Highest CD Rates in New York
452 New York-specific CD products
The New York market
New York accounts
452
Institutions
48
Top New York APY
4.90% APY
Nationally: 5.00% APY
FDIC national average
1.73%
As of Sep 2026
452 CDs are open only to New York residents, from 48 institutions. The highest advertised APY among them is 4.90%.
The highest nationally available rate is 5.00% APY, 10 basis points above the New York leader.
242 of the 452 New York CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
New York-Specific CD Rates
CD rates specifically available to New York residents. Business, youth and IRA CDs are not included.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.90%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #2 | 4.64%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #3 | 4.55%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.55%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #5 | 4.55%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #6 | 4.55%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #7 | 4.40%APY Observed: Oct 13, 2026 | $1,000 | ||
| #8 | 4.40%APY Observed: Oct 13, 2026 | $2,000 | ||
| #9 | 4.38%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #10 | 4.35%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #11 | Up to4.35%APY Needs at least $100,000 Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #12 | 4.30%APY Observed: Oct 13, 2026 | $1,000 | ||
| #13 | Up to4.30%APY Needs at least $100,000 Observed: Oct 12, 2026 Branches: Yes | $1,000 | ||
| #14 | 4.30%APY Observed: Oct 13, 2026 | $2,000 | ||
| #15 | 4.30%APY That 4.30% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $250 | ||
| #16 | 4.30%APY Observed: Oct 13, 2026 | $1,000 | ||
| #17 | 4.25%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #18 | 4.25%APY Observed: Oct 12, 2026 Branches: Yes | $500 | ||
| #19 | 4.25%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #20 | 4.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #21 | 4.25%APY That 4.25% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $250 | ||
| #22 | 4.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #23 | 4.20%APY Observed: Oct 13, 2026 | $1,000 | ||
| #24 | 4.20%APY Observed: Oct 13, 2026 | $1,000 | ||
| #25 | 4.15%APY That 4.15% is a promotional rate. Observed: Oct 13, 2026 Branches: Yes | $250 | ||
| #26 | Up to4.15%APY Needs at least $100,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #27 | 4.10%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #28 | 4.10%APY Observed: Oct 13, 2026 | $1,000 | ||
| #29 | 4.00%APY Observed: Oct 13, 2026 | $1,000 | ||
| #30 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #31 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | Up to4.00%APY Needs at least $100,000 Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #33 | 4.00%APY Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #34 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #35 | 4.00%APY Observed: Oct 13, 2026 | $1,000 | ||
| #36 | 4.00%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #37 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #38 | 4.00%APY Observed: Oct 13, 2026 | $2,000 | ||
| #39 | 4.00%APY Observed: Oct 13, 2026 | $1,000 | ||
| #40 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #41 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #42 | 3.95%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #43 | 3.90%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #44 | 3.90%APY Observed: Oct 7, 2026 Branches: Yes | $2,500 | ||
| #45 | 3.86%APY Observed: Oct 13, 2026 Branches: Yes | $1,000 | ||
| #46 | 3.85%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #47 | 3.85%APY Observed: Oct 10, 2026 Branches: Yes | N/A | ||
| #48 | Up to3.85%APY Needs at least $100,000 Observed: Oct 3, 2026 Branches: Yes | $1,000 | ||
| #49 | 3.85%APY Observed: Oct 13, 2026 Branches: Yes | $50,000 | ||
| #50 | 3.80%APY Observed: Oct 7, 2026 Branches: Yes | $500 |
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
Yes
$1,000
N/A
$2,000
N/A
$1,000
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
N/A
Needs at least $100,000
$1,000
Yes
$2,000
N/A
That 4.30% is a promotional rate.
$250
Yes
$1,000
N/A
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
That 4.25% is a promotional rate.
$250
Yes
$500
Yes
$1,000
N/A
$1,000
N/A
That 4.15% is a promotional rate.
$250
Yes
Needs at least $100,000
$1,000
Yes
$2,500
Yes
$1,000
N/A
$1,000
N/A
$500
Yes
$500
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
$500
Yes
$1,000
N/A
$1,000
Yes
$2,500
Yes
$2,000
N/A
$1,000
N/A
$500
Yes
$500
Yes
$1,000
Yes
$1,000
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
N/A
Yes
Needs at least $100,000
$1,000
Yes
$50,000
Yes
$500
Yes
Nationally Available CD Rates
The 8 highest CD rates available nationwide, including in New York.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 60 Months60 months | 5.00% |
| Popular Direct | 48 Months48 months | 4.95% |
| Popular Direct | 36 Months36 months | 4.85% |
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Bread Savings | 18-Month CD18 months | 4.75% |
| Barclays | 24-Month CD24 months | 4.75% |
| Barclays | 60-Month CD60 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |