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 16–30 results in Albany, NY
- Advantage Financial Federal Credit UnionHigh Yield Money MarketHigh Yield Money Market · $1 min · 0.00%–0.20% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Tiered rates on balances of $2,500 or more. Earnings compounded monthly. Unlimited in-person withdrawals or by mail; 6 preauthorized electronic withdrawals per month. Paper statements subject to a $1.00 fee; avoid by opting into e-statements. Dividends calculated based on average daily balance. Dividend rates are variable.
0.00% interest rate · Compounded monthly · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $2,500 0.00% $2,500 – $75,000Your amount 0.10% $75,000 – $175,000 0.15% $175,000 and up 0.20% Rate checked
More details - First New York Federal Credit UnionPrimary Share Savings AccountSavings · $1 min
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Minimum balance of $1 on Primary Share Savings only. Unlimited deposits and withdrawals. Monthly e-statements. Free access to My First New York online banking and mobile app. Access all First New York member products and services. Dividends compounded monthly. Rates set monthly. Fees may reduce earnings.
Offer: Minimum balance of $1 on Primary Share Savings. Dividends compounded monthly. Rates set monthly. Fees may reduce earnings.
0.10% interest rate · Compounded monthly · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No minimum balance. No monthly service fees. Unlimited deposits and withdrawals. Monthly e-statements. Free access to First New York online banking and mobile app. Dividends compounded monthly. Rates set monthly. Fees may reduce earnings.
Offer: No minimum balance. Dividends compounded monthly. Rates set monthly. Fees may reduce earnings.
0.10% interest rate · Compounded monthly · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - First New York Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.10%–0.20% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Dividends are compounded monthly. No minimum to open. $2,500 minimum balance must be maintained to earn dividends. Rates subject to change. Fees may reduce earnings on this account.
Offer: Dividends are compounded monthly. $2,500 minimum balance must be maintained to earn dividends.
0.10% interest rate · Compounded monthly · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 and up 0.20% Rate checked
More details - 0.05%APY$5 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 checked
More details - Advantage Financial Federal Credit UnionShare SavingsSavings · $5 min · 0.00%–0.05% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Your share of ownership in Advantage Financial. Must meet membership eligibility requirements. $5 minimum balance required for membership. Dividends calculated based on average daily balance and compounded monthly.
Offer: Min. Daily Avg. Balance Less than $100.00. No monthly service charges.
0.00% interest rate · Compounded monthly · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $100 0.00% Over $100Your amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
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: Earned when qualifications in linked Kasasa Cash or Kasasa Cash Back account are not met.
Qualified rate · No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Standard share savings account. Minimum balance of $5.00 required.
No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Starter savings account.
Offer: Minimum balance to earn dividend is $0.01.
0.05% interest rate
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Also referred to as Personal Statement Savings. Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $25 or more quarterly, or monthly if set up with a portfolio statement.
Offer: Tier 1: Average daily balance $25 +. Accounts opened online.
0.03% interest rate · No monthly fee · Effective Dec 11, 2025
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $100 or more quarterly, or monthly through a portfolio statement.
Offer: Tier 1: Average daily balance $100 < $2,500 ($100 - $2,499.99). Accounts opened online.
0.03% interest rate · No monthly fee · Effective Dec 11, 2025
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 2 branches
0.03%APY$3 a year on $10,000Requirements
Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
Offer: Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Citizens Private Client® Money Market Balance APY Up to $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $49,999 3.50% $50,000 – $99,999 3.50% $100,000 – $249,999 3.50% $250,000 – $499,999 3.50% $500,000 – $999,999 3.50% $1,000,000 – $2,999,999 3.50% $3,000,000 and up 3.50% Rate checked
More details - PioneerPinnacle Money MarketPinnacle Money Market · $1,000 min · 0.03%–0.10% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Minimum opening balance of $1,000. All rates are variable and may change after account is opened. Fees may reduce earnings.
Offer: Tier I
Effective Nov 25, 2025
Rate by balance
Rate by balance for Pinnacle Money Market Balance APY Up to $2,500 0.03% $2,500 – $10,000Tier II 0.03% $10,000 – $25,000Your amountTier III 0.03% $25,000 – $50,000Tier IV 0.05% $50,000 – $100,000Tier V 0.05% $100,000 – $500,000Tier VI 0.05% $500,000 – $1,000,000Tier VII 0.05% $1,000,000 and upTier VIII 0.10% 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