Compare Bank & Credit Union Rates
Best savings rates in Saratoga Springs, NY
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–12 results in Saratoga Springs, NY
- Saratoga's Community Federal Credit UnionMoney Market CHECKINGMoney Market CHECKING · $50 min · 0.00%–0.80% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.
Offer: Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.
0.10% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Money Market CHECKING Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.23% $10,000 – $25,000Your amount 0.40% $25,000 – $250,000 0.80% $250,000 and up 0.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Adirondack Trust CompanyHigh Peaks Tiered Money MarketHigh Peaks Tiered Money Market · 0.15%–1.00% by balance
Bank · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: Available to individuals only. Compounded and credited monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month.
Offer: Tier IV (Under $50,000). Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month.
0.15% interest rate · Compounded monthly · $15 monthly fee · Effective Sep 22, 2026
Rate by balance
Rate by balance for High Peaks Tiered Money Market Balance APY Up to $50,000Your amount 0.15% $50,000 – $100,000Tier III. 0.25% $100,000 – $200,000Tier II. 0.50% $200,000 and upTier I. 1.00% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum of $25.00 deposit to open. A service charge of $4.00 will be imposed every statement period if the average daily balance falls below $250.00. APY is variable.
Offer: Service charge of $4.00 imposed every statement period if average daily balance falls below $250.00. APY is variable.
0.05% interest rate · $4 monthly fee · Effective Oct 16, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: Compounded quarterly. $100 daily balance required to avoid $1 per quarter fee.
0.05% interest rate · Compounded quarterly · Effective Sep 22, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: Compounded monthly. $50 daily balance required to avoid $1 monthly fee.
0.05% interest rate · Compounded monthly · $1 monthly fee · Effective Sep 22, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: MMDA rate reverts to NOW rate when average balance falls below minimum.
Offer: MMDA rate reverts to NOW rate when average balance falls below minimum. Compounded monthly.
0.05% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
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).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Also referred to as Personal Statement Savings. Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $25 or more quarterly, or monthly if set up with a portfolio statement.
Offer: Tier 1: Average daily balance $25 +. Accounts opened online.
0.03% interest rate · No monthly fee · Effective Dec 11, 2025
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $100 or more quarterly, or monthly through a portfolio statement.
Offer: Tier 1: Average daily balance $100 < $2,500 ($100 - $2,499.99). Accounts opened online.
0.03% interest rate · No monthly fee · Effective Dec 11, 2025
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
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.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Citizens Private Client® Money Market Balance APY Up to $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $49,999 3.50% $50,000 – $99,999 3.50% $100,000 – $249,999 3.50% $250,000 – $499,999 3.50% $500,000 – $999,999 3.50% $1,000,000 – $2,999,999 3.50% $3,000,000 and up 3.50% Rate checked
More details - 0.01%APY$1 a year on $10,000
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).
Effective Oct 3, 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
What savings accounts pay in Saratoga Springs, NY
12 accounts at 7 banks and credit unions · checked Oct 3–22
- Typical
- 0.05%
- Top 10% from
- 0.24%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.33%
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Albany, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sunmark Credit UnionCredit union · 14 branches
- TCT FCUCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch