Highest 1-Year CD Rates in New York
61 New York-specific 12-Month CD products
The New York market
New York accounts
61
Institutions
49
Top New York APY
4.40% APY
Nationally: 4.60% APY
FDIC national average
1.76%
As of Oct 2026
61 12-month CDs are open only to New York residents, from 49 institutions. The highest advertised APY among them is 4.40%.
The highest nationally available rate is 4.60% APY, 20 basis points above the New York leader.
37 of the 61 New York 12-month CDs advertise more than the FDIC national average of 1.76% for 12-month CDs as of Oct 2026.
New York-Specific 12-Month CD Rates
12-Month CD rates specifically available to New York residents. Business, youth and IRA CDs are not included on this page.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.40%APY Observed: Oct 26, 2026 Branches: Yes | $1,000 | ||
| #2 | 4.30%APY Observed: Oct 26, 2026 Branches: Yes | $1,000 | ||
| #3 | 4.25%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #4 | 4.25%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #5 | 4.25%APY Observed: Oct 30, 2026 Branches: Yes | $500 | ||
| #6 | 4.15%APY That 4.15% is a promotional rate. Observed: Oct 30, 2026 Branches: Yes | $250 | ||
| #7 | 4.10%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #8 | 4.10%APY Observed: Oct 28, 2026 Branches: Yes | $2,500 | ||
| #9 | 4.00%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #10 | 4.00%APY Observed: Oct 30, 2026 Branches: Yes | $1,000 | ||
| #11 | 4.00%APY Observed: Oct 28, 2026 Branches: Yes | $2,500 | ||
| #12 | 3.85%APY Observed: Oct 28, 2026 Branches: Yes | N/A | ||
| #13 | Up to3.85%APY Needs at least $100,000 Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.85%APY Observed: Oct 28, 2026 Branches: Yes | $5,000 | ||
| #15 | 3.80%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #16 | 3.80%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #17 | 3.75%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #18 | 3.75%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #19 | 3.70%APY Observed: Oct 28, 2026 Branches: Yes | $100 | ||
| #20 | Up to3.65%APY Needs at least $100,000 Observed: Oct 31, 2026 Branches: Yes | $1,000 | ||
| #21 | 3.65%APY Observed: Oct 31, 2026 Branches: Yes | $50,000 | ||
| #22 | 3.60%APY Observed: Oct 30, 2026 Branches: Yes | $1,000 | ||
| #23 | 3.41%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #24 | Up to3.40%APY Needs at least $100,000 Observed: Oct 21, 2026 Branches: Yes | $1,000 | ||
| #25 | 3.40%APY Observed: Oct 31, 2026 Branches: Yes | $1,000 | ||
| #26 | Up to3.30%APY On balances of $250,000 to $1,000,000 · 2.50% below Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #27 | 3.30%APY On balances under $1,000,000 · no rate stated above Observed: Oct 28, 2026 Branches: Yes | $10,000 | ||
| #28 | 3.27%APY That 3.27% is a promotional rate. Observed: Oct 19, 2026 Branches: Yes | $500 | ||
| #29 | 3.12%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #30 | 3.09%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #31 | 3.00%APY Observed: Oct 21, 2026 Branches: Yes | N/A | ||
| #32 | 3.00%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #33 | 2.87%APY Observed: Oct 31, 2026 Branches: Yes | $10,000 | ||
| #34 | Up to2.75%APY On balances of $250,000 to $1,000,000 · 1.60% below Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #35 | 2.53%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #36 | 2.27%APY Observed: Oct 31, 2026 Branches: Yes | $2,000 | ||
| #37 | 2.00%APY Observed: Oct 28, 2026 Branches: Yes | $2,500 | ||
| #38 | 1.61%APY Observed: Oct 28, 2026 Branches: Yes | $100 | ||
| #39 | 1.50%APY Observed: Oct 31, 2026 Branches: Yes | $1,000 | ||
| #40 | 1.50%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #41 | 1.30%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #42 | 0.80%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #43 | 0.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #44 | 0.75%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #45 | 0.70%APY Observed: Oct 28, 2026 Branches: Yes | $10,000 | ||
| #46 | 0.65%APY Observed: Oct 28, 2026 Branches: Yes | $1,000 | ||
| #47 | 0.55%APY Observed: Oct 28, 2026 Branches: Yes | $2,500 | ||
| #48 | 0.50%APY Observed: Oct 28, 2026 Branches: Yes | $500 | ||
| #49 | 0.25%APY Observed: Oct 21, 2026 Branches: Yes | $500 | ||
| #50 | 0.20%APY Observed: Oct 28, 2026 Branches: Yes | $500 |
$1,000
Yes
$1,000
Yes
$1,000
Yes
$500
Yes
$500
Yes
That 4.15% is a promotional rate.
$250
Yes
$1,000
Yes
$2,500
Yes
$1,000
Yes
$1,000
Yes
$2,500
Yes
N/A
Yes
Needs at least $100,000
$1,000
Yes
$5,000
Yes
$1,000
Yes
$500
Yes
$1,000
Yes
$500
Yes
$100
Yes
Needs at least $100,000
$1,000
Yes
$50,000
Yes
$1,000
Yes
$1,000
Yes
Needs at least $100,000
$1,000
Yes
$1,000
Yes
On balances of $250,000 to $1,000,000 · 2.50% below
$1,000
Yes
On balances under $1,000,000 · no rate stated above
$10,000
Yes
That 3.27% is a promotional rate.
$500
Yes
$500
Yes
$500
Yes
N/A
Yes
$500
Yes
$10,000
Yes
On balances of $250,000 to $1,000,000 · 1.60% below
$1,000
Yes
$500
Yes
$2,000
Yes
$2,500
Yes
$100
Yes
$1,000
Yes
$500
Yes
$500
Yes
$1,000
Yes
$500
Yes
$500
Yes
$10,000
Yes
$1,000
Yes
$2,500
Yes
$500
Yes
$500
Yes
$500
Yes
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
Nationally Available 12-Month CD Rates
The 8 highest 12-Month CD rates available nationwide, including in New York.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 12 Months12 months | 4.60% |
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.55% |
| Rising Bank | Term CD 1-Year12 months | 4.51% |
| Ally Bank | 12 Mo CD12 months | 4.50% |
| Barclays | 12-Month CD12 months | 4.50% |
| CIBC Bank USA | 12-Month Agility CD12 months$5,000,000 or less only | 4.50% |
| KS StateBank | 1 Year CD12 months | 4.50% |
| Live Oak Bank | 1 Year Personal CD12 months | 4.50% |
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.