Compare Bank & Credit Union Rates
Best savings rates in Newburgh, 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 Orange County, NY · Showing Orange County, NY: too few institutions in Newburgh, NY
- International Bank of ChicagoMoney Market AccountMoney Market Account · $2,500 min · 2.20%–4.00% by balance
Bank · 1 branch
3.20%APY$320 a year on $10,000intro rateRequirements
Product: Opening balance $2,500. Monthly maintenance fee $15, waived with $2,500 minimum balance.
Offer: Monthly maintenance fee $15 waived with $2,500 minimum balance. Interest credited monthly.
Promotional rate · 2.18% interest rate · $15 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 2.20% $10,000 – $99,999Your amountPromotional rate for customers opening new accounts at branches in Illinois. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 3.20% $100,000 – $249,999Promotional rate for customers opening new accounts at branches in Illinois. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 3.70% $250,000 and upPromotional rate for customers opening new accounts at branches in Illinois. Rate guaranteed through 06/30/2027. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 4.00% Rate checked
More details - 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: Available nationwide. Open your account with a deposit of $2,500 or more. Variable rate account. Rate matching available for advertised annual percentage yield (APY) and product of FDIC-insured competitor with retail locations in NY, NJ, and/or Palm Beach County, FL up to 90 days, up to a maximum of 4.50% APY.
Offer: Tier I. Variable rate account.
Promotional rate · 0.00% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Connection Plus Savings Balance APY Up to $2,500 0.00% $2,500 – $250,000Your amountTier II. 3.00% $250,000 and upTier III. 3.10% Rate checked
More details - International Bank of ChicagoMoney Market AccountMoney Market Account · $10,000 min · 2.95%–3.75% by balance
Bank · 1 branch
2.95%APY$295 a year on $10,000intro rateRequirements
Product: Opening balance $2,500. Monthly maintenance fee $15, waived with $2,500 minimum balance.
Offer: Monthly maintenance fee $15 waived with $2,500 minimum balance. Interest credited monthly.
Promotional rate · 2.91% interest rate · $15 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $10,000 – $100,000Your amount 2.95% $100,000 – $250,000 3.45% $250,000 and up 3.75% Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - O&R Utilities Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min · 2.00%–2.50% by balance
Credit union · 1 branch
2.25%APY$225 a year on $10,000Requirements
Product: Members must maintain a minimum daily balance of $2,500.00. Limit of six (6) withdrawals per month. No limits on deposits to this account. Dividends are calculated and compounded monthly. Free personalized checks. Tiered dividend rate structure.
2.00% interest rate · Compounded monthly · Effective Dec 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 2.00% $10,000 – $40,000Your amount 2.25% $40,000 – $75,000 2.35% $75,000 and up 2.50% Rate checked
More details - 2.25%APY$225 a year on $10,000with conditions
Requirements
Product: Must be paired/linked with a Heritage High Yield Checking or Heritage Cash Back Checking account. Monthly Direct Deposit/ACH credit and enrollment in eStatements are conditions. Limit of one account per member (SSN). Non-commercial use only.
Offer: Earned when monthly qualifications in linked Heritage High Yield Checking or Heritage Cash Back Checking are met (at least 12 debit card purchases, at least 1 direct deposit/ACH credit, enrolled in e-Statements). Dividend rate is 2.23%.
Qualified rate · 2.23% interest rate · Balance cap $150,000 · No monthly fee · Effective Feb 9, 2026
Rate checked
More details - ConnectOne BankConnect Money MarketConnect Money Market · $1,000 min · 2.00%–2.10% by balance
Bank · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Avoid the $10 monthly minimum balance fee by maintaining an average daily balance of $5,000 or more.
Offer: Avoid $10 monthly fee with $5,000+ average daily balance.
1.98% interest rate · $10 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Connect Money Market Balance APY Up to $25,000Your amount 2.00% $25,000 and up 2.10% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires a linked High Interest Checking or Cash Back Checking account. Limit one Premier Savings account per linked checking account. No monthly maintenance fee. Available to consumers residing in New York State.
Offer: Base rate applied to all account balances when monthly qualifying criteria on linked High Interest Checking or Cash Back Checking account are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 21, 2024
Rate by balance
Rate by balance for Premier Savings Balance APY Any balance 0.05% Up to $100,000Your amountEarns 2.00% APY when linked High Interest Checking or Cash Back Checking qualifications are met (at least 15 debit card transactions of $1+, at least 1 direct deposit or ACH payment, and eStatement enrollment per Monthly Qualification Cycle). 2.00% Over $100,000When monthly qualifications on linked High Interest Checking or Cash Back Checking are met; 0.50%* Rate checked
More details - First Federal MiddletownMoney Market Preferred AccountMoney Market Preferred Account · $1,000 min · 0.00%–1.51% by balance
Bank · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: New money not on deposit with First Federal Savings. Variable rate account. Monthly fee of $7 and no interest earned if balance falls below $1,000 at any time during the month. Regulation D transfer limits apply (max 6 per month).
Offer: Tier $.01 - $999.99. New money not on deposit with First Federal Savings. If balance falls below $1,000 at any time during the month, account is charged a $7 fee and will not earn interest.
0.00% interest rate · $7 monthly fee · Effective Jan 2, 2026
Rate by balance
Rate by balance for Money Market Preferred Account Balance APY Up to $1,000 0.00% $1,000 – $50,000Your amount 1.26% $50,000 and upMonthly fee of $7 waived when balance stays at or above $1,000. 1.51% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Maintenance fee applies only when account balance falls below $200 minimum balance any day during the month. Accounts with $0 balance for 30 days will be automatically closed.
Offer: Credit frequency: Quarterly. Daily collected balance method. The APY is paid on the full balance for that tier. Monthly maintenance fee of $5 waived with minimum balance of $200.
1.00% interest rate · $5 monthly fee · Effective Sep 21, 2026
Rate checked
More details - The Berkshire BankGold Money Market AccountGold Money Market Account · $2,500 min · 0.00%–2.28% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Available to individuals and new money only. New money is defined as funds not on deposit at The Berkshire Bank for more than 30 days. No ATM/Debit Card Allowed. Up to 10 transfers or withdrawals per calendar month (or statement cycle of at least 4 weeks); $3 excess transaction fee for each debit over 10.
Offer: Balances of $0 – $2,499.99 do not earn interest. Minimum daily balance of $2,500 avoids $10 monthly maintenance fee. Minimum opening deposit of $2,500 required.
$10 monthly fee · Effective Sep 3, 2026
Rate by balance
Rate by balance for Gold Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $20,000Your amount 0.50% $20,000 – $4,999,999 2.02% $5,000,000 – $10,000,000 2.15% $10,000,000 and up 2.28% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Includes existing Passbook Savings accounts.
Offer: Monthly fee of $5 waived with average daily collected balance of $300.
0.10% interest rate · $5 monthly fee · Effective Nov 13, 2025
Rate by balance
Rate by balance for Statement Savings Balance APY $300 – $9,999 0.10% $10,000 – $99,999Your amount 0.50% $100,000 – $2,999,999 0.60% $3,000,000 and up 0.60% Rate checked
More details - Rhinebeck BankMoney Market AccountMoney Market Account · $1,000 min · 0.50%–2.00% by balance
Bank · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Available only to New York State residents. $20 monthly maintenance fee is waived when maintaining a $10,000 minimum account balance as of the end of each business day in the statement cycle. Limited to six transfers or withdrawals per statement cycle.
Offer: $20 monthly fee waived with a $10,000 minimum daily account balance.
0.50% interest rate · $20 monthly fee · Effective Mar 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $100,000Your amount 0.50% $100,000 – $500,000 1.00% $500,000 – $1,000,000 1.00% $1,000,000 – $2,000,000 1.16% $2,000,000 – $5,000,000 1.51% $5,000,000 – $10,000,000 1.76% $10,000,000 and up 2.00% Rate checked
More details - Walden Savings BankAdvantage Savings AccountSavings · $10,000 min · 0.30%–0.50% by balance
Bank · 10 branches
0.40%APY$40 a year on $10,000Requirements
Product: Tiered savings account. Monthly service fee of $5.00 is waived with an average monthly balance of $100.00. Interest is compounded and credited monthly; accrued uncredited interest is forfeited upon withdrawal.
Offer: Monthly service fee of $5.00 waived by maintaining a $100.00 average monthly balance.
0.30% interest rate · $5 monthly fee · Effective Jun 5, 2026
Rate by balance
Rate by balance for Advantage Savings Account Balance APY Up to $9,999 0.30% $10,000 – $49,999Your amount 0.40% $50,000 and up 0.50% Rate checked
More details - Walden Savings BankMoney Market Deposit AccountMoney Market Deposit Account · $100 min · 0.05%–0.50% by balance
Bank · 10 branches
0.35%APY$35 a year on $10,000Requirements
Product: Interest is compounded and credited monthly. Interest is paid on tiered balances. Interest accrued but not credited at withdrawal is forfeited.
0.05% interest rate · Effective Jun 5, 2026
Rate by balance
Rate by balance for Money Market Deposit Account Balance APY $100 – $2,499 0.05% $2,500 – $49,999Your amount 0.35% $50,000 and up 0.50% 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 Orange County, NY
70 accounts at 25 banks and credit unions · checked Oct 3–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.05%
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Kiryas Joel, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 2 branches
- International Bank of ChicagoBank · 1 branch
- Navy Federal Credit UnionCredit union · 1 branch