Compare Bank & Credit Union Rates
Best savings rates in Yonkers, 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 Yonkers, NY
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - Ridgewood Savings BankSmart Move Money Market AccountSmart Move Money Market Account · $10,000 min · 0.25%–3.75% by balance
Bank · 1 branch
3.75%APY$375 a year on $10,000Requirements
Product: Limited to consumers who do not have a deposit account either personally or as joint owner at Ridgewood. One Smart Move Money Market account per customer and must be opened online. For balances $0 - $9,999.99 there is no interest. The $15 monthly maintenance fee is waived if a balance of $5,000 is maintained at the end of the statement cycle. Monthly fee of $5 for paper statements. Overdraft coverage is not offered.
Offer: Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements.
3.63% interest rate · $15 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Smart Move Money Market Account Balance APY $10,000 – $75,000Your amount 3.75% $75,000 – $125,000 3.75% $125,000 – $250,000 3.75% Over $250,000 0.25% Rate checked
More details - Ridgewood Savings BankSmart Move Online Savings AccountSavings · $0 min · 0.25%–3.35% by balance
Bank · 1 branch
3.35%APY$335 a year on $10,000Requirements
Product: Online-only savings account allows 24/7 access. No monthly fees. Fees charged on some accounts may reduce earnings. Rates and terms are subject to change without notice.
3.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Smart Move Online Savings Account Balance APY Up to $250,000Your amount 3.35% $250,000 and up 0.25% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: To earn the advertised 3.00% APY, member must deposit a minimum of $5,000 in New Money into the account. Until the New Money requirement is met, dividends accrue at the Hero Savings rate.
Offer: Requires a total deposit of $5,000 in New Money. Once met, no minimum balance is required to earn the posted APY.
Promotional rate · 2.96% interest rate · No monthly fee · Effective May 1, 2026
Rate checked
More details - SUMA Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.77%–2.69% by balance
Credit union · 1 branch
1.77%APY$177 a year on $10,0001.75% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $99,999Your amount 1.77% $100,000 – $249,999 2.28% $250,000 and up 2.69% Rate checked
More details - Municipal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.65%–2.02% by balance
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account (Hero Savings Account, Smart Apple, or Youth Savings Account) is required to establish membership.
Offer: Variable rate account. Dividend rate and APY may change weekly as determined by Municipal Credit Union.
0.65% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $10,000 0.65% $10,000 – $25,000Your amount 0.90% $25,000 – $50,000 1.51% $50,000 – $100,000 1.76% $100,000 and up 2.02% Rate checked
More details - People's Alliance Federal Credit UnionMoney Market Account (Special Performance (S.P.) Account)Money Market Account (Special Performance (S.P.) Account) · $2,500 min · 0.35%–0.75% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: A minimum balance of $2,500.00 must be maintained. Allows a maximum of six withdrawals (no more than three by check) per month with no minimum investment period. Dividends are paid and compounded monthly. Membership eligibility requirements apply.
0.35% interest rate · Compounded monthly · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Account (Special Performance (S.P.) Account) Balance APY $2,500 – $24,999Your amount 0.35% $25,000 – $49,999 0.50% $50,000 – $99,999 0.50% $100,000 – $249,999 0.70% $250,000 and up 0.75% Rate checked
More details - Ridgewood Savings BankPowerFlex Money Market AccountPowerFlex Money Market Account · $1,000 min · 0.20%–0.35% by balance
Bank · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Check writing capabilities. The $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle.
Offer: The $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle.
0.20% interest rate · $15 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for PowerFlex Money Market Account Balance APY Up to $10,000 0.20% $10,000 – $25,000Your amount 0.25% $25,000 and up 0.35% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Each member must maintain a Savings Account with a minimum balance of $50 to establish and keep membership with SUMA FCU. Unlimited deposits and withdrawals.
Offer: No penalty for early withdrawal.
0.25% interest rate · Effective Sep 25, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Provides convenient access to savings with telephone banking, mobile banking, online banking and a Ridgewood ATM card. Fees charged on some accounts may reduce earnings. Rates and terms subject to change without notice.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Encourages savings by limiting withdrawals to in-person visits. Customers can make as many in-person deposits and withdrawals as they'd like. Automatic savings feature available to set up automated deposits. Fees charged on some accounts may reduce earnings. Rates and terms subject to change without notice.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% 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 Yonkers, NY
37 accounts at 12 banks and credit unions · checked Oct 3–22
- Typical
- 0.05%
- Top 10% from
- 3.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.35%
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New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches