Solvay Bank High-Yield Savings & Money Market Rates

How Solvay Bank’s savings rates compare

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

This bank’s best
Solvay Bank
0.25%APY
Minimum
$15
Earns on $10,000 a year
$25
Money Market Account
Top rate
Canandaigua National Bank
3.15%APY
Minimum
$0
Earns on $10,000 a year
$315
Canandaigua National Bank rates
2nd-highest rate
Ukrainian Federal Credit Union
2.02%APY
Minimum
—
Earns on $10,000 a year
$202
Ukrainian Federal Credit Union rates

Compare savings rates near you →

Savings score

Higher than 58% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0000.25%
$100,000 balance$100,0000.65%
QualifiedQualified3.25%

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 Solvay 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.

Horizon High-Yield Savings Account

3.25%APY on $10,000Requirements apply$15 to open

Requires a companion Solvay Bank High Interest Checking Account with the same tax ID meeting qualifications each statement cycle. Tiered rate structure where the stated rate applies only to the portion of the balance within the tier. If qualifications are not maintained for 3 consecutive months, the account may be converted to Statement Savings within 45 days. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance. A $25 fee charged if closed within 6 months of the open date. Limit one Horizon High Yield Savings account per tax ID, personal accounts only. Fees may reduce earnings. The rate may change after account opening. APY is accurate as of 01/22/2026.

Part of the balance	Rate on that part
Up to $25,000	3.20%
$25,000 – $50,000	3.20%
Over $50,000	0.10%

On $10,000 the tiers blend to about 3.25% APY, earning $325 a year.

Sources (2)

All captured Oct 16, 2026

Money Market Advantage

0.30%APYRequirements apply$25,000 to open

A Solvay Bank Checking Account with direct deposit is required to open and maintain account. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance. 15¢ per transaction when minimum balance is not met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Minimum daily balance to obtain APY is $0.01. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.	0.20%	—	Minimum daily balance to obtain APY is $0.01. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.
$10,000 – $25,000Minimum daily balance to obtain APY is $10,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.	0.30%	$30	Minimum daily balance to obtain APY is $10,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.
$25,000 – $50,000Minimum daily balance to obtain APY is $25,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.	0.50%	—	Minimum daily balance to obtain APY is $25,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.
$50,000 – $100,000Minimum daily balance to obtain APY is $50,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.	0.60%	—	Minimum daily balance to obtain APY is $50,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.
$100,000 – $250,000Minimum daily balance to obtain APY is $100,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.	0.85%	—	Minimum daily balance to obtain APY is $100,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.
$250,000 and upMinimum daily balance to obtain APY is $250,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.	1.00%	—	Minimum daily balance to obtain APY is $250,000. Requires a Solvay Bank Checking Account with direct deposit. Avoid the $15 monthly service fee by maintaining a $25,000 minimum average daily balance.

Sources (2)

All captured Sep 17, 2026

Money Market Account

0.25%APY$15 to open

Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance. 15¢ per transaction when minimum balance is not met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Minimum daily balance to obtain APY is $0.01. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.	0.15%	—	Minimum daily balance to obtain APY is $0.01. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.
$10,000 – $25,000Minimum daily balance to obtain APY is $10,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.	0.25%	$25	Minimum daily balance to obtain APY is $10,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.
$25,000 – $50,000Minimum daily balance to obtain APY is $25,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.	0.35%	—	Minimum daily balance to obtain APY is $25,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.
$50,000 – $100,000Minimum daily balance to obtain APY is $50,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.	0.45%	—	Minimum daily balance to obtain APY is $50,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.
$100,000 – $250,000Minimum daily balance to obtain APY is $100,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.	0.65%	—	Minimum daily balance to obtain APY is $100,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.
$250,000 and upMinimum daily balance to obtain APY is $250,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.	0.75%	—	Minimum daily balance to obtain APY is $250,000. Avoid the $5 monthly service fee by maintaining a $2,500 minimum average daily balance.

Sources (2)

All captured Sep 17, 2026

Special-purpose accounts

Statement Savings

0.10%APYAge limits$1 to open

Avoid the $4 monthly maintenance fee by maintaining a $400 minimum average balance, signing up for free eStatements, or being under the age of 18 with an authorized account custodian.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Minimum daily balance to obtain APY is $0.01.Over $0	0.10%	$10	Minimum daily balance to obtain APY is $0.01.

Sources (3)

All captured Oct 16, 2026

Health Savings Accounts (HSAs)

0.03%APYHSA$50 to open

Must have a high-deductible health plan (HDHP) to open. Individual and family HSAs available. Avoid the $1.75 monthly maintenance fee by maintaining a $2,500 minimum average daily balance. One-time account setup fee of $20.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,000Minimum daily balance to obtain APY is $0.01.	0.03%	—	Minimum daily balance to obtain APY is $0.01.
$2,000 – $10,000Minimum daily balance to obtain APY is $2,000.	0.03%	—	Minimum daily balance to obtain APY is $2,000.
$10,000 and upMinimum daily balance to obtain APY is $10,000.	0.03%	$3	Minimum daily balance to obtain APY is $10,000.

Sources (3)

All captured Oct 16, 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

← Solvay Bank overview

How Solvay Bank’s savings rates compare

Solvay Bank savings score

Current savings rates

Horizon High-Yield Savings Account

Money Market Advantage

Money Market Account

Special-purpose accounts

Statement Savings

Health Savings Accounts (HSAs)

Opening an account