The best CD yield from a national bank is The First National Bank of Litchfield with a 4.06% APY on a 12-month CD with a $1,000 minimum to earn the APY. The best local bank CD rate is Daniels-Sheridan ...
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Reasons to have a local bank
Community banks consistently outperform big banks in customer satisfaction, scoring 83 out of 100 compared to 79 for national banks in 2025. Local banks often offer better deposit rates and lower fees ...
Local banking leaders across Rochester and the Finger Lakes share cautious optimism for 2026, citing rate stability, growth opportunities and ongoing challenges.
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