Bank · FDIC insured
Wayne Bank Savings Rates
Wayne Bank’s best savings rate is 0.10% APY on $10,000, with its Money Market Deposit Account. Rates checked October 16, 2026.
How Wayne Bank’s savings rates compare
Compared with banks and credit unions near Monticello, NY, where Wayne Bank has the most branches. $10,000, best rate first.
This bank’s best
Wayne Bank
3.00%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
High Yield Money Market Deposit Account
2nd-highest rate
Cooperative Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $25
3rd-highest rate
Hudson Valley Credit Union
0.15%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $15
Wayne Bank savings score
78
Savings score
Higher than 46% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.40%
- QualifiedQualified3.00%
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.
Where Wayne 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.
High Yield Money Market Deposit Account
3.00%APY
Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account that includes two out of the three following criteria: a debit card, direct deposit, and/or a $25,000 balance at the time the High Yield MMDA account is opened. Only one High Yield MMDA account per customer.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Daily Balance: None – $25,000.00. Available to consumers maintaining a qualifying checking account (Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking) meeting 2 of 3 criteria (debit card, direct deposit, $25,000 balance). Limit one account per customer. $10 fee if daily balance is less than $2,500. | 3.00% | $300 | Daily Balance: None – $25,000.00. Available to consumers maintaining a qualifying checking account (Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking) meeting 2 of 3 criteria (debit card, direct deposit, $25,000 balance). Limit one account per customer. $10 fee if daily balance is less than $2,500. |
| Over $25,000Daily Balance: $25,000.01 and above. Available to consumers maintaining a qualifying checking account (Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking) meeting 2 of 3 criteria (debit card, direct deposit, $25,000 balance). Limit one account per customer. $10 fee if daily balance is less than $2,500. | 1.00% | — | Daily Balance: $25,000.01 and above. Available to consumers maintaining a qualifying checking account (Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking) meeting 2 of 3 criteria (debit card, direct deposit, $25,000 balance). Limit one account per customer. $10 fee if daily balance is less than $2,500. |
Sources (3)
- wayne.bank/personal/savings
- wayne.bank/personal/savings/money-market-deposit-account
- wayne.bank/your-bank/rates
All captured Oct 6, 2026
Premium Money Market Deposit Account
1.51%APY
Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at the time the Premium MMDA is opened.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMust maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at opening. Accounts with a daily balance of less than $2,500 are subject to a $10 monthly service fee.$2,500 and up | 1.51% | $151 | Must maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at opening. Accounts with a daily balance of less than $2,500 are subject to a $10 monthly service fee. |
Sources (3)
- wayne.bank/personal/savings
- wayne.bank/personal/savings/money-market-deposit-account
- wayne.bank/your-bank/rates
All captured Oct 6, 2026
Investor Account
0.10%APY
Minimum opening deposit is $25,000. Interest is earned on daily balances of $5,000 or more. Accounts with daily balances of less than $25,000 are subject to a $15 monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upFee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. | 0.10% | $10 | Fee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. |
| $25,000 and upFee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. | 0.25% | — | Fee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. |
| $50,000 and upFee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. | 0.30% | — | Fee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. |
| $100,000 and upFee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. | 0.40% | — | Fee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. |
| $250,000 and upFee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. | 0.50% | — | Fee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. |
| $500,000 and upFee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. | 0.60% | — | Fee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. |
| $1,000,000 and upFee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. | 1.00% | — | Fee assessed if daily balance is less than $25,000. Interest earned on daily balances of $5,000 or more. |
Sources (3)
All captured Oct 6, 2026
Money Market Deposit Account
0.10%APY
Accounts with a daily balance of less than $2,500 will be subject to a $10.00 monthly service fee (consumer and business MMDA).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upAccounts with a daily balance of less than $2,500 will be subject to a $10.00 monthly service fee.$2,500 and up | 0.10% | $10 | Accounts with a daily balance of less than $2,500 will be subject to a $10.00 monthly service fee. |
Sources (3)
- wayne.bank/personal/savings
- wayne.bank/personal/savings/money-market-deposit-account
- wayne.bank/your-bank/rates
All captured Oct 6, 2026
Statement Savings Account
0.05%APY
Designed to help save for longer-term goals with automatic transfers from Wayne Bank checking. Accounts with daily balances below $200 are subject to a $2.00 monthly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upInterest is earned on daily balances of $50 or more. Accounts with daily balances below $200 are subject to a $2.00 monthly service fee.$50 and up | 0.05% | $5 | Interest is earned on daily balances of $50 or more. Accounts with daily balances below $200 are subject to a $2.00 monthly service fee. |
Sources (3)
All captured Oct 6, 2026
Special-purpose accounts
Holiday Savings
0.05%APY
Save all year long for holiday expenses. Interest is earned on all balances, compounded daily, and credited annually with the total balance paid on October 15 (or the next business day if October 15 falls on a non-business day).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is earned on all balances, compounded daily, and credited annually, with the total balance paid on October 15 (or next business day if October 15 falls on a non-business day).Any balance | 0.05% | $5 | Interest is earned on all balances, compounded daily, and credited annually, with the total balance paid on October 15 (or next business day if October 15 falls on a non-business day). |
Sources (3)
All captured Oct 6, 2026
Vacation Savings
0.05%APY
Encourages regular deposits throughout the year. Interest is earned on all balances, compounded daily, and credited annually with the total balance paid on May 15 (or next business day if May 15 falls on a non-business day).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is compounded daily and credited annually, with the total balance paid on May 15 (or the next business day if May 15 falls on a non-business day).Any balance | 0.05% | $5 | Interest is compounded daily and credited annually, with the total balance paid on May 15 (or the next business day if May 15 falls on a non-business day). |
Sources (3)
All captured Oct 6, 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.