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 31–45 results in Erie County, NY · Showing Erie County, NY: too few institutions in Amherst, NY
- 0.55%APY$55 a year on $10,000
Requirements
Product: Dividends may be paid only from current income and accumulated earnings after required transfers to reserves. Early withdrawal penalty may apply.
Offer: Tier 1.
0.55% interest rate · Effective Apr 11, 2023
Rate checked
More details - Griffith Institute Employees Federal Credit UnionShare AccountsSavings · $100 min
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Regular savings accounts (share accounts). Requires purchasing a $5.00 share and paying a one-time fee of $1.00 for membership. $5.00 minimum balance required to keep the account open.
Offer: Minimum balance of $100.00 to earn interest/dividends. $5.00 minimum opening deposit. Dividends compounded daily and credited quarterly.
0.55% interest rate · Compounded daily
Rate checked
More details - Buffalo Conrail Federal Credit UnionAdditional Savings AccountSavings · $0 min
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership eligibility requirements apply.
Offer: Average daily balances of $200 or more are paid quarterly.
0.50% interest rate
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Membership eligibility requirements apply. Requires an initial deposit of $25.00.
Offer: Average daily balances of $200 or more are paid quarterly.
0.50% interest rate
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Initial share amount to open account is $10 ($5 to buy share in Credit Union, $5 to put in account). Minimum balance is $5.00. Average daily balance method used for dividend calculation.
Offer: To earn a dividend, minimum deposit and minimum balance is $300. Dividends calculated using average daily balance method.
0.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Town of Cheektowaga Federal Credit UnionShare AccountsSavings · $0 min · 0.40%–0.80% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Primary account for all members; must have a minimum balance of $20.00 to remain active. Represents share of ownership in the Credit Union. Calculation is based upon average quarterly balance (or average daily balance); dividends are disbursed/paid and compounded quarterly on the last day of the quarter.
Offer: Calculation is based upon the member's average quarterly balance. Dividends are disbursed and compounded on the last day of the quarter.
0.40% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Share Accounts Balance APY Up to $25,000Your amount 0.40% $25,000 – $100,000 0.60% $100,000 – $1,000,000 0.80% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Membership eligibility required. $5 minimum deposit plus a $5 membership fee/new account fee required to join and open account.
Offer: Minimum Balance of $1,000 required to earn dividends. Fees could reduce account dividend earnings.
0.35% interest rate · No monthly fee
Rate checked
More details - Northwest BankAffinity Premier Money MarketAffinity Premier Money Market · $25 min · 0.25%–0.85% by balance
Bank · 16 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Must have Affinity Premier Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Premier Checking account to qualify. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Premier Money Market Balance APY Up to $5,000 0.25% $5,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.35% $100,000 – $250,000 0.85% $250,000 – $5,000,000 0.85% $5,000,000 and up 0.85% Rate checked
More details - Meridia Community Credit UnionPrimary SavingsSavings · $5 min · 0.30%–4.06% by balance
Credit union · 3 branches
0.30%APY$30 a year on $10,000Requirements
Product: Establishes membership with a $5 minimum deposit. Limited to one Primary Share per primary social security number (applied to the oldest account). Paid dividends based on a split rate tier structure and quarterly average daily balance.
Offer: Split rate tier structure: Tier 1 rate applies on balance up to $1,000.
4.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $1,000 4.06% $1,000 and upYour amount 0.30% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Minimum balance is $5.00 for Regular Shares to establish membership.
Offer: Minimum Balance is $5.00 for Regular Shares. Balances $1 and greater earn dividends starting with the first dollar.
0.30% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Goal-based secondary savings account with no minimum deposit to open.
Offer: Balances $1 and greater earn dividends.
0.30% interest rate
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - Western Division Federal Credit UnionSub Savings AccountsSavings · $5 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Sub Savings include all the same benefits and rates as Regular Savings (with exception of debit card). Minimum $5 to open. Earn dividends on balances of $100 or greater. No monthly service charge.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Sub Savings Accounts Balance APY Up to $99 0.00% $100 – $5,000 0.25% $5,001 – $20,000Your amount 0.25% $20,001 – $50,000 0.25% $50,001 and up 0.25% Rate checked
More details - Western Division Federal Credit UnionSavings AccountSavings · $5 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Minimum $5 deposit to open. Earn Dividends on balances of $100 or greater. No monthly service charge. Dividends compounded daily and paid quarterly. Qualifies for a Patronage Dividend.
Offer: The dividend rate and APY may change monthly as determined by the Board of Directors.
0.00% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $99 0.00% $100 – $5,000 0.25% $5,001 – $20,000Your amount 0.25% $20,001 – $50,000 0.25% $50,001 and up 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000intro rate
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: Dividends compounded and credited monthly; account must remain open through month-end to receive dividends.
Promotional rate · Effective Oct 1, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
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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