Compare Bank & Credit Union Rates
Best savings rates in Rochester, 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 Rochester, NY
- 3.15%APY$315 a year on $10,000
Requirements
Product: Must be opened online.
Offer: Maintenance fee waived with e-statement delivery. Preferred Rate.
$4 monthly fee · Effective Oct 7, 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 · 2 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 - 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 - Visions Federal Credit UnionFlex Money MarketFlex Money Market · $5,000 min · 1.00%–2.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,0001.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Flex Money Market Balance APY Up to $100,000Your amount 1.00% $100,000 – $250,000 1.25% $250,000 – $500,000 1.50% $500,000 – $1,000,000 1.75% $1,000,000 and up 2.00% Rate checked
More details - ESL Federal Credit UnionTiered SavingsSavings · $10,000 min · 1.00%–2.10% by balance
Credit union · 5 branches
1.00%APY$100 a year on $10,000Requirements
Product: $20.00 monthly balance fee applies if monthly average balance drops below $50,000; fee waived if monthly average balance is $50,000 or more. No monthly service fee. Dividends paid monthly.
Offer: Balance Tier $0 - $49,999.99; minimum balance to obtain APY is $1. $20.00 average balance fee applies if monthly average balance drops below $50,000.
1.00% interest rate · $20 monthly fee
Rate by balance
Rate by balance for Tiered Savings Balance APY Up to $50,000Your amount 1.00% $50,000 – $100,000 1.20% $100,000 – $250,000Monthly balance fee waived if monthly average balance is $50,000 or more. 1.45% $250,000 – $1,000,000Monthly balance fee waived if monthly average balance is $50,000 or more. 1.80% $1,000,000 and upMonthly balance fee waived if monthly average balance is $50,000 or more. 2.10% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - Alternatives Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.25%–0.85% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership requires a one-time $2 fee to enroll in the Alternatives Fund of Ithaca, Inc. and a $5 deposit into a savings account. Field of membership includes specific NY counties.
0.25% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $2,500 0.25% $2,500 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.70% $100,000 and up 0.85% Rate checked
More details - Rochester & Monroe County Employees Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.05%–0.60% by balance
Credit union · 2 branches
0.45%APY$45 a year on $10,000Requirements
Product: All new credit union members are required to open and fund a savings account. Membership open to employees of City of Rochester, County of Monroe, select towns/villages, and individuals who live, work, or worship in the City of Rochester. Variable interest rates; monthly dividends.
0.05% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.45% $25,000 – $50,000 0.55% $50,000 and upDeposits of $50,000 or more are required to obtain the highest rate. 0.60% 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - ESL Federal Credit UnionPremier Money Maker AccountPremier Money Maker Account · $10,000 min · 0.00%–0.50% by balance
Credit union · 5 branches
0.20%APY$20 a year on $10,000Requirements
Product: Balances qualify for the Owners' Dividend subject to eligibility. $15.00 monthly average balance fee applies if monthly average balance falls below $25,000.
Offer: Minimum balance to obtain APY is $1. Monthly fee waived with average monthly balance of $25,000 or more.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Premier Money Maker Account Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.30% $50,000 – $100,000 0.45% $100,000 – $250,000 0.45% $250,000 and up 0.50% Rate checked
More details - ESL Federal Credit UnionPremier Money Maker AccountSavings · $10,000 min · 0.00%–0.50% by balance
Credit union · 5 branches
0.20%APY$20 a year on $10,000Requirements
Product: Monthly average balance fee of $15.00 applies if below $25,000; waived if balance is $25,000 or more.
0.00% interest rate
Rate by balance
Rate by balance for Premier Money Maker Account Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.30% $50,000 – $250,000 0.45% $250,000 and up 0.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Visit local branch to open.
Offer: Variable rate account.
0.10% interest rate
Rate checked
More details - ESL Federal Credit UnionMoney Maker AccountMoney Maker Account · $2,500 min · 0.05%–0.45% by balance
Credit union · 5 branches
0.10%APY$10 a year on $10,000Requirements
Product: No monthly service fees or minimum balance fees. Balances qualify for the Owners' Dividend subject to eligibility. Rates are variable and paid monthly.
Offer: Minimum balance to obtain APY is $1.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Maker Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.25% $50,000 and up 0.45% Rate checked
More details - ESL Federal Credit UnionMoney Maker AccountSavings · $2,500 min · 0.05%–0.45% by balance
Credit union · 5 branches
0.10%APY$10 a year on $10,0000.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Maker Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.25% $50,000 and up 0.45% 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 Rochester, NY
35 accounts at 14 banks and credit unions · checked Sep 30–Oct 22
- Typical
- 0.05%
- Top 10% from
- 1.00%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.10%
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Rochester, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 1 branch
- Pittsford Federal Credit UnionCredit union · 2 branches
- Canandaigua National BankBank · 26 branches