Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from banks across New York
Below are special Certificate of Deposit special rates and terms from banks in New York. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.
NY - October 5, 2026
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
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4.50% | $5,000 | 13 months |
Learn More
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Rate History: 4.20% → 3.50% → 3.75% → 4.00% → 4.50% |
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East Amherst Branch
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4.44% | $500 | 22 months |
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Rate History: 2.71% → 2.75% → 4.44% |
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4.40% | $0 | 10 months |
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Finworth, a division of InsBank New York Branch |
4.35% | $50,000 | 22 months |
Learn More
|
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Rate History: 3.95% → 3.90% → 3.50% → 3.20% → 4.35% |
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4.30% | $1,000 | 13 months |
Learn More
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Rate History: 3.81% → 3.71% → 3.90% → 4.00% → 4.30% |
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4.30% | $0 | 14 months |
Learn More
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Warning: This special term CD carries an early withdrawal penalty of 180 days interest, whereas the bank's 12-month CD is only very slight lower and has an early withdrawal penalty of 90 days interest. |
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4.30% | $10,000 | 18 months |
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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Garden City Branch
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4.25% | $500 | 10 months |
Learn More
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Rate History: 5.00% → 4.50% → 3.00% → 3.85% → 4.25% |
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4.25%
3.75% 3.50% 3.00% 2.80% 2.70% 2.50% 3.75%3.50% 3.00% 2.80% 2.70% 2.50% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
13 months |
Learn More
|
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Rate History: 2.00% → 2.00% → 2.00% → 3.50% → 4.25% |
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Main Street Branch
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4.25% | $500 | 14 months |
Learn More
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Rate History: 4.15% → 3.95% → 3.65% → 3.85% → 4.25% |
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Empire State Bank Branch
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4.25% | $1,000 | 15 months |
Learn More
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Rate History: 4.45% → 4.25% → 4.00% → 3.00% → 4.25% |
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4.25% | $10,000 | 15 months |
Learn More
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Rate History: 3.50% → 4.00% → 3.50% → 4.00% → 4.25% |
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Sawyer Savings Bank Branch
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4.25% | $500 | 16 months |
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Rate History: 0.50% → 3.38% → 4.25% |
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400 Park Branch
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4.11% | $10,001 | 6 months |
Learn More
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Rate History: 3.00% → 3.82% → 3.92% → 4.00% → 4.11% |
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4.10% | $1,000 | 13 months |
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Rate History: 4.10% → 4.30% → 3.60% → 3.60% → 4.10% |
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4.10% | $1,000 | 22 months |
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Rate History: 2.75% → 4.00% → 3.80% → 3.55% → 4.10% |
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Vio Bank, A Division of MidFirst Bank |
4.05% | $500 | 9 months |
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4.03% | $500 | 7 months |
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Rate History: 3.30% → 4.03% |
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4.00% | $10,000 | 4 months |
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OneWest Bank, a division of First-Citizens Bank and Trust |
4.00% | $5,000 | 5 months |
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Brooklyn Branch
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4.00% | $500 | 7 months |
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|
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Rate History: 4.50% → 4.00% |
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Riverdale Branch
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4.00% | $1,000 | 7 months |
Learn More
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Rate History: 4.00% → 4.75% → 4.00% |
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EverBank, National Association Islandia Mtg Branch |
4.00% | $1,000 | 7 months |
Learn More
|
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Rate History: 4.00% → 3.90% → 3.80% → 3.70% → 4.00% |
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Cicero Branch
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4.00% | $2,500 | 7 months |
Learn More
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Rate History: 4.75% → 4.25% → 4.15% → 2.50% → 4.00% |
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8034 Village Of Newark New York Walm Branch
|
4.00% | $500 | 8 months |
Learn More
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Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00% |
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|
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4.00% | $5,000 | 8 months |
Learn More
|
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Rate History: 4.00% → 4.00% → 3.75% → 3.75% → 4.00% |
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|
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4.00%
3.80% 3.75% 3.80%3.75% |
$500
$500 $500 |
11 months |
Learn More
|
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Rate History: 3.90% → 4.05% → 3.95% → 3.80% → 4.00% |
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Northwest Bank Branch
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4.00% | $500 | 12 months |
Learn More
|
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Rate History: 3.65% → 3.60% → 3.45% → 3.75% → 4.00% |
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Garden City Branch
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4.00% | $500 | 14 months |
Learn More
|
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Rate History: 3.00% → 3.85% → 4.00% |
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Rising Bank, a division of Midwest BankCentre |
4.00% | $1,000 | 15 months |
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|
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Early Withdrawal Penalty is 180 days interest. |
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Brilliant Bank, a division of Equity Bank |
4.00% | $1,000 | 15 months |
Learn More
|
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% → 4.00% |
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Sawyer Savings Bank Branch
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4.00% | $500 | 24 months |
Learn More
|
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Rate History: 3.50% → 4.00% |
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Bay Ridge Branch
|
3.95% | $100 | 10 months |
Learn More
|
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Rate History: 5.15% → 4.50% → 4.05% → 3.95% → 3.95% |
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|
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3.95% | $5,000 | 11 months |
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|
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11-Month No Penalty CD |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.90% | $1,000 | 11 months |
Learn More
|
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Account cannot be closed online. Requires reaching phone representative to close. |
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North American Savings Bank, F.S.B. |
3.90% | $1,000 | 14 months |
Learn More
|
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Rate History: 4.81% → 3.98% → 3.90% |
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Vio Bank, A Division of MidFirst Bank |
3.80% | $500 | 4 months |
Learn More
|
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Rate History: 3.90% → 3.80% |
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Bank of America, National Association Goldens Bridge Branch |
3.80%
3.51% 3.51% |
$100,000
$10,000 |
7 months |
Learn More
|
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Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80% |
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Northwest Bank Branch
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3.75% | $500 | 6 months |
Learn More
|
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Rate History: 3.75% → 3.65% → 3.50% → 3.60% → 3.75% |
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|
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3.75% | $2,500 | 6 months |
Learn More
|
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Rate History: 5.15% → 4.00% → 3.85% → 4.25% → 3.75% |
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Madison Avenue Branch Office
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3.75% | $500 | 7 months |
Learn More
|
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Early withdrawal penalty is 180 days interest. |
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Seneca Avenue Branch
|
3.75% | $1,000 | 7 months |
Learn More
|
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Rate History: 5.05% → 5.15% → 5.30% → 4.95% → 3.75% |
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Citizens Bank, National Association Clifton Park Branch |
3.75% | $25,000 | 8 months |
Learn More
|
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Rate History: 4.15% → 3.65% → 4.00% → 3.75% |
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Sawyer Savings Bank Branch
|
3.75% | $500 | 11 months |
Learn More
|
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Rate History: 5.00% → 4.75% → 0.50% → 3.75% |
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Henrietta Branch
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3.75% | $500 | 11 months |
Learn More
|
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Rate History: 1.00% → 5.00% → 3.00% → 3.60% → 3.75% |
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OneWest Bank, a division of First-Citizens Bank and Trust |
3.75% | $5,000 | 11 months |
Learn More
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|
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3.75% | $1,000 | 13 months |
Learn More
|
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Rate History: 3.30% → 2.65% → 2.95% → 3.30% → 3.75% |
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Wells Fargo Bank, National Association Park & 40th Branch |
3.74% | $2,500 | 7 months |
Learn More
|
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Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74% |
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Empire State Bank Branch
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3.70% | $1,000 | 11 months |
Learn More
|
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Rate History: 4.30% → 4.25% → 4.00% → 3.80% → 3.70% |
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Seneca Avenue Branch
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3.70% | $1,000 | 13 months |
Learn More
|
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Rate History: 5.10% → 4.90% → 5.25% → 5.00% → 3.70% |
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BankUnited, National Association Avenue Of The Americas Branch |
3.65% | $1,000 | 6 months |
Learn More
|
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Rate History: 4.50% → 4.35% → 4.25% → 4.00% → 3.65% |
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|
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3.65% | $1,000 | 25 months |
Learn More
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Rate History: 3.55% → 3.50% → 3.40% → 3.55% → 3.65% |
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Wells Fargo Bank, National Association Park & 40th Branch |
3.64% | $2,500 | 15 months |
Learn More
|
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Rate History: 3.74% → 3.64% |
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Wilton Office Branch
|
3.62% | $501 | 18 months |
Learn More
|
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Rate History: 3.57% → 3.47% → 3.62% → 3.81% → 3.62% |
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|
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3.60% | $1,000 | 7 months |
Learn More
|
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Rate History: 3.80% → 3.70% → 4.00% → 4.10% → 3.60% |
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Wells Fargo Bank, National Association Park & 40th Branch |
3.59% | $2,500 | 11 months |
Learn More
|
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Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59% |
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Wilton Office Branch
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3.57% | $10,000 | 6 months |
Learn More
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Rate History: 3.86% → 3.72% → 3.47% → 3.70% → 3.57% |
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Port Washington Branch
|
3.55% | $500 | 3 months |
Learn More
|
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Rate History: 4.50% → 4.00% → 4.00% → 3.55% |
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Sawyer Savings Bank Branch
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3.50% | $500 | 10 months |
Learn More
|
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Rate History: 4.60% → 3.25% → 3.50% |
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Keybank National Association Branch
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3.50% | $50,000 | 12 months |
Learn More
|
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8034 Village Of Newark New York Walm Branch
|
3.50% | $500 | 13 months |
Learn More
|
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Rate History: 4.00% → 3.75% → 3.50% → 2.50% → 3.50% |
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PNC Bank, National Association 11 Penn Plaza Branch |
3.50% | $1,000 | 13 months |
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Cicero Branch
|
3.50% | $2,500 | 16 months |
Learn More
|
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Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50% |
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|
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3.50% | $10,000 | 24 months |
Learn More
|
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Warning: Early withdrawal penalty is 4% of principal withdrawn. |
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Wilton Office Branch
|
3.47% | $501 | 24 months |
Learn More
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Rate History: 3.60% → 3.57% → 3.47% → 3.62% → 3.47% |
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Stuyvesant Plaza Branch
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3.40% | $500 | 6 months |
Learn More
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Rate History: 3.45% → 3.40% → 3.50% → 3.45% → 3.40% |
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3.40% | $1,000 | 7 months |
Learn More
|
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Rate History: 4.03% → 3.85% → 3.51% → 3.30% → 3.40% |
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Northwest Bank Branch
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3.40% | $500 | 10 months |
Learn More
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Rate History: 3.94% → 3.75% → 3.65% → 3.50% → 3.40% |
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Seneca Avenue Branch
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3.40% | $1,000 | 19 months |
Learn More
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Rate History: 4.75% → 4.60% → 4.45% → 4.30% → 3.40% |
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Seneca Avenue Branch
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3.35% | $1,000 | 4 months |
Learn More
|
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Rate History: 4.80% → 5.00% → 5.35% → 4.90% → 3.35% |
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3.35%
3.25% 3.15% 3.10% 3.00% 3.25%3.15% 3.10% 3.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 |
59 months |
Learn More
|
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Rate History: 2.50% → 2.50% → 2.75% → 3.00% → 3.35% |
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U.S. Bank National Association |
3.25% | $1,000 | 7 months |
Learn More
|
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Rate History: 4.00% → 3.50% → 2.85% → 3.50% → 3.25% |
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Latham Branch
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3.25% | $10,000 | 12 months |
Learn More
|
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Rate History: 4.00% → 3.75% → 3.51% → 3.00% → 3.25% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.25% | $1,000 | 13 months |
Learn More
|
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Rate History: 3.50% → 3.35% → 3.25% |
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Madison Avenue Branch Office
|
3.20% | $500 | 17 months |
Learn More
|
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Early withdrawal penalty is 180 days interest. |
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Wilton Office Branch
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3.17% | $500 | 15 months |
Learn More
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Rate History: 3.47% → 3.81% → 3.67% → 3.52% → 3.17% |
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Cornell Campus Store Branch
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3.10% | $1,000 | 5 months |
Learn More
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Rate History: 3.25% → 3.20% → 3.10% → 3.00% → 3.10% |
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East Amherst Branch
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3.01% | $500 | 17 months |
Learn More
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Rate History: 3.01% → 2.96% → 3.01% |
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Eastbank, National Association Eastbank, National Association Branch |
3.00% | $2,500 | 3 months |
Learn More
|
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Rate History: 4.00% → 3.85% → 3.85% → 3.00% |
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Citibank, National Association Lakeland Branch |
3.00% | $0 | 5 months |
Learn More
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Rate History: 2.90% → 2.00% → 4.00% → 3.50% → 3.00% |
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Henrietta Branch
|
3.00% | $500 | 7 months |
Learn More
|
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Rate History: 1.00% → 5.00% → 3.60% → 3.00% |
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Brooklyn Branch
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3.00% | $5,000 | 12 months |
Learn More
|
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Rate History: 3.50% → 3.00% |
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U.S. Bank National Association |
3.00% | $1,000 | 13 months |
Learn More
|
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Rate History: 3.20% → 3.67% → 2.75% → 1.71% → 3.00% |
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Keybank National Association Branch
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3.00% | $10,000 | 23 months |
Learn More
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Rate History: 3.75% → 3.00% → 2.75% → 2.50% → 3.00% |
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Bank of America, National Association Goldens Bridge Branch |
2.95% | $10,000 | 10 months |
Learn More
|
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Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95% |
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East Amherst Branch
|
2.95% | $500 | 14 months |
Learn More
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Cornell Campus Store Branch
|
2.90% | $1,000 | 36 months |
Learn More
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Rate History: 1.00% → 2.90% |
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2.80% | $0 | 11 months |
Learn More
|
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Rate History: 2.90% → 2.80% → 2.70% → 2.70% → 2.80% |
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City National Bank of Los Angeles. California 400 Park Branch |
2.78% | $10,000 | 5 months |
Learn More
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Rate History: 3.35% → 3.09% → 3.05% → 3.09% → 2.78% |
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Citibank, National Association Lakeland Branch |
2.75% | $0 | 6 months |
Learn More
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Rate History: 3.50% → 4.00% → 2.00% → 2.50% → 2.75% |
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|
Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
Learn More
|
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Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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Madison Avenue Branch Office
|
2.75% | $500 | 23 months |
Learn More
|
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Early withdrawal penalty is 180 days interest. |
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East Amherst Branch
|
2.75% | $500 | 57 months |
Learn More
|
|
Rate History: 2.85% → 2.90% → 2.75% |
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PNC Bank, National Association 11 Penn Plaza Branch |
2.60% | $1,000 | 61 months |
Learn More
|
|
U.S. Bank National Association |
2.50% | $1,000 | 25 months |
Learn More
|
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Rate History: 3.75% → 3.10% → 2.85% → 3.00% → 2.50% |
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PNC Bank, National Association 11 Penn Plaza Branch |
2.40% | $1,000 | 37 months |
Learn More
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PNC Bank, National Association 11 Penn Plaza Branch |
2.20% | $1,000 | 25 months |
Learn More
|
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Eliot Branch
|
2.15% | $500 | 7 months |
Learn More
|
|
Rate History: 2.75% → 2.65% → 2.15% → 2.05% → 2.15% |
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PNC Bank, National Association 11 Penn Plaza Branch |
2.10% | $1,000 | 19 months |
Learn More
|
|
Eliot Branch
|
2.00% | $500 | 3 months |
Learn More
|
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Rate History: 2.45% → 2.40% → 2.00% → 1.90% → 2.00% |
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|
Citibank, National Association Lakeland Branch |
2.00% | $0 | 4 months |
Learn More
|
|
Rate History: 3.75% → 2.25% → 3.00% → 2.00% |
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|
|
2.00% | $1,000 | 6 months |
Learn More
|
|
Rate History: 4.55% → 3.45% → 2.50% → 2.25% → 2.00% |
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Latham Branch
|
2.00% | $10,001 | 6 months |
Learn More
|
|
Rate History: 2.75% → 3.51% → 3.45% → 3.51% → 2.00% |
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|
Bank of America, National Association Goldens Bridge Branch |
2.00% | $10,000 | 13 months |
Learn More
|
|
Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00% |
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|
PNC Bank, National Association 11 Penn Plaza Branch |
1.90% | $1,000 | 9 months |
Learn More
|
|
Rate History: 0.05% → 1.90% |
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|
Bank of America, National Association Goldens Bridge Branch |
1.75% | $10,000 | 25 months |
Learn More
|
|
The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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|
Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
Learn More
|
|
Rate History: 1.85% → 1.70% |
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|
|
1.70% | $1,000 | 15 months |
Learn More
|
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Stuyvesant Plaza Branch
|
1.25% | $500 | 12 months |
Learn More
|
|
Rate History: 3.55% → 3.65% → 3.60% → 3.65% → 1.25% |
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|
Guilderland-Westmere Branch
|
1.03% | $25,000 | 11 months |
Learn More
|
|
Rate History: 5.01% → 4.65% → 0.67% → 0.51% → 1.03% |
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|
Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
Learn More
|
|
Rate History: 1.00% → 0.50% |
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|
JPMorgan Chase Bank, National Association U Of R River Campus Branch |
0.50% | $100,000 | 6 months |
Learn More
|
|
Rate History: 2.00% → 1.50% → 1.01% → 0.75% → 0.50% |
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Stuyvesant Plaza Branch
|
0.40% | $500 | 18 months |
Learn More
|
|
Rate History: 3.55% → 1.25% → 0.40% → 0.20% → 0.40% |
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|
Cornell Campus Store Branch
|
0.10% | $1,000 | 14 months |
Learn More
|
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Rate History: 2.85% → 2.75% → 3.10% → 3.20% → 0.10% |
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|
Citibank, National Association Lakeland Branch |
0.05% | $0 | 3 months |
Learn More
|
|
Rate History: 3.00% → 2.25% → 2.25% → 2.00% → 0.05% |
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|
City National Bank of Los Angeles. California 400 Park Branch |
0.05% | $10,000 | 3 months |
Learn More
|
|
Rate History: 3.30% → 3.25% → 3.30% → 2.78% → 0.05% |
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|
|
0.05% | $1,000 | 9 months |
Learn More
|
|
Rate History: 0.05% → 0.05% → 0.05% |
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