Compare Bank & Credit Union Rates
Best savings rates in Albany, NY
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Albany, NY
- NextStep Federal Credit UnionKasasa SaverSavings · $20 min · 0.25%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 a year on $10,000with conditionsRequirements
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.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $25,000Your amount 4.00% $25,000 and upQualifications met in linked Kasasa Cash or Kasasa Cash Back account; 0.25% Rate checked
More details - 3.50%APY$350 a year on $10,000intro rate
Rate checked
More details - NY Bravest Federal Credit UnionGeneral Alarm High-Yield SavingsSavings · 1.01%–3.30% by balance
Credit union · 1 branch
3.30%APY$330 a year on $10,000intro rateRequirements
Product: Applies to 'New Money' only (funds not currently on deposit with NY Bravest FCU, deposited/transferred within 7 days of initial deposit). Maximum deposit allowed is $50,000. Online, recurring, and automatic transfers not available; transfers must be handled directly through credit union staff. Funds not used for overdraft/NSF protection. Dividends calculated using average daily balance method.
Offer: Applies to balances under $5,000.
Promotional rate · 1.00% interest rate
Rate by balance
Rate by balance for General Alarm High-Yield Savings Balance APY Any balance 1.01% $5,000 – $50,000Your amount 3.30% Rate checked
More details - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Requires having a Beacon Bank checking account with an ownership relationship. Variable premium interest rate. Fees may reduce earnings.
Offer: Variable premium interest rate subject to change without notice. Requires an ownership relationship on a Beacon Bank checking account.
Qualified rate · Effective Sep 18, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a linked Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees.
Offer: Base rate earned on entire daily balance when monthly qualifications on linked Kasasa checking account are not met.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $75,000Your amountTier 1 rate when linked to Kasasa Cash Checking and monthly qualifications are met. 3.00% Over $75,000 0.25% Over $150,000 0.25% Rate checked
More details - Broadview Federal Credit UnionMoney MarketMoney Market · $1 min · 0.10%–3.05% by balance
Credit union · 14 branches
1.00%APY$100 a year on $10,000Requirements
Product: Broadview membership is required. A $1 initial deposit is required to open an account. Rates are variable and may change after account is opened. Fees and other conditions may reduce earnings.
Offer: Rate is variable and may change after account is opened.
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 1.90% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.05% Rate checked
More details - Broadview Federal Credit UnionHigh Yield SavingsSavings · $0 min · 0.10%–3.05% by balance
Credit union · 14 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Features tiered rate structure: the more you save, the more you earn. Broadview membership required. Rate may be variable and subject to change.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 1.90% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.05% Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Requires a linked Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees.
Offer: Tier 1 rate when linked with Kasasa Cash Back checking and monthly qualifications are met.
Qualified rate · 0.75% interest rate · Balance cap $150,000 · No monthly fee
Rate checked
More details - Sunmark Credit UnionMoney Market AccountMoney Market Account · $500 min · 0.20%–1.25% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,0000.20% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $500 – $9,999 0.20% $10,000 – $24,999Your amount 0.50% $25,000 – $39,999 0.75% $40,000 – $99,999 1.00% $100,000 and up 1.25% Rate checked
More details - NextStep Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,000 min · 0.20%–0.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Maintaining an average monthly balance of $2,000 and limiting withdrawals to 6 or less a month. Interest will not be earned on balances that fall below the minimum $2,000.00. Maximum six (6) withdrawals or transfers per statement month.
0.20% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,000 – $10,000 0.20% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $150,000 0.40% $150,000 and up 0.50% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Dividends are paid on average daily balances of $50.00 or more, compounded quarterly.
0.00% interest rate · Compounded quarterly · Effective Sep 29, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $49 0.00% Up to $4,999 0.10% $5,000 and upYour amount 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Track progress for all goals. Create and track multiple accounts. Save for individual goals. Broadview membership required. Rate may be variable and subject to change.
0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Broadview membership is required. 24/7 access to all money, schedule transfers to build savings. Rate may be variable and subject to change after account opening.
0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Albany, NY
44 accounts at 17 banks and credit unions · checked Oct 3–22
- Typical
- 0.05%
- Top 10% from
- 2.40%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.10%
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Albany, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sunmark Credit UnionCredit union · 14 branches
- TCT FCUCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch