Compare Bank & Credit Union Rates
Best savings rates in Buffalo, 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 Buffalo, NY
- 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 - Five Star BankHigh Yield Money Market AccountHigh Yield Money Market Account · $10,000 min · 0.10%–3.25% by balance
Bank · 3 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 - Ukrainian Federal Credit UnionMoney MarketMoney Market · $500 min · 0.10%–3.30% by balance
Credit union · 1 branch
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 · 2 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 - The Summit Federal Credit UnionMoney MarketMoney Market · $1,500 min · 1.10%–1.60% by balance
Credit union · 1 branch
1.20%APY$120 a year on $10,000Requirements
Product: Must be a member of The Summit Federal Credit Union ($5.00 par value share in Primary Savings required for membership). Average daily balance of at least $1,500 required to earn dividends. A monthly Account Maintenance Fee of $5.95 applies to the member's account unless exempt (e.g., monthly Combined Balance is $2,500 or greater, age 22 and younger, age 65 and older, accounts open less than 3 months, 10 or more monthly debit card POS transactions posted during the month, non-profit organizations, or checking with at least one direct deposit received per quarter).
Offer: Tiered rate applied to full balance based on average daily balance.
1.09% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $10,000 1.10% $10,000 – $25,000Your amount 1.20% $25,000 – $50,000 1.30% $50,000 and up 1.60% Rate checked
More details - ONE Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.26% by balance
Credit union · 1 branch
1.01%APY$101 a year on $10,000Requirements
Product: Minimum balance of $2,500.00 to earn dividends and avoid monthly fee. Up to 5 withdrawals permitted per month; $10.00 fee applies for each withdrawal in excess of 5 per month. $10.00 per month fee if balance falls below $2,500.00.
Offer: $10.00 fee per month applies when balance is below the $2,500.00 minimum balance requirement. Up to 5 withdrawals per month ($10.00 each for excess withdrawals).
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00%* $2,500 – $20,000Your amount 1.01%* $20,000 – $75,000$10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. 1.11%* $75,000 and up$10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. 1.26%* Rate checked
More details - Broadview Federal Credit UnionMoney MarketMoney Market · $1 min · 0.10%–3.05% by balance
Credit union · 1 branch
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 · 1 branch
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 - Great Erie Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.95%–1.05% by balance
Credit union · 1 branch
0.95%APY$95 a year on $10,000Requirements
Product: Transfers and withdrawals are subject to Regulation D. Dividends are earned on the average daily balance and paid monthly.
0.95% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.95% $25,000 – $50,000 1.00% $50,000 and up 1.05% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: A minimum balance of $2,500 is required to earn dividends. Dividends are calculated on average daily balances of $2,500.00 or more and declared monthly based on available earnings. A maximum of 3 withdrawals are allowed per month; each additional withdrawal incurs a $10.00 fee. A $10.00 fee is assessed to balances that fall below $2,500.00.
Offer: Rates are variable and declared monthly based on available earnings. Applies to average daily balances greater than $2,500.00.
0.75% interest rate · Effective Jun 5, 2026
Rate checked
More details - BufMet Credit UnionMoney Market Accounts (MMAs)Money Market Accounts (MMAs) · $2,500 min · 0.50%–1.00% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Dividends are paid quarterly, compounded daily, on accounts with an average daily balance of $2,500.00 or more.
Offer: Dividends are paid quarterly, compounded daily, on accounts with an average daily balance of $2,500.00 or more.
0.50% interest rate · Compounded daily · Effective Jun 1, 2026
Rate by balance
Rate by balance for Money Market Accounts (MMAs) Balance APY $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $1,000,000 1.00% Rate checked
More details - Northwest BankAffinity Premier Money MarketAffinity Premier Money Market · $25 min · 0.25%–0.85% by balance
Bank · 4 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes membership at BufMet Credit Union and is required for any other credit union product.
Offer: Dividends paid quarterly on accounts with an average daily balance of $1,000.00 or more.
0.25% interest rate · Effective Jun 1, 2026
Rate checked
More details - Northwest BankAffinity Plus Money MarketAffinity Plus Money Market · $25 min · 0.10%–0.30% by balance
Bank · 4 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Must have Affinity Plus Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Plus Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Plus 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 Plus Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Plus Money Market Balance APY Up to $5,000 0.10% $5,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 – $5,000,000 0.30% $5,000,000 and up 0.30% Rate checked
More details - Great Erie Federal Credit UnionSavings AccountSavings · $5 min · 0.00%–0.15% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Minimum opening deposit of $5 to become a member. Dividends are earned on the average daily balance and paid monthly. Rates quoted are anticipated to be paid on October 31, 2026. Dividend rate and APY are subject to change monthly without notice.
0.00% interest rate
Rate by balance
Rate by balance for Savings Account Balance APY Up to $25 0.00% Up to $1,000 0.15% $1,000 – $10,000 0.15% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.15% Over $50,000 0.15% 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 Buffalo, NY
43 accounts at 19 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.16%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.15%
Is your bank paying you enough?
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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