# M&T Bank CD rates

As of October 22, 2026, M&T Bank's best CD rate for ZIP 17402 (York, PA) is 4.25% APY on an 18-month relationship CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Rates vary by location — from 3.85% to 4.25% APY across the 15 ZIP codes we checked.

Canonical page: https://apyledger.com/cd-rates/m-and-t-bank
Institution: Manufacturers and Traders Trust Company (FDIC 588)
Aliases: M&T, M and T Bank
Status: live
Last verified: 2026-10-22T04:53:36.000Z (October 22, 2026)
Official source: https://www.mtb.com/personal/savings-and-cds/certificates-of-deposit
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.50% | ZIP 02109 (Boston, MA) | −0.90% | 2026-10-22T04:48:05.000Z | [Snapshot 92](https://apyledger.com/snapshots/92) |
| M&T Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 02109 (Boston, MA) | −1.40% | 2026-10-22T04:48:05.000Z | [Snapshot 92](https://apyledger.com/snapshots/92) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 02109 (Boston, MA) | −1.57% | 2026-10-22T04:48:05.000Z | [Snapshot 92](https://apyledger.com/snapshots/92) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.00% | ZIP 02109 (Boston, MA) | −0.72% | 2026-10-22T04:48:05.000Z | [Snapshot 92](https://apyledger.com/snapshots/92) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.50% | ZIP 03801 (Portsmouth, NH) | −0.90% | 2026-10-22T04:48:22.000Z | [Snapshot 93](https://apyledger.com/snapshots/93) |
| M&T Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 03801 (Portsmouth, NH) | −1.40% | 2026-10-22T04:48:22.000Z | [Snapshot 93](https://apyledger.com/snapshots/93) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 03801 (Portsmouth, NH) | −1.57% | 2026-10-22T04:48:22.000Z | [Snapshot 93](https://apyledger.com/snapshots/93) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.00% | ZIP 03801 (Portsmouth, NH) | −0.72% | 2026-10-22T04:48:22.000Z | [Snapshot 93](https://apyledger.com/snapshots/93) |
| M&T Select CD | relationship | 6 months | $1,000 | 3.35% | ZIP 04046 (Kennebunkport, ME) | −1.05% | 2026-10-22T04:48:44.000Z | [Snapshot 95](https://apyledger.com/snapshots/95) |
| M&T CD | standard | 6 months | $1,000 | 3.00% | ZIP 04046 (Kennebunkport, ME) | −1.40% | 2026-10-22T04:48:44.000Z | [Snapshot 95](https://apyledger.com/snapshots/95) |
| M&T Select CD | relationship | 12 months | $1,000 | 3.00% | ZIP 04046 (Kennebunkport, ME) | −1.57% | 2026-10-22T04:48:44.000Z | [Snapshot 95](https://apyledger.com/snapshots/95) |
| M&T Select CD | relationship | 18 months | $1,000 | 3.85% | ZIP 04046 (Kennebunkport, ME) | −0.87% | 2026-10-22T04:48:44.000Z | [Snapshot 95](https://apyledger.com/snapshots/95) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.50% | ZIP 05403 (South Burlington, VT) | −0.90% | 2026-10-22T04:48:33.000Z | [Snapshot 94](https://apyledger.com/snapshots/94) |
| M&T Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 05403 (South Burlington, VT) | −1.40% | 2026-10-22T04:48:33.000Z | [Snapshot 94](https://apyledger.com/snapshots/94) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 05403 (South Burlington, VT) | −1.57% | 2026-10-22T04:48:33.000Z | [Snapshot 94](https://apyledger.com/snapshots/94) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.00% | ZIP 05403 (South Burlington, VT) | −0.72% | 2026-10-22T04:48:33.000Z | [Snapshot 94](https://apyledger.com/snapshots/94) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.50% | ZIP 06905 (Stamford, CT) | −0.90% | 2026-10-22T04:50:11.000Z | [Snapshot 98](https://apyledger.com/snapshots/98) |
| M&T Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 06905 (Stamford, CT) | −1.40% | 2026-10-22T04:50:11.000Z | [Snapshot 98](https://apyledger.com/snapshots/98) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 06905 (Stamford, CT) | −1.57% | 2026-10-22T04:50:11.000Z | [Snapshot 98](https://apyledger.com/snapshots/98) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.00% | ZIP 06905 (Stamford, CT) | −0.72% | 2026-10-22T04:50:11.000Z | [Snapshot 98](https://apyledger.com/snapshots/98) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.60% | ZIP 07305 (Jersey City, NJ) | −0.80% | 2026-10-22T04:50:24.000Z | [Snapshot 99](https://apyledger.com/snapshots/99) |
| M&T Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 07305 (Jersey City, NJ) | −1.40% | 2026-10-22T04:50:24.000Z | [Snapshot 99](https://apyledger.com/snapshots/99) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 07305 (Jersey City, NJ) | −1.57% | 2026-10-22T04:50:24.000Z | [Snapshot 99](https://apyledger.com/snapshots/99) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.10% | ZIP 07305 (Jersey City, NJ) | −0.62% | 2026-10-22T04:50:24.000Z | [Snapshot 99](https://apyledger.com/snapshots/99) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.60% | ZIP 10001 (New York, NY) | −0.80% | 2026-10-22T04:49:41.000Z | [Snapshot 97](https://apyledger.com/snapshots/97) |
| Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 10001 (New York, NY) | −1.40% | 2026-10-22T04:49:41.000Z | [Snapshot 97](https://apyledger.com/snapshots/97) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 10001 (New York, NY) | −1.57% | 2026-10-22T04:49:41.000Z | [Snapshot 97](https://apyledger.com/snapshots/97) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.10% | ZIP 10001 (New York, NY) | −0.62% | 2026-10-22T04:49:41.000Z | [Snapshot 97](https://apyledger.com/snapshots/97) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.50% | ZIP 14203 (Buffalo, NY) | −0.90% | 2026-10-22T04:49:26.000Z | [Snapshot 96](https://apyledger.com/snapshots/96) |
| M&T Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 14203 (Buffalo, NY) | −1.40% | 2026-10-22T04:49:26.000Z | [Snapshot 96](https://apyledger.com/snapshots/96) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 14203 (Buffalo, NY) | −1.57% | 2026-10-22T04:49:26.000Z | [Snapshot 96](https://apyledger.com/snapshots/96) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.00% | ZIP 14203 (Buffalo, NY) | −0.72% | 2026-10-22T04:49:26.000Z | [Snapshot 96](https://apyledger.com/snapshots/96) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.75% | ZIP 17402 (York, PA) | −0.65% | 2026-10-22T04:51:33.000Z | [Snapshot 101](https://apyledger.com/snapshots/101) |
| Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 17402 (York, PA) | −1.40% | 2026-10-22T04:51:33.000Z | [Snapshot 101](https://apyledger.com/snapshots/101) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 17402 (York, PA) | −1.57% | 2026-10-22T04:51:33.000Z | [Snapshot 101](https://apyledger.com/snapshots/101) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.25% | ZIP 17402 (York, PA) | −0.47% | 2026-10-22T04:51:33.000Z | [Snapshot 101](https://apyledger.com/snapshots/101) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.50% | ZIP 19801 (Wilmington, DE) | −0.90% | 2026-10-22T04:52:06.000Z | [Snapshot 102](https://apyledger.com/snapshots/102) |
| Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 19801 (Wilmington, DE) | −1.40% | 2026-10-22T04:52:06.000Z | [Snapshot 102](https://apyledger.com/snapshots/102) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 19801 (Wilmington, DE) | −1.57% | 2026-10-22T04:52:06.000Z | [Snapshot 102](https://apyledger.com/snapshots/102) |
| M&T Select Certificate of Deposit | promotional | 18 months | $1,000 | 4.00% | ZIP 19801 (Wilmington, DE) | −0.72% | 2026-10-22T04:52:06.000Z | [Snapshot 102](https://apyledger.com/snapshots/102) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.75% | ZIP 20020 (Washington, DC) | −0.65% | 2026-10-22T04:52:25.000Z | [Snapshot 103](https://apyledger.com/snapshots/103) |
| Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 20020 (Washington, DC) | −1.40% | 2026-10-22T04:52:25.000Z | [Snapshot 103](https://apyledger.com/snapshots/103) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 20020 (Washington, DC) | −1.57% | 2026-10-22T04:52:25.000Z | [Snapshot 103](https://apyledger.com/snapshots/103) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.25% | ZIP 20020 (Washington, DC) | −0.47% | 2026-10-22T04:52:25.000Z | [Snapshot 103](https://apyledger.com/snapshots/103) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.50% | ZIP 21230 (Baltimore, MD) | −0.90% | 2026-10-22T04:51:03.000Z | [Snapshot 100](https://apyledger.com/snapshots/100) |
| Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 21230 (Baltimore, MD) | −1.40% | 2026-10-22T04:51:03.000Z | [Snapshot 100](https://apyledger.com/snapshots/100) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 21230 (Baltimore, MD) | −1.57% | 2026-10-22T04:51:03.000Z | [Snapshot 100](https://apyledger.com/snapshots/100) |
| M&T Select Certificate of Deposit | promotional | 18 months | $1,000 | 4.00% | ZIP 21230 (Baltimore, MD) | −0.72% | 2026-10-22T04:51:03.000Z | [Snapshot 100](https://apyledger.com/snapshots/100) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.75% | ZIP 22031 (Fairfax, VA) | −0.65% | 2026-10-22T04:52:57.000Z | [Snapshot 104](https://apyledger.com/snapshots/104) |
| Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 22031 (Fairfax, VA) | −1.40% | 2026-10-22T04:52:57.000Z | [Snapshot 104](https://apyledger.com/snapshots/104) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 22031 (Fairfax, VA) | −1.57% | 2026-10-22T04:52:57.000Z | [Snapshot 104](https://apyledger.com/snapshots/104) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.25% | ZIP 22031 (Fairfax, VA) | −0.47% | 2026-10-22T04:52:57.000Z | [Snapshot 104](https://apyledger.com/snapshots/104) |
| M&T Select Certificate of Deposit | relationship | 6 months | $1,000 | 3.75% | ZIP 26719 (Fort Ashby, WV) | −0.65% | 2026-10-22T04:53:17.000Z | [Snapshot 105](https://apyledger.com/snapshots/105) |
| Certificate of Deposit | standard | 6 months | $1,000 | 3.00% | ZIP 26719 (Fort Ashby, WV) | −1.40% | 2026-10-22T04:53:17.000Z | [Snapshot 105](https://apyledger.com/snapshots/105) |
| M&T Select Certificate of Deposit | relationship | 12 months | $1,000 | 3.00% | ZIP 26719 (Fort Ashby, WV) | −1.57% | 2026-10-22T04:53:17.000Z | [Snapshot 105](https://apyledger.com/snapshots/105) |
| M&T Select Certificate of Deposit | relationship | 18 months | $1,000 | 4.25% | ZIP 26719 (Fort Ashby, WV) | −0.47% | 2026-10-22T04:53:17.000Z | [Snapshot 105](https://apyledger.com/snapshots/105) |
| M&T Select CD | relationship | 6 months | $1,000 | 3.35% | ZIP 33408 (North Palm Beach, FL) | −1.05% | 2026-10-22T04:53:36.000Z | [Snapshot 106](https://apyledger.com/snapshots/106) |
| M&T CD | standard | 6 months | $1,000 | 3.00% | ZIP 33408 (North Palm Beach, FL) | −1.40% | 2026-10-22T04:53:36.000Z | [Snapshot 106](https://apyledger.com/snapshots/106) |
| M&T Select CD | relationship | 12 months | $1,000 | 3.00% | ZIP 33408 (North Palm Beach, FL) | −1.57% | 2026-10-22T04:53:36.000Z | [Snapshot 106](https://apyledger.com/snapshots/106) |
| M&T Select CD | relationship | 18 months | $1,000 | 3.85% | ZIP 33408 (North Palm Beach, FL) | −0.87% | 2026-10-22T04:53:36.000Z | [Snapshot 106](https://apyledger.com/snapshots/106) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.