Highest Yielding 5-Year CD Rates for Niagara Falls, NY

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• Inner Lakes Federal Credit Union

  4.18%

  Credit Union with nearby branch - View 60 Month - $1,000 Min.

• Bank of Utica

  4.15%

  Bank with nearby branch - View 5 YEAR - $500 Min.

• Synchrony Bank	4.00%	Online Rate 60 Month CD - $0 Min.
  Judith | May 12, 2023 | I can’t get a real live person ever! Don’t use them ! More Reviews

• BMO Alto, a division of Bank of Montreal Harris	4.00%	Online Rate 5-Year CD - $0 Min. Early Withdrawal Penalty is 180 days interest.
  J Tremain | February 22, 2024 | They gave me the new, lower CD rate even though I had opened the account online when the CD rate was 0.15% higher. I checked with Wells and they had even initiated the transfer before they lowered the rat... More Reviews

• Us Alliance Federal Credit Union

  4.00%

  Credit Union with nearby branch - View 60 Month - $500 Min.

• G.p.o. Federal Credit Union

  4.00%

  Credit Union with nearby branch - View 60 Month - $1,000 Min.

• State Bank of India

  3.96%

  Bank with nearby branch - View 60 Month CD - $1,000 Min.

• Visions Federal Credit Union

  3.95%

  Credit Union with nearby branch - View 60 MONTH - $500 Min.

• Merrick Bank

  3.95%

  Online Rate 60 Month Online CD - $25,000 Min. Warning: Early Withdrawal Penalty is 2% of the account balance.

• M.Y. Safra Bank

  3.90%

  Online Rate 60 Month Online CD - $500 Min. Early Withdrawal Penalty is 90 days interest.

• Empower Federal Credit Union

  3.90%

  Credit Union with nearby branch - View 5 Year - $500 Min.

• Financial Resources Federal Credit Union

  3.87%

  Credit Union with nearby branch - View 60 Month Relationship Premium - $500 Min.

• Navy Federal Credit Union	3.85%	Online Rate with branch - View 5 Year - $100,000 Min.
  Rc | June 19, 2024 | Least friendly bank I have ever dealt with. First wanted me to abandon my existing bank and move all direct deposit to them. Second no one even smiles or welcomes you. I got the feeling I was wasting t... More Reviews

• Colorado Federal Savings Bank

  3.80%

  Online Rate 60 Month CD - $5,000 Min. Early Withdrawal Penalty is 6 Months' Interest.

• Navy Federal Credit Union	3.80%	Credit Union with nearby branch - View 5 Year - $20,000 Min.
  Rc | June 19, 2024 | Least friendly bank I have ever dealt with. First wanted me to abandon my existing bank and move all direct deposit to them. Second no one even smiles or welcomes you. I got the feeling I was wasting t... More Reviews

• Ridgewood Savings Bank

  3.75%

  Bank with nearby branch - View 60 MONTH - $100 Min.

• KS StateBank

  3.75%

  Online Rate with branch - View 5 YEAR - $500 Min.

• CFG Bank	3.75%	Online Rate 5-Year CD - $500 Min.
  nunya | May 22, 2023 Your personal experiences OUTSIDE the bank shouldn't be the basis for your review of how the bank actually functions. More Reviews

• Popular Bank

  3.75%

  Bank with nearby branch - View 60 Month CD - $1,000 Min.

• Seattle Bank

  3.75%

  Online Rate with branch - View 60 Month - $1,000 Min. Early Withdrawal Penalty is 180 days interest.

• Sallie Mae Bank	3.75%	Online Rate 60 Month CD - $2,500 Min.
  JPreston | January 7, 2023 | Called and asked them to match rates offered through save better for a 15 year client since directly offered rates are no longer competitive. Received nasty response. My only regret now is that I need to c... More Reviews

• Customers Bank

  3.70%

  Online Rate with branch - View 60 MONTH - $500 Min.

• First Internet Bank of Indiana

  3.67%

  Online Rate 5-Year CD - $1,000 Min. Early Withdrawal Penalty is 360 days interest.

• Massena Savings and Loan

  3.61%

  Bank with nearby branch - View 60 MONTH - $1,000 Min.

• Goldman Sachs Bank	3.60%	Online Rate 60 Month CD - $500 Min.
  Leslie G | December 7, 2021 | I've been unable to log on all evening because of the AWS outage. Also, I waited on hold for over 1 hour before giving up. Unable to get access to my money and disappointed by the AWS reliance with no re... More Reviews

• Connexus Credit Union	3.60%	Online Rate Jumbo 60 Month - $100,000 Min.
  Josh Hinson | February 3, 2023 | So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... More Reviews

• Xcel Federal Credit Union

  3.56%

  Credit Union with nearby branch - View 60 Month - $500 Min.

• Suma Federal Credit Union

  3.56%

  Credit Union with nearby branch - View 5 Year - $1,000 Min.

• Maspeth Federal Savings and Loan Association

  3.55%

  Bank with nearby branch - View 60 MONTH - $2,500 Min.

• Virtualbank, a division of First Horizon Bank	3.51%	Online Rate 5 Year CD - $10,000 Min. Warning: Early withdrawal penalty is 2% of principal
  YTu | June 27, 2023 | Amataur outfit - stay away More Reviews

• Capital One 360	3.50%	Online Rate 5 Year CD - $0 Min. Early Withdrawal Penalty is 6 months interest.
  Lucille Foster | December 6, 2022 | The MOST organized bank with easy to read online banking ever! More Reviews

• Ally Bank	3.50%	Online Rate 5 year CD - $0 Min.
  TeresaKnight | August 1, 2022 | Hard to imagine how Ally got to be so bad, but 1 hour to speak with anyone on the phone is just not good business. It however is slightly better than my other bank which is CIT which hangs up on me. More Reviews

• Capital One, National Association	3.50%	Bank with nearby branch - View 60 Month - $0 Min.
  Lucille Foster | December 6, 2022 | The MOST organized bank with easy to read online banking ever! More Reviews

• Spring Bank

  3.50%

  Bank with nearby branch - View 60 MONTH - $250 Min.

• Capital Communications Federal Credit Union

  3.50%

  Credit Union with nearby branch - View 60 Month - $500 Min.

• Northern Bank Direct	3.50%	Online Rate 60 Month CD - $500 Min.
  Wazup | October 13, 2022 | might be a good as a local bank, but not set up as an online bank More Reviews

• TIAA Bank / Everbank	3.50%	Online Rate Basic CD - $1,000 Min. Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
  Jeff T | November 21, 2023 | Everbank is the same name that was issuing foreign currency CDs and saying there was no risk and then violating their own T&C to not pay out. It is back. Terrible bank, no matter what the name. More Reviews

• Quorum Federal Credit Union

  3.50%

  Credit Union with nearby branch - View 60 Month Term - $1,000 Min.

• Teachers Federal Credit Union

  3.50%

  Credit Union with nearby branch - View 60 Month - $1,000 Min.

• Apple Bank for Savings

  3.50%

  Bank with nearby branch - View 5 Year - $1,000 Min.

• Bread Savings, a division of Bread Financial	3.50%	Online Rate 5-Year CD - $1,500 Min. Early withdrawal penalty is 365 days interest.
  PB VeganChic | November 7, 2023 | The rates are good but it was a hassle getting my account set up. The app does not work. I purchased a 5 year CD and I hope I don't have any issues when it's time to cash it out. I wouldn't recommend Bread... More Reviews

• Connexus Credit Union	3.50%	Online Rate with branch - View 60 Month - $5,000 Min.
  Josh Hinson | February 3, 2023 | So I financed a camper through this group. The plumbing water sewer black and gray tank fell to the ground 30 days after purchase. It was being “ fixed “ for almost 5 months the dealer assured me I wou... More Reviews

• TotalDirect, a division of City National Bank of Florida	3.50%	Online Rate 60-Month CD - $25,000 Min.
  J Dally | June 13, 2023 | 5% + on a savings rate is attractive, but the phone reps are trained to tell people as a first response to come to a branch to address any inquiries. (Thankfully, I don't live in Florida but I also means ... More Reviews

• Ukrainian National Federal Credit Union

  3.50%

  Credit Union with nearby branch - View 60 Month - $1,000 Min.

• Ridgedale Federal Credit Union

  3.45%

  Credit Union with nearby branch - View 60 Month - $500 Min.

• Citizens	3.45%	Online Rate 5 Year CD ONLINE - $5,000 Min.
  Abzo68 | May 17, 2022 | I have accounts at some of these other names where I make a little more, but if I need something (to access my cash or to cover an obligation somewhere), this is the place I go. Great service by phone too... More Reviews

• Popular Direct

  3.45%

  Online Rate 5 Year CD - $10,000 Min. Early Withdrawal Penalty is 730 days interest.

• Access Federal Credit Union

  3.40%

  Credit Union with nearby branch - View 60 MONTH - $1,000 Min.

• Discover Bank

  3.40%

  Online Rate 60 Month CD - $2,500 Min.

• LendingClub	3.40%	Online Rate 5 Year CD - $2,500 Min. Early Withdrawal Penalty is 180 days interest.
  JeromeK | September 18, 2022 | Let's see. A bank with a name like "LendingClub" that is focused on predatory straight cash lending in an economy that has gone from flush with cash to a deep recession (depression?) and that has a website... More Reviews