Rhinebeck Bank Savings & Money Market Rates

How Rhinebeck Bank’s savings rates compare

Compared with banks and credit unions near Kiryas Joel, NY, where Rhinebeck Bank has the most branches. $10,000, best rate first.

This bank’s best
Rhinebeck Bank
2.00%APY
Requires
Monthly account activity
Minimum
$25
Earns on $10,000 a year
$200
Premier Savings
Top rate
Beacon Bank
3.20%APY
Requires
Another account
Minimum
$250
Earns on $10,000 a year
$320
Beacon Bank rates
2nd-highest rate
International Bank of Chicago
3.20%APY
Requires
None
Minimum
$2,500
Earns on $10,000 a year
$320
International Bank of Chicago rates

Compare savings rates near you →

Savings score

Higher than 59% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.15%
$10,000 balance$10,0000.50%
$100,000 balance$100,0001.00%
QualifiedQualified2.00%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Rhinebeck Bank ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

Money Market Account

0.50%APY$1,000 to open

Available only to New York State residents. $20 monthly maintenance fee is waived when maintaining a $10,000 minimum account balance as of the end of each business day in the statement cycle. Limited to six transfers or withdrawals per statement cycle.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $100,000$20 monthly fee waived with a $10,000 minimum daily account balance.	0.50%	$50	$20 monthly fee waived with a $10,000 minimum daily account balance.
$100,000 – $500,000$20 monthly fee waived with a $10,000 minimum daily account balance.	1.00%	—	$20 monthly fee waived with a $10,000 minimum daily account balance.
$500,000 – $1,000,000$20 monthly fee waived with a $10,000 minimum daily account balance.	1.00%	—	$20 monthly fee waived with a $10,000 minimum daily account balance.
$1,000,000 – $2,000,000$20 monthly fee waived with a $10,000 minimum daily account balance.	1.16%	—	$20 monthly fee waived with a $10,000 minimum daily account balance.
$2,000,000 – $5,000,000$20 monthly fee waived with a $10,000 minimum daily account balance.	1.51%	—	$20 monthly fee waived with a $10,000 minimum daily account balance.
$5,000,000 – $10,000,000$20 monthly fee waived with a $10,000 minimum daily account balance.	1.76%	—	$20 monthly fee waived with a $10,000 minimum daily account balance.
$10,000,000 and up$20 monthly fee waived with a $10,000 minimum daily account balance.	2.00%	—	$20 monthly fee waived with a $10,000 minimum daily account balance.

Sources (1)

rhinebeckbank.com/personal/savings/money-market · captured Sep 17, 2026

Premier Savings

Up to 2.00%APYRequirements apply$25 to open

Requires a linked High Interest Checking or Cash Back Checking account. Limit one Premier Savings account per linked checking account. No monthly maintenance fee. Available to consumers residing in New York State.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceBase rate applied to all account balances when monthly qualifying criteria on linked High Interest Checking or Cash Back Checking account are not met.	0.05%	$5	Base rate applied to all account balances when monthly qualifying criteria on linked High Interest Checking or Cash Back Checking account are not met.
Up to $100,000Earns 2.00% APY when linked High Interest Checking or Cash Back Checking qualifications are met (at least 15 debit card transactions of $1+, at least 1 direct deposit or ACH payment, and eStatement enrollment per Monthly Qualification Cycle).	2.00%	$200	Earns 2.00% APY when linked High Interest Checking or Cash Back Checking qualifications are met (at least 15 debit card transactions of $1+, at least 1 direct deposit or ACH payment, and eStatement enrollment per Monthly Qualification Cycle).
Over $100,000When monthly qualifications on linked High Interest Checking or Cash Back Checking are met; interest rate of 0.50% applies to daily balance portion over $100,000, resulting in an APY range from 2.00% to 1.25% based on an assumed balance of $200,000.	0.50%	—	When monthly qualifications on linked High Interest Checking or Cash Back Checking are met; interest rate of 0.50% applies to daily balance portion over $100,000, resulting in an APY range from 2.00% to 1.25% based on an assumed balance of $200,000.

Sources (3)

All captured Sep 17, 2026

Classic Savings

0.20%APY$25 to open

$4 monthly fee is waived when you maintain a $300 minimum account balance as of the end of each business day in the statement cycle OR when you have at least one (1) Savings Made Simple credit per statement cycle. Available to New York State residents.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.	0.15%	—	$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.
$10,000 – $50,000$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.	0.20%	$20	$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.
$50,000 – $100,000$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.	0.25%	—	$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.
$100,000 – $250,000$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.	0.30%	—	$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.
$250,000 and up$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.	0.35%	—	$4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.

Sources (3)

All captured Sep 17, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details

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