Best savings rates in Rochester, NY

Requirements

Product: Minimum balance to open is $2,500. Minimum balance required to maintain the account is $2,000; balances below $2,000 are assessed a monthly $5.00 service charge. Interest is paid monthly and calculated using daily balance method.

Offer: Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000.

Requirements

Product: Requires membership with The Summit FCU and maintaining payment of one share ($5.00 par value). Monthly Account Maintenance Fee of $5.95 applies, deducted from Primary Savings on the last day of the month, waived if monthly Combined Balance is $2,500 or greater, member is 22 or younger, member is 65 or older, or with qualifying direct deposit, 10 or more monthly debit POS transactions, or other exemptions.

Offer: Minimum opening deposit is $5.00 par value. Minimum average daily balance of $100.00 required to earn dividends (fee waived for members <18 years of age). Monthly Account Maintenance Fee of $5.95 waived with $2,500+ combined balance or other qualifying criteria.

Requirements

Product: Subject to monthly Account Maintenance Fee of $5.95 unless meeting fee waiver criteria.

Offer: Minimum average daily balance of $100 required to earn dividends (waived for members <18 years of age). Monthly Account Maintenance Fee of $5.95 applies unless waived.

Requirements

Product: Open to employees of the City of Rochester, County of Monroe, certain towns/villages, and individuals who live, work, or worship in the City of Rochester. Opening in-office requires a $5 deposit and a $1 processing fee ($6 total). Earns quarterly dividends.

Offer: Quarterly dividends; $1 processing fee on in-office opening ($5 deposit + $1 fee).

Requirements

Product: Deposit $5 into savings to establish membership and become a shareholding owner-member of Alternatives Federal Credit Union. Membership requires a one-time $2 fee to join Alternatives Fund of Ithaca, Inc. and residency in eligible NY counties. No monthly service fees if enrolled in paperless statements.

Offer: Rate applies to balances from $5 to $9,999.99. Monthly service fee waived with paperless statements.

Requirements

Product: Membership Daily Dividend Savings Account opened with ESL membership. Dividends paid quarterly. No monthly service or minimum balance fees.

Offer: Minimum balance to obtain APY is $1. Variable rate subject to change.

Requirements

Product: Service charge is $5.00 per Statement Period, waived with at least $300 average daily balance or if primary person listed on the account is under 18 years old. Variable rate account.

Offer: Service charge is $5.00 per Statement Period, waived with at least $300 average daily balance or if primary person is under 18 years old. Variable rate account.

Requirements

Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.

Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).

Requirements

Product: Automatic access to Basic (Share) Savings Account upon becoming a member. Funds can be deposited or withdrawn at discretion.

Offer: Dividends paid quarterly. No minimum balance to maintain.

Requirements

Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).

Offer: Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens.

Requirements

Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.

Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.

Requirements

Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.

Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.

Requirements

Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.

Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.

Requirements

Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.

Offer: Standard rate. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.

Requirements

Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.

Offer: All balances. $5 monthly service fee waived with $300+ beginning day balance, $25+ Autosave/repeating automatic transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.