Compare Bank & Credit Union Rates
Best savings rates in Amherst, 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 Erie County, NY · Showing Erie County, NY: too few institutions in Amherst, NY
- 4.40%APY$440 a year on $10,000with conditions
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.
Qualified rate
Rate checked
More details - 4.00%APY$400 a year on $10,000
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.
No monthly fee · Effective Mar 30, 2026
Rate checked
More details - 3.56%APY$356 a year on $10,000
Requirements
Product: Variable rate account; rates may change after account opening. Dividends are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends.
Offer: Applies to balances of $500 and above. Anticipated monthly dividends that may change based on market conditions.
Effective Oct 1, 2026
Rate checked
More details - MOOG Employees FCUPlatinum Money Market SharesPlatinum Money Market Shares · $10,000 min
Credit union · 1 branch
3.40%APY$340 a year on $10,000Requirements
Product: Funds on deposit in the Platinum Money Market account cannot be used as collateral for Share Secured Loans. Rates on variable rate accounts could change after account opening.
Offer: Minimum balance to open account is $10,000.00. Minimum balance of $10,000.00 required to earn dividends. Deposit not to exceed $500,000.00.
3.40% interest rate · Balance cap $500,000 · Effective Sep 30, 2026
Rate checked
More details - 3.10%APY$310 a year on $10,000with conditions
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 automatically applies during the Introductory Period (remainder of opening month plus following 3 months). Thereafter, requires meeting at least 1 of the qualification criteria monthly (e.g. $500+ debit card purchases/payments, $500+ credit card payments from linked Premier checking, $5,000+ qualifying direct deposits, holding a U.S. mortgage serviced by HSBC, or HSBC Premier Elite status).
Qualified rate
Rate checked
More details - Five Star BankHigh Yield Money Market AccountHigh Yield Money Market Account · $10,000 min · 0.10%–3.25% by balance
Bank · 6 branches
2.75%APY$275 a year on $10,000Requirements
Product: Applying online requires an initial deposit of at least $10,000 in new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days. For initial deposits less than $10,000, visit a local branch. Service charge of $10.00 per statement period does not apply when maintaining at least a $10,000 average ledger balance for the activity period.
Offer: Variable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance.
0.10% interest rate · $10 monthly fee
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY Up to $10,000 0.10% $10,000 – $100,000Your amount 2.75% $100,000 and up 3.25% Rate checked
More details - Buffalo Conrail Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.76%–2.77% by balance
Credit union · 1 branch
2.26%APY$226 a year on $10,000Requirements
Product: Open to Buffalo Conrail FCU members and eligible employees/associates and their immediate family/household. Features no monthly fees and no penalty for accessing funds.
1.75% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 1.76% $10,000 and upYour amount 2.26% $25,000 and up 2.77% Rate checked
More details - Ukrainian Federal Credit UnionMoney MarketMoney Market · $500 min · 0.10%–3.30% by balance
Credit union · 2 branches
2.02%APY$202 a year on $10,000Requirements
Product: No monthly maintenance fee. Minimum balance and minimum balance to earn dividends is $500. Limit of 3 withdrawals per month before a fee is imposed, with a minimum of $100 per withdrawal.
Offer: Minimum daily balance and balance to earn dividends is $500. Up to 3 withdrawals per month before a fee is imposed; minimum $100 per withdrawal.
0.10% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $2,500 0.10% $2,500 – $25,000Your amount 2.02% $25,000 – $100,000 2.53% $100,000 – $250,000 3.04% $250,000 – $1,000,000 3.30% Rate checked
More details - Kaleida Health Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.50%–2.50% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000Requirements
Product: Rates reflect what was paid last quarter.
1.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 1.50% $10,000 – $25,000Your amount 2.00% $25,000 and up 2.50% Rate checked
More details - Cornerstone Community Federal Credit UnionCommunity SavingsSavings · $1,000 min
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Offer: Minimum average daily balance of $1,000.00 to earn APY.
1.98% interest rate · Effective Jun 30, 2026
Rate checked
More details - Boulevard Federal Credit UnionMoney MarketMoney Market · $1,000 min · 1.65%–2.15% by balance
Credit union · 1 branch
1.65%APY$165 a year on $10,000Requirements
Product: Earn higher dividends on savings balances of $1,000 or more. Unlimited in person withdrawals with no penalty. Direct deposit available.
Offer: Tier 1 rate
Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $20,000Your amount 1.65% $20,000 – $75,000Tier 2 rate 1.90% $75,000 and upTier 3 rate 2.15% Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: Open to all Kenmore Town of Tonawanda Union Free School District employees and their immediate family members.
Offer: APYE is 1.52%. No monthly maintenance fee.
No monthly fee · Effective Dec 31, 2024
Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: Requires minimum deposit of $2,500.
Offer: Balance tier: $2,500.00 to $24,999.99
1.50% interest rate · Effective Jun 24, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.50% $25,000 and up 2.00% Rate checked
More details - CrossRoads Community Federal Credit UnionMoney Market Share Savings AccountMoney Market Share Savings Account · $2,500 min · 1.35%–1.55% by balance
Credit union · 1 branch
1.45%APY$145 a year on $10,000Requirements
Product: Dividends will be compounded and credited quarterly. Fees may reduce earnings, and rates may change after account is open.
Offer: Minimum average daily balance to earn APY is $2,500.
1.35% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Share Savings Account Balance APY $2,500 – $10,000 1.35% $10,000 – $50,000Your amount 1.45% $50,000 and up 1.55% Rate checked
More details - 1.25%APY$125 a year on $10,000with conditions
Requirements
Product: Linked to Advantage Plus Checking account. To earn qualifying tiered APY, must meet Advantage Plus Checking qualifications each monthly qualification cycle (enrolled in and log in to Online Banking, enrolled in e-Statements, at least 1 direct deposit or automatic ACH payment post and settle, and at least 12 signature-based debit card purchases post and settle). If qualifications are not met, all balances earn 0.05% APY. Limit one account per SSN.
Offer: Requires meeting monthly qualification cycle requirements on linked Advantage Plus Checking account.
Qualified rate · 1.24% interest rate · No monthly fee
Rate by balance
Rate by balance for Advantage Savings Balance APY Up to $25,000Your amount 1.25% Over $25,000 0.35% 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 Erie County, NY
99 accounts at 47 banks and credit unions · checked Oct 6–22
- Typical
- 0.20%
- Top 10% from
- 1.72%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.33%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches