Best Special Rates and Terms in New York, NY

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 - August 6, 2025

Bank	APY	MIN	PERIOD
One American Bank	5.40%	$5,000	5 months	Learn More Reviews (2)
Rate History: 5.60% → 5.35% → 4.80% → 4.45% → 5.40%
Five Star Bank Henrietta Branch	5.00%	$500	8 months	Learn More Reviews (1)
Rate History: 1.00% → 5.00%
Popular Bank Seneca Avenue Branch	5.00%	$1,000	13 months	Learn More Reviews (2)
Rate History: 5.25% → 5.10% → 4.90% → 5.25% → 5.00%
Popular Bank Seneca Avenue Branch	4.95%	$1,000	7 months	Learn More Reviews (2)
Rate History: 4.85% → 5.05% → 5.15% → 5.30% → 4.95%
Popular Bank Seneca Avenue Branch	4.90%	$1,000	4 months	Learn More Reviews (2)
Rate History: 4.90% → 4.80% → 5.00% → 5.35% → 4.90%
Ponce Bank Riverdale Branch	4.75%	$1,000	7 months	Learn More Reviews
Rate History: 4.00% → 4.75%
Sawyer Savings Bank Sawyer Savings Bank Branch	4.75%	$500	11 months	Learn More Reviews
Rate History: 5.00% → 4.75%
Sawyer Savings Bank Sawyer Savings Bank Branch	4.60%	$500	8 months	Learn More Reviews
Ridgewood Savings Bank Bay Ridge Branch	4.50%	$100	10 months	Learn More Reviews (5)
Rate History: 2.50% → 5.15% → 4.50%
Brilliant Bank, a division of Equity Bank	4.40%	$1,000	3 months	Learn More Reviews (6)
Rate History: 4.60% → 4.40%
Sawyer Savings Bank Sawyer Savings Bank Branch	4.40%	$500	15 months	Learn More Reviews
Brilliant Bank, a division of Equity Bank	4.35%	$1,000	15 months	Learn More Reviews (6)
Rate History: 4.85% → 4.35%
Popular Bank Seneca Avenue Branch	4.30%	$1,000	19 months	Learn More Reviews (2)
Rate History: 4.00% → 4.75% → 4.60% → 4.45% → 4.30%
OneLocal Bank	4.25%	$2,500	5 months	Learn More Reviews
Rate History: 5.30% → 5.05% → 4.90% → 4.65% → 4.25%
Flagstar Bank, National Association	4.25%	$500	7 months	Learn More Reviews (1)
Rate History: 5.50% → 5.15% → 4.50% → 4.40% → 4.25%
Goldman Sachs Bank	4.25% 4.15% 3.90% 4.15% 3.90%	$500 $0 $500	14 months	Learn More Reviews (46)
North American Savings Bank, F.S.B.	4.20%	$5,000	13 months	Learn More Reviews (3)
Rate History: 5.25% → 5.35% → 5.15% → 4.40% → 4.20%
Citizens Bank, National Association Clifton Park Branch	4.15%	$25,000	5 months	Learn More Reviews (1)
Solvay Bank Cicero Branch	4.15%	$2,500	7 months	Learn More Reviews
Rate History: 5.25% → 5.00% → 4.75% → 4.25% → 4.15%
Synchrony Bank	4.15%	$0	13 months	Learn More Reviews (71)
Early withdrawal penalty is 180 days' interest. Rate History: 5.40% → 5.65% → 5.25% → 4.25% → 4.15%
Popular Bank Seneca Avenue Branch	4.15%	$1,000	25 months	Learn More Reviews (2)
Rate History: 4.00% → 4.30% → 4.40% → 4.30% → 4.15%
Ballston Spa National Bank Wilton Office Branch	4.11%	$10,000	6 months	Learn More Reviews
Rate History: 4.48% → 4.24% → 4.04% → 4.05% → 4.11%
TIAA Bank / Everbank	4.10%	$1,000	7 months	Learn More Reviews (40)
Rising Bank, a division of Midwest BankCentre	4.10%	$1,000	15 months	Learn More Reviews (8)
Early Withdrawal Penalty is 180 days interest. Rate History: 4.35% → 4.20% → 4.10% → 4.25% → 4.10%
Canadian Imperial Bank USA	4.06%	$1,000	13 months	Learn More Reviews (22)
Rate History: 4.43% → 4.21% → 4.11% → 4.36% → 4.06%
Northfield Bank Bay Ridge Branch	4.00%	$0	5 months	Learn More Reviews
Rate History: 1.00% → 5.00% → 4.75% → 4.50% → 4.00%
U.S. Bank National Association	4.00%	$1,000	5 months	Learn More Reviews (2)
Rate History: 4.60% → 3.75% → 3.00% → 5.00% → 4.00%
Northwest Bank Northwest Bank Branch	4.00%	$500	6 months	Learn More Reviews
Rate History: 4.80% → 4.50% → 4.20% → 4.10% → 4.00%
TrustCo Bank Stuyvesant Plaza Branch	4.00%	$500	6 months	Learn More Reviews (1)
Rate History: 3.95% → 3.90% → 4.00% → 3.95% → 4.00%
BankUnited, National Association Avenue Of The Americas Branch	4.00%	$1,000	6 months	Learn More Reviews
Rate History: 5.25% → 4.50% → 4.35% → 4.25% → 4.00%
Kearny Bank Brooklyn Branch	4.00%	$500	7 months	Learn More Reviews
Rate History: 4.50% → 4.00%
ConnectOne Bank Madison Avenue Branch Office	4.00%	$500	7 months	Learn More Reviews (19)
Early withdrawal penalty is 180 days interest. Rate History: 3.80% → 4.95% → 4.75% → 4.25% → 4.00%
KeyBank National Association Keybank National Association Branch	4.00%	$10,000	7 months	Learn More Reviews (2)
Rate History: 5.00% → 4.75% → 4.00%
Woodforest National Bank 8034 Village Of Newark New York Walm Branch	4.00%	$500	8 months	Learn More Reviews (2)
Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00%
Empire State Bank Empire State Bank Branch	4.00%	$1,000	11 months	Learn More Reviews (1)
Rate History: 0.25% → 4.55% → 4.30% → 4.25% → 4.00%
Salem Five Direct	4.00%	$10,000	15 months	Learn More Reviews (7)
First Central Savings Bank Main Street Branch	3.95%	$500	14 months	Learn More Reviews
Rate History: 1.00% → 4.15% → 3.95%
Finworth, a division of InsBank New York Branch	3.95%	$50,000	22 months	Learn More Reviews (1)
Rate History: 4.15% → 4.00% → 3.80% → 4.00% → 3.95%
Eastbank, National Association Eastbank, National Association Branch	3.85%	$2,500	3 months	Learn More Reviews
Rate History: 4.00% → 3.85%
City National Bank 400 Park Branch	3.82%	$10,000	3 months	Learn More Reviews
Rate History: 5.12% → 4.59% → 4.33% → 4.07% → 3.82%
Ballston Spa National Bank Wilton Office Branch	3.81%	$500	15 months	Learn More Reviews
Rate History: 3.62% → 3.47% → 3.81% → 3.47% → 3.81%
Tompkins Community Bank Cornell Campus Store Branch	3.80%	$1,000	5 months	Learn More Reviews
Rate History: 1.00% → 4.30% → 4.20% → 4.05% → 3.80%
Bank of America, National Association Goldens Bridge Branch	3.80%	$10,000	7 months	Learn More Reviews (7)
Rate History: 4.75% → 5.00% → 4.35% → 4.05% → 3.80%
Wells Fargo Bank, National Association Park & 40th Branch	3.75%	$5,000	7 months	Learn More Reviews (7)
Rate History: 4.75% → 4.25% → 4.00% → 3.75%
Northfield Bank Bay Ridge Branch	3.75%	$0	8 months	Learn More Reviews
Rate History: 5.00% → 1.25% → 4.50% → 4.25% → 3.75%
TD Bank, National Association Latham Branch	3.75%	$10,000	9 months	Learn More Reviews (1)
Northwest Bank Northwest Bank Branch	3.75%	$500	10 months	Learn More Reviews
Rate History: 4.55% → 4.15% → 4.05% → 3.94% → 3.75%
Blue Foundry Bank	3.75%	$1,000	12 months	Learn More Reviews
Rate History: 4.00% → 4.50% → 4.00% → 3.75%
Citibank, National Association Lakeland Branch	3.75%	$0	13 months	Learn More Reviews (11)
Rate History: 4.00% → 3.75%
Chesapeake Bank	3.75%	$1,000	13 months	Learn More Reviews (2)
Rate History: 4.75% → 5.10% → 4.50% → 4.00% → 3.75%
TIAA Bank / Everbank	3.75%	$1,000	25 months	Learn More Reviews (40)
KeyBank National Association Keybank National Association Branch	3.75%	$10,000	25 months	Learn More Reviews (2)
Ballston Spa National Bank Wilton Office Branch	3.62%	$501	18 months	Learn More Reviews
Rate History: 3.57% → 3.47% → 3.62% → 3.81% → 3.62%
City National Bank 400 Park Branch	3.61%	$10,000	5 months	Learn More Reviews
Rate History: 1.00% → 4.07% → 3.61%
Clear Sky Accounts	3.51%	$1,000	7 months	Learn More Reviews (2)
Rate History: 5.00% → 4.75% → 4.35% → 3.85% → 3.51%
TD Bank, National Association Latham Branch	3.51%	$10,000	12 months	Learn More Reviews (1)
Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%
Citizens Bank, National Association Clifton Park Branch	3.50%	$25,000	10 months	Learn More Reviews (1)
Rate History: 5.00% → 5.25% → 5.00% → 4.00% → 3.50%
CIT Bank, a division of First-Citizens Bank and Trust	3.50%	$1,000	11 months	Learn More Reviews (33)
Account cannot be closed online. Requires reaching phone representative to close.
Colorado Federal Savings Bank	3.50%	$5,000	11 months	Learn More Reviews (16)
11-Month No Penalty CD
Northwest Bank Northwest Bank Branch	3.50%	$500	12 months	Learn More Reviews
Rate History: 4.55% → 4.50% → 4.40% → 3.75% → 3.50%
CTBC Bank Corp. (USA) Brooklyn Branch	3.50%	$5,000	12 months	Learn More Reviews
Woodforest National Bank 8034 Village Of Newark New York Walm Branch	3.50%	$500	13 months	Learn More Reviews (2)
Rate History: 4.00% → 3.75% → 3.50% → 2.50% → 3.50%
OneLocal Bank	3.50%	$1,000	13 months	Learn More Reviews
Rate History: 4.65% → 5.25% → 4.75% → 3.50%
Solvay Bank Cicero Branch	3.50%	$2,500	16 months	Learn More Reviews
Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%
Wells Fargo Bank, National Association Park & 40th Branch	3.50%	$5,000	18 months	Learn More Reviews (7)
Salem Five Direct	3.50%	$10,000	18 months	Learn More Reviews (7)
Warning: Early withdrawal penalty is 4% of principal withdrawn. Rate History: 5.00% → 4.50% → 4.25% → 4.00% → 3.50%
Ballston Spa National Bank Wilton Office Branch	3.47%	$501	24 months	Learn More Reviews
Rate History: 3.60% → 3.57% → 3.47% → 3.62% → 3.47%
Bank of America, National Association Goldens Bridge Branch	3.45%	$10,000	10 months	Learn More Reviews (7)
Rate History: 4.00% → 3.70% → 3.45%
Lake Shore Savings Bank East Amherst Branch	3.44%	$500	22 months	Learn More Reviews
U.S. Bank National Association	3.40%	$1,000	9 months	Learn More Reviews (2)
Rate History: 4.75% → 4.50% → 4.00% → 3.70% → 3.40%
Ally Bank	3.40%	$0	11 months	Learn More Reviews (53)
Rate History: 4.15% → 4.00% → 3.75% → 3.55% → 3.40%
Tompkins Community Bank Cornell Campus Store Branch	3.40%	$1,000	14 months	Learn More Reviews
Rate History: 3.70% → 3.65% → 3.50% → 3.45% → 3.40%
Citibank, National Association Lakeland Branch	3.25%	$0	5 months	Learn More Reviews (11)
Rate History: 4.25% → 0.05% → 3.00% → 3.50% → 3.25%
Adirondack Bank Holland Patent Branch	3.25%	$1,000	6 months	Learn More Reviews (1)
Rate History: 3.25% → 3.30% → 3.25% → 3.30% → 3.25%
Blue Foundry Bank	3.25%	$1,000	24 months	Learn More Reviews
Rate History: 3.50% → 3.25%
Lake Shore Savings Bank East Amherst Branch	3.11%	$500	55 months	Learn More Reviews
U.S. Bank National Association	3.10%	$1,000	13 months	Learn More Reviews (2)
Rate History: 4.30% → 4.00% → 3.50% → 3.20% → 3.10%
Adirondack Bank Holland Patent Branch	3.09%	$1,000	12 months	Learn More Reviews (1)
Rate History: 3.09% → 3.14% → 3.09% → 3.04% → 3.09%
Citibank, National Association Lakeland Branch	3.00%	$0	7 months	Learn More Reviews (11)
Rate History: 0.05% → 4.15% → 4.35% → 3.35% → 3.00%
ConnectOne Bank Madison Avenue Branch Office	3.00%	$500	23 months	Learn More Reviews (19)
Early withdrawal penalty is 180 days interest. Rate History: 4.50% → 4.25% → 3.60% → 3.25% → 3.00%
Blue Foundry Bank	3.00%	$1,000	36 months	Learn More Reviews
One American Bank	2.96%	$5,000	51 months	Learn More Reviews (2)
Tompkins Community Bank Cornell Campus Store Branch	2.90%	$1,000	36 months	Learn More Reviews
Rate History: 1.00% → 2.90%
TD Bank, National Association Latham Branch	2.75%	$10,001	6 months	Learn More Reviews (1)
Rate History: 5.00% → 4.50% → 4.00% → 3.00% → 2.75%
Bank of America, National Association Goldens Bridge Branch	2.75%	$10,000	13 months	Learn More Reviews (7)
Rate History: 4.30% → 4.90% → 3.25% → 3.00% → 2.75%
Dollar Savings Direct, a division of Emigrant Bank	2.75%	$1,000	16 months	Learn More Reviews (26)
Rate History: 5.00% → 5.00% → 3.50% → 2.75%
PNC Bank, National Association 11 Penn Plaza Branch	2.60%	$1,000	61 months	Learn More Reviews (1)
PNC Bank, National Association 11 Penn Plaza Branch	2.40%	$1,000	37 months	Learn More Reviews (1)
PNC Bank, National Association 11 Penn Plaza Branch	2.20%	$1,000	25 months	Learn More Reviews (1)
Cross County Savings Bank Eliot Branch	2.15%	$500	7 months	Learn More Reviews
Rate History: 2.75% → 2.65% → 2.15%
Cross County Savings Bank Eliot Branch	2.00%	$500	3 months	Learn More Reviews
Rate History: 2.45% → 2.40% → 2.00%
PNC Bank, National Association 11 Penn Plaza Branch	2.00%	$1,000	13 months	Learn More Reviews (1)
Bank of America, National Association Goldens Bridge Branch	2.00%	$10,000	25 months	Learn More Reviews (7)
Rate History: 3.20% → 3.00% → 2.00%
One American Bank	1.96%	$5,000	13 months	Learn More Reviews (2)
Hingham Institution for Savings	1.70%	$1,000	13 months	Learn More Reviews
Rate History: 1.85% → 1.70%
JPMorgan Chase Bank, National Association U Of R River Campus Branch	1.50%	$100,000	6 months	Learn More Reviews (18)
Rate History: 5.00% → 3.00% → 2.00% → 1.50%
TrustCo Bank Stuyvesant Plaza Branch	1.50%	$500	12 months	Learn More Reviews (1)
Rate History: 3.95% → 3.90% → 3.85% → 3.75% → 1.50%
First National Bank of Scotia Guilderland-Westmere Branch	1.03%	$25,000	11 months	Learn More Reviews (1)
Rate History: 5.01% → 4.65% → 0.67% → 0.51% → 1.03%
TrustCo Bank Stuyvesant Plaza Branch	0.92%	$500	18 months	Learn More Reviews (1)
Rate History: 0.10% → 4.25% → 1.50% → 0.92%
Hingham Institution for Savings	0.50%	$1,000	2 months	Learn More Reviews
Rate History: 1.00% → 0.50%
Sawyer Savings Bank Sawyer Savings Bank Branch	0.50%	$500	12 months	Learn More Reviews
Adirondack Bank Holland Patent Branch	0.20%	$1,000	18 months	Learn More Reviews (1)
Rate History: 3.25% → 0.20%
Citibank, National Association Lakeland Branch	0.05%	$0	8 months	Learn More Reviews (11)
Rate History: 4.35% → 0.05%
Bank of Montreal Harris	0.05%	$1,000	9 months	Learn More Reviews (2)

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 NY - August 6, 2025

Branch	Street	City	State
Five Star Bank Henrietta Branch	765 Calkins Road	Rochester	NY
Popular Bank Seneca Avenue Branch	918 Seneca Avenue	Ridgewood	NY
Popular Bank Seneca Avenue Branch	918 Seneca Avenue	Ridgewood	NY
Popular Bank Seneca Avenue Branch	918 Seneca Avenue	Ridgewood	NY
Ponce Bank Riverdale Branch	5560 Broadway	Bronx	NY
Sawyer Savings Bank Sawyer Savings Bank Branch	87 Market Street	Saugerties	NY
Sawyer Savings Bank Sawyer Savings Bank Branch	87 Market Street	Saugerties	NY
Ridgewood Savings Bank Bay Ridge Branch	8522 Third Avenue	Brooklyn	NY
Sawyer Savings Bank Sawyer Savings Bank Branch	87 Market Street	Saugerties	NY
Popular Bank Seneca Avenue Branch	918 Seneca Avenue	Ridgewood	NY
Citizens Clifton Park Branch	One Municipal Plaza	Clifton Park	NY
Solvay Bank Cicero Branch	7895 Brewerton Road	Cicero	NY
Popular Bank Seneca Avenue Branch	918 Seneca Avenue	Ridgewood	NY
Ballston Spa National Bank Wilton Office Branch	Route 9	Wilton	NY
Northfield Bank Bay Ridge Branch	8512 Third Avenue	Brooklyn	NY
Northwest Bank Northwest Bank Branch	Eastern Hills Mall, 4545 Transit Road	Williamsville	NY
TrustCo Bank Stuyvesant Plaza Branch	Western Avenue At Fuller Road	Albany	NY
BankUnited, National Association Avenue Of The Americas Branch	960 6th Avenue Of The Americas	New York	NY
Kearny Bank Brooklyn Branch	689 Fifth Ave	Brooklyn	NY
ConnectOne Bank Madison Avenue Branch Office	551 Madison Avenue	New York	NY
KeyBank National Association Keybank National Association Branch	155 Wolf Road	Albany	NY
Woodforest National Bank 8034 Village Of Newark New York Walm Branch	6788 Rt 31 East	Newark	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
Finworth, a division of InsBank New York Branch	1 Rockefeller Plaza	New York	NY
Eastbank, National Association Eastbank, National Association Branch	183 Centre Street	New York	NY
City National Bank 400 Park Branch	400 Park Avenue	New York	NY
Ballston Spa National Bank Wilton Office Branch	Route 9	Wilton	NY
Tompkins Community Bank Cornell Campus Store Branch	Central Avenue	Ithaca	NY
Bank of America, National Association Goldens Bridge Branch	Route 22	Goldens Bridge	NY
Wells Fargo Bank, National Association Park & 40th Branch	99 Park Avenue	New York	NY
Northfield Bank Bay Ridge Branch	8512 Third Avenue	Brooklyn	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
Citibank, National Association Lakeland Branch	3131 East Main Street	Mohegan Lake	NY
KeyBank National Association Keybank National Association Branch	155 Wolf Road	Albany	NY
Ballston Spa National Bank Wilton Office Branch	Route 9	Wilton	NY
City National Bank 400 Park Branch	400 Park Avenue	New York	NY
TD Bank, National Association Latham Branch	One Old Loudon Road	Latham	NY
Citizens Clifton Park Branch	One Municipal Plaza	Clifton Park	NY
Northwest Bank Northwest Bank Branch	Eastern Hills Mall, 4545 Transit Road	Williamsville	NY
CTBC Bank Corp. (USA) Brooklyn Branch	54-18 8th Avenue	Brooklyn	NY
Woodforest National Bank 8034 Village Of Newark New York Walm Branch	6788 Rt 31 East	Newark	NY
Solvay Bank Cicero Branch	7895 Brewerton Road	Cicero	NY
Wells Fargo Bank, National Association Park & 40th Branch	99 Park Avenue	New York	NY
Ballston Spa National Bank Wilton Office Branch	Route 9	Wilton	NY
Bank of America, National Association Goldens Bridge Branch	Route 22	Goldens Bridge	NY
Lake Shore Savings Bank East Amherst Branch	5751 Transit Road	East Amherst	NY
Tompkins Community Bank Cornell Campus Store Branch	Central Avenue	Ithaca	NY
Citibank, National Association Lakeland Branch	3131 East Main Street	Mohegan Lake	NY
Adirondack Bank Holland Patent Branch	9576 Main Street	Holland Patent	NY
Lake Shore Savings Bank East Amherst Branch	5751 Transit Road	East Amherst	NY
Adirondack Bank Holland Patent Branch	9576 Main Street	Holland Patent	NY
Citibank, National Association Lakeland Branch	3131 East Main Street	Mohegan Lake	NY
ConnectOne Bank Madison Avenue Branch Office	551 Madison Avenue	New York	NY
Tompkins Community Bank Cornell Campus Store Branch	Central Avenue	Ithaca	NY
TD Bank, National Association Latham Branch	One Old Loudon Road	Latham	NY
Bank of America, National Association Goldens Bridge Branch	Route 22	Goldens Bridge	NY
PNC Bank, National Association 11 Penn Plaza Branch	Seventh Avenue And West 31st Street	New York	NY
PNC Bank, National Association 11 Penn Plaza Branch	Seventh Avenue And West 31st Street	New York	NY
PNC Bank, National Association 11 Penn Plaza Branch	Seventh Avenue And West 31st Street	New York	NY
Cross County Savings Bank Eliot Branch	80-10 Eliot Avenue	Middle Village	NY
Cross County Savings Bank Eliot Branch	80-10 Eliot Avenue	Middle Village	NY
PNC Bank, National Association 11 Penn Plaza Branch	Seventh Avenue And West 31st Street	New York	NY
Bank of America, National Association Goldens Bridge Branch	Route 22	Goldens Bridge	NY
JPMorgan Chase Bank, National Association U Of R River Campus Branch	500 Joseph C Wilson Boulevard	Rochester	NY
TrustCo Bank Stuyvesant Plaza Branch	Western Avenue At Fuller Road	Albany	NY
First National Bank of Scotia Guilderland-Westmere Branch	8 Karner Road	Guilderland	NY
TrustCo Bank Stuyvesant Plaza Branch	Western Avenue At Fuller Road	Albany	NY
Sawyer Savings Bank Sawyer Savings Bank Branch	87 Market Street	Saugerties	NY
Adirondack Bank Holland Patent Branch	9576 Main Street	Holland Patent	NY
Citibank, National Association Lakeland Branch	3131 East Main Street	Mohegan Lake	NY