Best savings rates in New York

Requirements

Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.

Offer: Includes base rate (3.50% APY) plus +0.50% APY for opening a Woori America Bank Checking Account with monthly ACH deposits of at least $100, +0.50% APY for paperless eStatements, and +0.50% APY for opening a Woori America Bank Credit Card and linking checking account for payments (subject to credit approval).

Requirements

Product: Available to Debit Rewards Checking and Pinnacle account holders only. When paired with Debit Rewards Checking or Pinnacle Plu$ Checking and respective monthly checking requirements are met (12 debit card transactions, $250 direct deposit/deposit, and eStatements enrollment), balances up to $10,000 earn 5.00% APY. If monthly requirements are not met or on balances of $10,000.01 and above, the entire balance earns the current Regular Share APY (0.03%). Dividends are compounded daily and credited monthly.

Offer: Earns 5.00% APY on balances up to $10,000 when linked checking account monthly qualifications (12 debit transactions, $250 deposit/direct deposit, and eStatements) are met. Minimum $25 to earn dividend. No monthly fee.

Requirements

Product: Must maintain an open/eligible U.S. HSBC Premier checking account linked to the savings account. Not available to business customers.

Offer: Relationship APY when eligibility requirements are met.

Requirements

Product: Account must be funded within 90 days of opening to remain open. Enhanced FDIC coverage available up to $500,000 for individual accounts ($1M for joint).

Offer: Limited-time promotional boosted rate fixed for 6 months for new accounts opened between September 22, 2026 and January 10, 2027. Max balance eligible is $10,000,000; after 6 months rate reverts to standard APY.

Requirements

Product: Available exclusively online and by phone; not available to open through financial centers. Variable rate account, APY may change without notice.

Offer: APY is for new accounts only and may not apply to existing accounts. Variable rate. Fees may reduce earnings. Interest compounded daily.

Requirements

Product: Earn high-interest dividends. Access to your money in the XCEL Digital Banking App. No monthly fees. Minimum opening deposit of $1,000 required. Federally insured up to $250,000 by the NCUA.

Offer: Intro Rate - First 60 Days. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.

Requirements

Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.

Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.

Requirements

Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.

Offer: Qualifying rate requires direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.

Requirements

Product: Variable rate savings account. No minimum balance to open or maintain. $10 monthly fee if receiving paper statements; no monthly fee when enrolled in eStatements.

Offer: Tier 1 balance rate. $10 monthly fee if receiving paper statements; waived with eStatements.

Requirements

Product: Available in Ohio / eligible markets only. For new accounts. Product and feature availability may vary by location.

Offer: For new accounts. Available in eligible markets (Ohio only). Rate subject to change after account opening. Fees may reduce earnings.

Requirements

Product: Dividends compound monthly. Minimum balance of $0.01 to earn dividends. Limited to one per member and will only apply for new money to the credit union. Money withdrawn and re-deposited from UFirst will not be eligible. Up to 3 withdrawals a month; no minimum balance required.

Offer: Dividends compound monthly. Limited to one per member and applies only for new money to the credit union.

Requirements

Product: Links to Kasasa Cash or Kasasa Cash Back checking account. Requires meeting checking qualifications each monthly qualification cycle (at least 12 debit card purchases, online banking login, and e-statements) to earn higher APY; otherwise earns 0.05% APY.

Offer: Qualifications met in linked Kasasa Cash or Kasasa Cash Back account.

Requirements

Product: Exclusive online. Must be 18 years or older, U.S. citizen or resident with SSN. Minimum average daily balance of $5,000 to waive $6 monthly service charge. If minimum daily balance falls below $5,000, rate adjusts to Carver Savings. Interest compounded daily, credited monthly.

Offer: Exclusive online. Rate adjusts to Carver Savings if minimum daily balance falls below $5,000. $6 monthly fee waived with average daily balance of $5,000.

Requirements

Product: Minimum opening deposit $100. No maintenance fee. Interest is compounded daily and credited monthly. Rates accurate as of October 5, 2026.

Offer: Tiered balance applies. Maintain stated daily balance to obtain disclosed APY.

Requirements

Product: Tiered interest rate account. Rate is variable and subject to change after account opening. Dividends paid monthly. Limit one account per SSN. Membership eligibility required.

Offer: Applies to balances that fall below the $2,500.00 minimum during a statement cycle.