Highest Yielding 1-Year CD Rates for Watertown, NY

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• My e-Banc, a division of Bradesco BAC Florida Bank

  4.80%

  Online Rate 12 Month Jumbo CD - $50,000 Min. Early Withdrawal Penalty is 3 months interest.

• Flushing Bank

  4.75%

  Bank with nearby branch - View 12 MONTH - $1,000 Min.

• InsBank

  4.70%

  Bank with nearby branch - View 1-Year CD - $50,000 Min.

• Mohawk Valley Federal Credit Union

  4.70%

  Credit Union with nearby branch - View 12 Month - $5,000 Min.

• American Airlines Federal Credit Union

  4.60%

  Credit Union with nearby branch - View 12 Month Regular Share Certificate - $10,000 Min.

• State Bank of India

  4.58%

  Bank with nearby branch - View 12 Month CD - $1,000 Min.

• Newtek Bank, National Association

  4.55%

  Online Rate with branch - View 12 Month - $2,500 Min.

• The Summit Federal Credit Union

  4.55%

  Credit Union with nearby branch - View 1 Year Jumbo - $75,000 Min.

• Spring Bank

  4.50%

  Bank with nearby branch - View 12 MONTH - $250 Min.

• Prime Alliance Bank	4.50%	Online Rate 12 Month Online CD - $500 Min. Early Withdrawal Penalty is 30 days interest.
  howdoyoudo | July 18, 2022 | And how is this an online bank if they are inundating me with invitations to a customer appreciation free movie showing in some remote location in Utah? More Reviews

• Xcel Federal Credit Union

  4.50%

  Credit Union with nearby branch - View 12 Month (New Money) - $500 Min.

• First Source Federal Credit Union

  4.50%

  Credit Union with nearby branch - View 12 MONTH - $500 Min.

• Evans Bank, National Association

  4.50%

  Bank with nearby branch - View 12 Month CD - $500 Min.

• Hudson Valley Credit Union

  4.50%

  Credit Union with nearby branch - View 12-Month Flex - $750 Min. Variable rate tied to US Treasury rates.

• Limelight Bank, A division of Capital Community Bank	4.50%	Online Rate 12-Month CD - $1,000 Min. Early Withdrawal Penalty is 90 days interest.
  John Grierer | September 3, 2023 | The ACH processes at this bank are terrible. At maturity of my CD, the bank refused an external ACH drawn from an outside bank, in spite of providing assurances that this would not happen together with th... More Reviews

• G.p.o. Federal Credit Union

  4.50%

  Credit Union with nearby branch - View 12 Month - $1,000 Min.

• Access Federal Credit Union

  4.50%

  Credit Union with nearby branch - View 12 MONTH - $1,000 Min.

• Teachers Federal Credit Union

  4.50%

  Credit Union with nearby branch - View 12 Month - $1,000 Min.

• Eastbank, National Association

  4.50%

  Bank with nearby branch - View 12 MONTH - $2,500 Min.

• Home Savings Bank (Utah)

  4.50%

  Online Rate with branch - View 12 Month CD - $5,000 Min. Early Withdrawal Penalty is 6 months interest.

• TotalDirect, a division of City National Bank of Florida	4.50%	Online Rate 12-Month CD - $25,000 Min. Early Withdrawal Penalty is 6 months interest.
  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

• The First National Bank of Long Island

  4.45%

  Bank with nearby branch - View 1 YEAR - $500 Min.

• Canadian Imperial Bank USA	4.43%	Online Rate 1-Year CD - $1,000 Min. Early Withdrawal Penalty is 30 days interest.
  Wesley | May 30, 2023 | Thank you to this site for showing this CD rate. I could not find it on the three leading sites (Bankrate, BestCashCow or Nerdwallet). Heck, I couldn't even find it easily on CIBC's own website, but that... More Reviews

• First Internet Bank of Indiana

  4.42%

  Online Rate 1-Year CD - $1,000 Min. Early Withdrawal Penalty is 180 days interest.

• Massena Savings and Loan

  4.39%

  Bank with nearby branch - View 12 MONTH - $1,000 Min.

• First Central Savings Bank

  4.35%

  Bank with nearby branch - View 12 Month Special - $500 Min.

• My e-Banc, a division of Bradesco BAC Florida Bank

  4.35%

  Online Rate 12 Month - $5,000 Min. Early Withdrawal Penalty is 3 months interest.

• Finworth, a division of InsBank

  4.35%

  Online Rate 12 Month CD - $50,000 Min. Early Withdrawal Penalty is 6 months interest.

• Navy Federal Credit Union	4.35%	Online Rate with branch - View 12 Month - $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

• Bank of Whittier, National Association

  4.34%

  Bank with nearby branch - View 12 Month Certificate of Deposit - $1,000 Min.

• Suma Federal Credit Union

  4.34%

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

• Inner Lakes Federal Credit Union

  4.33%

  Credit Union with nearby branch - View 12 Month - $500 Min.

• BMO Alto, a division of Bank of Montreal Harris	4.30%	Online Rate 1-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

  4.30%

  Credit Union with nearby branch - View 12 Month - $500 Min.

• The Summit Federal Credit Union

  4.30%

  Credit Union with nearby branch - View 12 Month - $500 Min.

• United Nations Federal Credit Union

  4.30%

  Credit Union with nearby branch - View 12 Month Standard - $500 Min.

• Gateway First Bank

  4.30%

  Online Rate with branch - View 12 MONTH - $500 Min.

• Union Bank and Trust Company

  4.30%

  Online Rate 12 MONTH - $1,000 Min.

• Seattle Bank

  4.30%

  Online Rate with branch - View 12 Month - $1,000 Min. Early Withdrawal Penalty is 180 days interest.

• Bread Savings, a division of Bread Financial	4.30%	Online Rate 1-Year CD - $1,500 Min. Early Withdrawal Penalty is 180 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

• National Cooperative Bank

  4.30%

  Online Rate 12 Month Impact Certificate of Deposit - $2,500 Min. Early Withdrawal Penalty is 3 months interest.

• Navy Federal Credit Union	4.30%	Online Rate with branch - View 12 Month - $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

• Corning Federal Credit Union

  4.30%

  Credit Union with nearby branch - View 12 Month Jumbo - $100,000 Min.

• Capital Communications Federal Credit Union

  4.27%

  Credit Union with nearby branch - View 12 Month iSave - $100 Min.

• Northfield Bank

  4.25%

  Online Rate 12 Month CD - $0 Min.

• Ridgewood Savings Bank

  4.25%

  Bank with nearby branch - View 12 MONTH - $100 Min.

• M.Y. Safra Bank

  4.25%

  Online Rate 12 Month Online CD - $500 Min. Early Withdrawal Penalty is 90 days interest.

• CFG Bank	4.25%	Online Rate 12-Month CD - $500 Min. Early Withdrawal Penalty is 180 days interest.
  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

• TrustCo Bank

  4.25%

  Bank with nearby branch - View 18-21 Months - $500 Min.

• Visions Federal Credit Union

  4.25%

  Credit Union with nearby branch - View 12-17 MONTH - $500 Min.