Best Banks & Credit Unions in New York City, New York

Banks and credit unions serving New York City, New York. Compare up to 3.70% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of New York City, New York. All rankings inherit from the New York state directory — every institution listed is licensed to serve New York City residents and is either headquartered in New York or operates branches in the metro.

Top options in New York City

• Jovia Financial Credit Union — 4.55% APY. New York credit union offering competitive short-term CD pricing.
• Broadview Federal Credit Union — 4.00% APY. 12 Month Certificate: $500 minimum to open and obtain APY; accurate as of 9/6/2026; read on broadviewfcu.com/rates/?r=Certificates. Read Sep 7, 2026 on broadviewfcu.com. Rates as of 2026-09-06 per the page.
• M&T Bank — 3.85% APY. 18-Month M&T Select CD: No 12-month CD is featured; the 18-month Select CD is the only term on the page; $1,000 minimum to open; $1.00 minimum balance to obtain APY; APY accurate as of 07/30/2026 per the page. Read Sep 7, 2026 on mtb.com. Rates as of 2026-07-30 per the page.
• Teachers Federal Credit Union — 3.75% APY. Long Island-based credit union offering top-tier CD specials.
• Navy Federal Credit Union — 3.70% APY. 12-Month Certificate: $1,000 minimum; 3.75% APY at $100,000; the Special EasyStart Certificate pays 4.00% APY for 12 months at $50 as a special offer. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-06 per the page.
• Apple Bank — 3.70% APY. New York community bank with competitive savings rates and metro-area branch presence.

Banks with more than one branch in New York City

Each opens every one of that bank's offices in New York City, with the address of each and what it holds.

• JPMorgan Chase Bank, National Association in New York City — 43 branches
• Citibank, National Association in New York City — 27 branches

Other New York cities

• Banks in Buffalo
• Banks in Rochester
• Banks in Yonkers
• Banks in Syracuse
• Banks in Albany
• Banks in New Rochelle
• Banks in Mount Vernon
• Banks in Schenectady

See the full New York banks directory for every institution we've verified in the state, plus the underlying methodology.