New York state CD rates continue to offer more opportunities than can be found from the national bank rates.  The list of banks moved around the various term lists, however most of the highest CD rates remained stable and continue to outpace the national averages.  Massena Savings & Loan offers the best six month CD rate at 2.56, well above the best national rate.  The top CD ranked in the category of six month CD rates in New York is being promoted by EastBank which has an extended nine month term CD with an interest rate of 2.60%.  Amalgamated Bank and Trustco Bank run in the next position with six month CD rates of 2.25%.

The best one year CD rate in New York is presented by Massena Savings & Loan and has a rate of 2.82%.  State Bank of India which is third on the list of top one year CD rates for the national list falls in second spot for the state of New York with an interest rate of 2.63%.  One basis point behind this rate is the certificate of deposit of Mutual Bank that has an interest rate of 2.62% on a 16 month term.  Playing clean up for this list is the one year CD of First Republic Bank at 2.50%.

Three banks in the two year CD rate category for New York surpass the best national rates.  Massena Savings & Loan leads the pack again with a two year CD that has an interest rate of 3.08%.  First Republic Bank drops back a bit with a two year CD rate of 3.05%.  Atlas Savings and Loan of Brooklyn continue the trend of beating the national rates with a two year CD rate at 3.04%.  Intervest National Bank, a usual member of the national list, sports a 30 month CD with an interest rate of 2.90%.  State Bank of India and Mutual Bank round out the list with CD rates of 2.78% and 2.76% respectively.

The best five year CD rates in New York are also running ahead of the national rates. First Republic Bank has the highest CD rate at 4.00%.  At 3.82%, Atlas Savings and Loan is runner up with their five year certificate of deposit.  State Bank of India is in third position with a CD rate of 3.80%, this CD is also the leader for the national list of five year CDs.  City National Bank and Dime Savings Bank wind the list down with five year CD rates of 3.50%.

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