Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
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Below are special Certificate of Deposit special rates and terms from banks in New York, 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.
New York, NY - October 26, 2026
As of October 26, 2026, the highest special CD rate from a bank in New York, NY is 4.45% APY from Finworth, a division of InsBank (minimum deposit $50,000). The best rate with a $1,000 minimum or less is 4.40% APY from TrustCo Bank (minimum deposit $500). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
|
Finworth, a division of InsBank New York Branch |
4.45% | $50,000 | 22 months |
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|
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Rate History: 3.90% → 3.50% → 3.20% → 4.35% → 4.45% |
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Trustco Bank Branch
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4.40% | $500 | 6 months |
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Rate History: 3.50% → 3.45% → 3.40% → 4.15% → 4.40% |
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|
6th Avenue Branch
|
4.39% | $10,001 | 6 months |
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Rate History: 3.82% → 3.92% → 4.00% → 4.11% → 4.39% |
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First Central Savings Bank Branch
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4.35% | $500 | 14 months |
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Rate History: 3.95% → 3.65% → 3.85% → 4.25% → 4.35% |
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Amboy Road Branch
|
4.25% | $500 | 10 months |
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Rate History: 5.00% → 4.50% → 3.00% → 3.85% → 4.25% |
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Railroad Avenue Branch
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4.25% | $1,000 | 15 months |
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Rate History: 4.45% → 4.25% → 4.00% → 3.00% → 4.25% |
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Staten Island Branch
|
4.00% | $500 | 7 months |
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Rate History: 4.50% → 4.00% |
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Bensonhurst Branch
|
4.00% | $1,000 | 7 months |
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Rate History: 4.00% → 4.75% → 4.00% |
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Trustco Bank Branch
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4.00% | $500 | 12 months |
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Rate History: 3.60% → 3.65% → 1.25% → 3.50% → 4.00% |
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Amboy Road Branch
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4.00% | $500 | 14 months |
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Rate History: 3.00% → 3.85% → 4.00% |
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Bay Ridge Branch
|
3.95% | $100 | 10 months |
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Rate History: 5.15% → 4.50% → 4.05% → 3.95% → 3.95% |
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Bank of America, National Association Richmond Shopping Center Branch |
3.80%
3.51% 3.51% |
$100,000
$10,000 |
7 months |
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|
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Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80% |
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Madison Avenue Branch Office
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3.75% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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Fifth Avenue Branch
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3.75% | $1,000 | 7 months |
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Rate History: 5.05% → 5.15% → 5.30% → 4.95% → 3.75% |
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Citizens Bank, National Association Yonkers Branch |
3.75% | $25,000 | 8 months |
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Rate History: 4.15% → 3.65% → 4.00% → 3.75% |
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Railroad Avenue Branch
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3.70% | $1,000 | 11 months |
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Rate History: 4.30% → 4.25% → 4.00% → 3.80% → 3.70% |
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Fifth Avenue Branch
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3.70% | $1,000 | 13 months |
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Rate History: 5.10% → 4.90% → 5.25% → 5.00% → 3.70% |
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BankUnited, National Association Borough Park Brooklyn Branch |
3.65% | $1,000 | 6 months |
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Rate History: 4.50% → 4.35% → 4.25% → 4.00% → 3.65% |
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Bay Ridge Branch
|
3.55% | $500 | 3 months |
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Rate History: 4.50% → 4.00% → 4.00% → 3.55% |
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PNC Bank, National Association 11 Penn Plaza Branch |
3.50% | $1,000 | 13 months |
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Fifth Avenue Branch
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3.40% | $1,000 | 19 months |
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Rate History: 4.75% → 4.60% → 4.45% → 4.30% → 3.40% |
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Fifth Avenue Branch
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3.35% | $1,000 | 4 months |
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Rate History: 4.80% → 5.00% → 5.35% → 4.90% → 3.35% |
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Staten Island/Tottenville 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 |
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Rate History: 3.50% → 3.35% → 3.25% |
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Madison Avenue Branch Office
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3.20% | $500 | 17 months |
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Early withdrawal penalty is 180 days interest. |
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Eastbank, National Association Eastbank, National Association Branch |
3.00% | $2,500 | 3 months |
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|
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Rate History: 4.00% → 3.85% → 3.85% → 3.00% |
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Citibank, National Association Princes Bay Branch |
3.00% | $0 | 5 months |
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|
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Rate History: 2.90% → 2.00% → 4.00% → 3.50% → 3.00% |
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Brooklyn Branch
|
3.00% | $5,000 | 12 months |
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Rate History: 3.50% → 3.00% |
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Bank of America, National Association Richmond Shopping Center 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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City National Bank of Los Angeles. California 6th Avenue Branch |
2.78% | $10,000 | 5 months |
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Rate History: 3.35% → 3.09% → 3.05% → 3.09% → 2.78% |
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Citibank, National Association Princes Bay Branch |
2.75% | $0 | 6 months |
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Rate History: 3.50% → 4.00% → 2.00% → 2.50% → 2.75% |
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Madison Avenue Branch Office
|
2.75% | $500 | 23 months |
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|
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Early withdrawal penalty is 180 days interest. |
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PNC Bank, National Association 11 Penn Plaza Branch |
2.60% | $1,000 | 61 months |
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PNC Bank, National Association 11 Penn Plaza Branch |
2.40% | $1,000 | 37 months |
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JPMorgan Chase Bank, National Association Tottenville Branch |
2.25% | $100,000 | 6 months |
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Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25% |
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PNC Bank, National Association 11 Penn Plaza Branch |
2.20% | $1,000 | 25 months |
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Kings Branch
|
2.15% | $500 | 7 months |
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|
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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 |
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|
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Kings 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 Princes Bay Branch |
2.00% | $0 | 4 months |
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|
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Rate History: 3.75% → 2.25% → 3.00% → 2.00% |
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Staten Island/Tottenville Branch
|
2.00% | $10,001 | 6 months |
Learn More
|
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Rate History: 2.75% → 3.51% → 3.45% → 3.51% → 2.00% |
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|
Bank of America, National Association Richmond Shopping Center 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
|
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Rate History: 0.05% → 1.90% |
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Bank of America, National Association Richmond Shopping Center Branch |
1.75% | $10,000 | 25 months |
Learn More
|
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The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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|
Trustco Bank Branch
|
1.25% | $500 | 18 months |
Learn More
|
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Rate History: 0.40% → 0.20% → 0.40% → 3.50% → 1.25% |
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|
Citibank, National Association Princes Bay 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 6th Avenue Branch |
0.05% | $10,000 | 3 months |
Learn More
|
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Rate History: 3.30% → 3.25% → 3.30% → 2.78% → 0.05% |
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