Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing local cd rates from banks around: New York, NY 10116
This page lists Certificate of Deposit rates and terms for non-traditional lengths offered by banks located within 20 miles of the zip code selected above. CDs of ordinarily terms (3-month, 6-month, 1-year, 18-month, 2-year, 3-year, 4-year and 5-year) are found in the respective tables which can be accessed in the tabs above.
You can also view specials for banks across your state by clicking 'view rates statewide' above. Additionally, click on the credit union tab above to see offerings from credit unions in your area.
As rates rise, banks near you may offer special CD offers at any time to attract new capital and new customers. Check back frequently for updates.
New York City, NY - October 25, 2026
As of October 25, 2026, the highest special CD rate from a bank around New York, NY 10116 is 5.00% APY from First Commerce Bank New Jersey (minimum deposit $1,000). 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 | |
|---|---|---|---|---|
|
First Commerce Bank New Jersey Montvale Branch Office |
5.00% | $1,000 | 10 months |
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|
Finworth, a division of InsBank New York Branch |
4.45% | $50,000 | 22 months |
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Rate History: 3.90% → 3.50% → 3.20% → 4.35% → 4.45% |
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Bronxville Branch
|
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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East Hanover 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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First Central Savings Bank Branch
|
4.25% | $500 | 14 months |
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Rate History: 4.15% → 3.95% → 3.65% → 3.85% → 4.25% |
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Railroad Avenue Branch
|
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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Montville Branch
|
4.00% | $500 | 7 months |
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Rate History: 4.50% → 4.00% |
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Bergenline Ave. Branch
|
4.00% | $1,000 | 7 months |
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Rate History: 4.00% → 4.75% → 4.00% |
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Bronxville Branch
|
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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East Hanover Branch
|
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 North Point Branch (Frgn) |
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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Springfield Branch
|
3.75% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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Perth Amboy Branch
|
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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Wells Fargo Bank, National Association Nassau Branch (Frgn) |
3.74% | $2,500 | 7 months |
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Rate History: 3.64% → 3.75% → 3.50% → 3.24% → 3.74% |
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Railroad Avenue Branch
|
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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Perth Amboy Branch
|
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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Wells Fargo Bank, National Association Nassau Branch (Frgn) |
3.64% | $2,500 | 15 months |
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Rate History: 3.74% → 3.64% |
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Wells Fargo Bank, National Association Nassau Branch (Frgn) |
3.59% | $2,500 | 11 months |
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Rate History: 3.75% → 3.50% → 3.25% → 2.99% → 3.59% |
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Mountainside Branch
|
3.55% | $500 | 3 months |
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Rate History: 4.50% → 4.00% → 4.00% → 3.55% |
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North Middletown Road Branch
|
3.50% | $50,000 | 12 months |
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PNC Bank, National Association North Edison Branch |
3.50% | $1,000 | 13 months |
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Perth Amboy Branch
|
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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Perth Amboy Branch
|
3.35% | $1,000 | 4 months |
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|
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Rate History: 4.80% → 5.00% → 5.35% → 4.90% → 3.35% |
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Montville Nj Branch
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3.25% | $10,000 | 12 months |
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|
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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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|
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Rate History: 3.50% → 3.35% → 3.25% |
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Springfield Branch
|
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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Rate History: 4.00% → 3.85% → 3.85% → 3.00% |
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Citibank, National Association Private Bank Branch - Short Hill |
3.00% | $0 | 5 months |
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Rate History: 2.90% → 2.00% → 4.00% → 3.50% → 3.00% |
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Brooklyn Branch
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3.00% | $5,000 | 12 months |
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Rate History: 3.50% → 3.00% |
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North Middletown Road Branch
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3.00% | $10,000 | 23 months |
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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 North Point Branch (Frgn) |
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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|
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Rate History: 3.35% → 3.09% → 3.05% → 3.09% → 2.78% |
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Citibank, National Association Private Bank Branch - Short Hill |
2.75% | $0 | 6 months |
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|
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Rate History: 3.50% → 4.00% → 2.00% → 2.50% → 2.75% |
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Classic Residence Branch
|
2.75% | $1,000 | 8 months |
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Rate History: 1.00% → 3.50% → 2.75% |
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Springfield Branch
|
2.75% | $500 | 23 months |
Learn More
|
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Early withdrawal penalty is 180 days interest. |
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PNC Bank, National Association North Edison Branch |
2.60% | $1,000 | 61 months |
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|
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Classic Residence Branch
|
2.50% | $1,000 | 6 months |
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|
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PNC Bank, National Association North Edison Branch |
2.40% | $1,000 | 37 months |
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|
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JPMorgan Chase Bank, National Association Oakes Field Center Branch (Frgn) |
2.25% | $100,000 | 6 months |
Learn More
|
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Rate History: 1.50% → 1.01% → 0.75% → 0.50% → 2.25% |
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PNC Bank, National Association North Edison Branch |
2.20% | $1,000 | 25 months |
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|
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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 North Edison Branch |
2.10% | $1,000 | 19 months |
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|
|
Kings Branch
|
2.00% | $500 | 3 months |
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|
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Rate History: 2.45% → 2.40% → 2.00% → 1.90% → 2.00% |
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|
Citibank, National Association Private Bank Branch - Short Hill |
2.00% | $0 | 4 months |
Learn More
|
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Rate History: 3.75% → 2.25% → 3.00% → 2.00% |
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Montville Nj 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 North Point Branch (Frgn) |
2.00% | $10,000 | 13 months |
Learn More
|
|
Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00% |
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Classic Residence Branch
|
2.00% | $150,000 | 17 months |
Learn More
|
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PNC Bank, National Association North Edison Branch |
1.90% | $1,000 | 9 months |
Learn More
|
|
Rate History: 0.05% → 1.90% |
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|
Bank of America, National Association North Point Branch (Frgn) |
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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Classic Residence Branch
|
1.50% | $1,000 | 27 months |
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|
|
Rate History: 1.00% → 2.53% → 1.50% |
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Bronxville Branch
|
1.25% | $500 | 18 months |
Learn More
|
|
Rate History: 0.40% → 0.20% → 0.40% → 3.50% → 1.25% |
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|
Citibank, National Association Private Bank Branch - Short Hill |
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
|
|
Rate History: 3.30% → 3.25% → 3.30% → 2.78% → 0.05% |
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Last Update on October 24, 2026
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