville State St Branch	0.05%	$10,000	-	Learn More Add Review
Tompkins Community Bank Tompkins Trust Company Branch	0.05%	$1,000	-	Learn More Add Review
Cattaraugus County Bank Cattaraugus County Bank 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)
PNC Bank, National Association 340 Madison Avenue 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)

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
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 Capital One, National Association Branch	54375 Main Road	Southold	NY
Valley National Bank Broadway Branch	450 Broadway	New York	NY
Santander Bank, N.A. Stapleton Branch	81 Water Street	Staten Island	NY
Empire State Bank Empire State Bank Branch	68 North Plank Road	Newburgh	NY
First Central Savings Bank First Central Savings Bank Branch	70 Glen Street	Glen Cove	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 Ponce Bank Branch	2244 Westchester Avenue	Bronx	NY
HSBC Bank USA, National Association Melville Branch	534 Broadhollow Road	Melville	NY
Ridgewood Savings Bank Ridgewood Savings Bank Branch	7102 Forest Avenue	Ridgewood	NY
Hanover Community Bank Hanover Community Bank Branch	2131 Jericho Turnpike	Garden City Park	NY
Bank of Hope Bank Of Hope Branch	11 West 32nd Street	New York	NY
LendingClub Motor Parkway Branch	270 Motor Parkway	Hauppauge	NY
Solvay Bank Solvay Bank Branch	1537 Milton Avenue	Solvay	NY
Flushing Bank Flushing Bank Branch	144-51 Northern Boulevard	Flushing	NY
Amalgamated Bank Amalgamated Bank Branch	275 Seventh Avenue	New York	NY
Maspeth Federal Savings and Loan Association Maspeth Federal Savings And Loan Ass Branch	56-18 69th St	Maspeth	NY
TD Bank, National Association Central Valley Branch	260 Route 32	Central Valley	NY
Northwest Bank Lakewood Branch	311 East Fairmount Avenue	Lakewood	NY
Santander Bank, N.A. Stapleton Branch	81 Water Street	Staten Island	NY
BankUnited, National Association Melville Ny Branch	445 Broadhollow Road	Melville	NY
Apple Bank Westchester Square Branch	12 Westchester Square	Bronx	NY
Cross County Savings Bank Cross County Savings Bank Branch	79-21 Metropolitan Avenue	Middle Village	NY
CTBC Bank Corp. (USA) Flushing Branch	41-99 Main Street	Flushing	NY
Citizens Endicott Branch	18 Washington Avenue	Endicott	NY
Massena Savings and Loan Massena Savings And Loan Branch	255 Main Street	Massena	NY
Manufacturers and Traders Trust Company Manufacturers And Traders Trust Comp Branch	One M And T Plaza	Buffalo	NY
Quontic Bank Quontic Bank Branch	31-05 Broadway	Astoria	NY
Bank of America, National Association Fountain Plaza Branch	10 Fountain Plaza	Buffalo	NY
Adirondack Bank Adirondack Bank Branch	185 Genesee Street	Utica	NY
Citibank, National Association Baybridge Branch	502-512 86th St.	Brooklyn	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 8031 Batavia New York Walmart Branch	4133 Veterans Memorial Drive	Batavia	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 Morgan Guar. Tr. Co. Of Ny Branch	60 Wall Street	New York	NY
Wells Fargo Bank, National Association Peekskill Branch	920 South Street	Peekskill	NY
International Bank of Chicago Port Jervis New York Branch	2 West Main Street	Port Jervis	NY
First National Bank of Scotia First National Bank Of Scotia Branch	201 Mohawk Avenue	Scotia	NY
Champlain National Bank Champlain National Bank Branch	7558 Us Route 9	Elizabethtown	NY
TrustCo Bank Tanners Main Branch	345 Main Street	Catskill	NY
PCB Bank Bayside Office Branch	220-34 And 220-36 Northern Blvd	Bayside	NY
Northfield Bank Bay Street Branch	385 Bay Street	Staten Island	NY
United Orient Bank United Orient Bank Branch	10 Chatham Square	New York	NY
Rhinebeck Bank Rhinebeck Bank Branch	6414 Montgomery Street	Rhinebeck	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 Walden Branch	12-14 Main St	Walden	NY
Dime Community Bank Bnb Bank Branch	2200 Montauk Highway	Bridgehampton	NY
Amerasia Bank Amerasia Bank Branch	41-06 Main Street	Flushing	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 The Delaware National Bank Of Delhi Branch	124 Main Street	Delhi	NY
NorthEast Community Bank Northeast Community Bank Branch	325 Hamilton Avenue	White Plains	NY
Carthage Savings and Loan, National Association Carthage Federal Savings And Loan As Branch	313 State St	Carthage	NY
Maple City Savings Bank, FSB Maple City Savings Bank, Fsb Branch	145 Main Street	Hornell	NY
Citizens & Northern Bank Main St Branch	3 Main Street	Canisteo	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 Ulster Savings Bank Branch	180 Schwenk Drive	Kingston	NY
Walden Savings Bank Walden Savings Bank Branch	15 Scotts Corners Drive	Montgomery	NY
Esquire Bank, National Association Esquire Bank, National Association Branch	320 Old Country Rd.	Garden City	NY
Metropolitan Commercial Bank Metropolitan Commercial Bank Branch	99 Park Avenue	New York	NY
Alma Bank Alma Bank Branch	28-31 31st Street	Astoria	NY
Hanmi Bank Manhattan Branch	325 Fifth Avenue	New York	NY
Ballston Spa National Bank Ballston Spa National Bank Branch	87 Front Street	Ballston Spa	NY
PCSB Bank Pcsb Bank Branch	2477 Route 6	Brewster	NY
The Lyons National Bank The Lyons National Bank Branch	35 Williams Street	Lyons	NY
Peoples Security Bank and Trust Company Conklin Branch	1026 Conklin Road	Conklin	NY
The Bank of Greene County The Bank Of Greene County Branch	425 Main Street	Catskill	NY
NBT Bank, National Association Canajoharie Branch	20 Mohawk Street	Canajoharie	NY
The First National Bank of Groton The First National Bank Of Groton Branch	159-163 Main Street	Groton	NY
CTBC Bank Corp. (USA) Flushing Branch	41-99 Main Street	Flushing	NY
The Citizens National Bank of Hammond The Citizens National Bank Of Hammon Branch	19 Main St	Hammond	NY
The Berkshire Bank Goshen Savings Bank Branch	2 South Church Street	Goshen	NY
Carver Federal Savings Bank Carver Federal Savings Bank Branch	75 West 125th Street	New York	NY
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	1633 Broadway	New York	NY
CNB Bank Electric Tower Branch	535 Washington Street, Suite 101	Buffalo	NY
Pioneer Bank, National Association Pioneer Savings Bank Branch	652 Albany Shaker Road	Albany	NY
Alden State Bank Alden State Bank Branch	13216 Broadway	Alden	NY
Metro City Bank Bayside Branch	212-45 Northern Boulevard	Bayside	NY
Bank of Hope Bank Of Hope Branch	11 West 32nd Street	New York	NY
The Upstate National Bank The Upstate National Bank Branch	729 Proctor Ave	Ogdensburg	NY
The First National Bank of Groton The First National Bank Of Groton Branch	159-163 Main Street	Groton	NY
Cathay Bank Flushing Roosevelt Branch	135-34 Roosevelt Avenue	Flushing	NY
Watertown Savings Bank Watertown Savings Bank Branch	111 Clinton Street	Watertown	NY
Five Star Bank Bank Of Avoca Branch	19 South Main Street	Avoca	NY
First Citizens Community Bank Wellsville Branch	10 South Main Street	Wellsville	NY
Citizens & Northern Bank Main St Branch	3 Main Street	Canisteo	NY
Wayne Bank Callicoon Branch	5 River Road	Callicoon	NY
Jeff Bank Jeff Bank Branch	4864 State Route 52	Jeffersonville	NY
Bank of Millbrook Bank Of Millbrook Branch	3263 Franklin Avenue	Millbrook	NY
Orange Bank & Trust Company Orange Bank &trust Company Branch	212 Dolson Ave	Middletown	NY
Industrial and Commercial Bank of China USA, National Association Industrial And Commercial Bank Of China Usa, National Association Branch	1633 Broadway	New York	NY
Generations Bank Generations Bank Branch	19 Cayuga Street	Seneca Falls	NY
The First National Bank of Dryden The First National Bank Of Dryden Branch	7 West Main Street	Dryden	NY
Fulton Savings Bank Fulton Savings Bank Branch	75 South First Street	Fulton	NY
Savannah Bank National Association Savannah Bank National Association Branch	1565 Main Street	Savannah	NY
Cayuga Lake National Bank Cayuga Lake National Bank Branch	3 Cayuga Street	Union Springs	NY
Arrow Bank National Association Cambridge Branch	25 West Main Street	Cambridge	NY
The Adirondack Trust Company The Adirondack Trust Company Branch	473 Broadway	Saratoga Springs	NY
Chemung Canal Trust Company Chemung Canal Trust Company Branch	One Chemung Canal Plaza	Elmira	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	4864 State Route 52	Jeffersonville	NY
The Putnam County National Bank of Carmel The Putnam County National Bank Of C Branch	43 Gleneida Avenue	Carmel	NY
Webster Bank, National Association Scarsdale Branch	17 Popham Rd	Scarsdale	NY
Hana Bank USA, National Association Fifth Avenue Branch	309 5th Avenue	New York	NY
Lake Shore Savings Bank Lake Shore Savings Bank Branch	128 East 4th St	Dunkirk	NY
Berkshire Bank Little Falls Branch	One West Main Street	Little Falls	NY
Pathfinder Bank Pathfinder Bank Branch	214 West First Street	Oswego	NY
The North Country Savings Bank The North Country Savings Bank Branch	127 Main Street	Canton	NY
Community Bank, National Association Lowville State St Branch	7605 N State Street	Lowville	NY
Gouverneur Savings and Loan Association Gouverneur Savings And Loan Associat Branch	42 Church Street	Gouverneur	NY
Cattaraugus County Bank Cattaraugus County Bank Branch	116-20 Main Street	Little Valley	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 Amsterdam Branch	6 Market Street	Amsterdam	NY
TD Bank, National Association Central Valley Branch	260 Route 32	Central Valley	NY
Community Bank, National Association Lowville State St Branch	7605 N State Street	Lowville	NY
Tompkins Community Bank Tompkins Trust Company Branch	110 North Tioga Street	Ithaca	NY
Cattaraugus County Bank Cattaraugus County Bank Branch	116-20 Main Street	Little Valley	NY
PNC Bank, National Association 340 Madison Avenue Branch	340 Madison Avenue Branch	New York	NY

See rates for Online Banks →

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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

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Lackawanna, New York CD Rates

Branches Info around zip 10116

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

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

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

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CD Products by City in New York

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