The best CD rates in New York have some of the best rates available nationwide and beat the national best CD rates in all categories.  The best six month CD rate in New York is offered by Massena Savings & Loan with an interest rate of 2.56%.  EastBank continues to the lead the category with an extended term CD that matures in nine months but also has a measurably higher rate at 2.60%.  The highest CD rates make a somewhat precipitous drop from here, the next best CD rate is now at 2.15% on a six month CD promoted by Trustco Bank.  Mutual Bank falls in line next with a six month CD that has a rate of 2.09%.  Intervest National Bank and Hudson City Savings Bank end the list with six month CD rates at 2.00%.

Massena Savings & Loan continues to dominate the one year CD rate list.  The bank has actually increased the yield they offer on this CD to 2.87%.  A full1/4 percent behind this rate is the 16 month term CD of Mutual Bank that has an interest rate of 2.62%.  Atlas Savings and Loan follows with a 15 month CD that earns a rate of 2.53%.  Only three basis points lower is the longer, 18 month CD of First Republic Bank with a rate of 2.50%.  Intervest National Bank slips back with a one year CD rate of 2.40% and Citibank ends the list with a one year CD that now yields 2.25%.

Surprisingly or perhaps not, Massena Savings & Loan leads the best two year CD rates in New York.  Massena Savings has a two year CD with an interest rate of 3.08%.  Four basis points back is Atlas Savings with their two year CD at 3.04%.  Four more basis points lower and we find the two year CD of First Republic Bank at 3.00%.  Almost ¼ percent behind this rate is State Bank of India which offers a two year CD rate of 2.78%.  Mutual Bank and City National Bank round out the list with two year CD rates of 2.76% and 2.75%, respectively.

Two banks in New York offer five year CD rates that handily beat the best national rates.  First Republic Bank continues their offer of a five year CD that has a rate of 4.00% while Atlas Savings and Loan has a five year CD at 3.82%.  Intervest National Bank leads the best national rates but falls into third position in New York with an interest rate of 3.66%.  With a five year CD rate of 3.55%, State Bank of India has the next best certificate of deposit.  Dime Savings Bank and City National Bank conclude this list with five year CDs that both offer rates at 3.50%.

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