Compare Bank & Credit Union Rates
Best savings rates in New York
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 181–195 results in New York
- Utica Gas & Electric Federal Credit UnionMoney MarketMoney Market · $500 min · 0.80%–1.40% by balance
Credit union · 1 branch
0.80%APY$80 a year on $10,000Requirements
Offer: Compounded monthly, credited monthly. Minimum balance for APY is $500.00.
0.80% interest rate · Compounded monthly
Rate by balance
Rate by balance for Money Market Balance APY $500 – $25,000Your amount 0.80% $25,000 – $75,000 0.90% $75,000 – $150,000 1.10% $150,000 and up 1.40% Rate checked
More details - Radius FCUMoney Market SavingsMoney Market Savings · $3,000 min · 0.80%–1.00% by balance
Credit union · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Five (5) free withdrawals per month; minimum $3,000 balance to earn tiered interest.
0.80% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $3,000 – $20,000Your amount 0.80% $20,000 – $75,000 0.90% $75,000 and up 1.00% Rate checked
More details - Reliant Credit UnionDaily Money AccountDaily Money Account · $1,000 min · 0.50%–1.10% by balance
Credit union · 10 branches
0.75%APY$75 a year on $10,000Requirements
Product: Dividends are paid up to the date of withdrawal if closed prior to the end of the dividend period. Minimum opening balance is $1,000. Membership eligibility required.
0.50% interest rate · No monthly fee · Effective Jun 29, 2026
Rate by balance
Rate by balance for Daily Money Account Balance APY $1,000 – $2,500 0.50% $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.90% $50,000 – $100,000 1.05% $100,000 – $150,000 1.05% $150,000 – $250,000 1.10% $250,000 and up 1.10% Rate checked
More details - Western Division Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.51% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Available to members within Western Division's field of membership. Dividends are compounded daily and credited quarterly. Rate and APY may change monthly. Three withdrawals/transfers per month at no charge.
0.00% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.00% $1,000 – $50,000Your amount 0.75% $50,001 – $100,000 1.00% $100,001 – $200,000 1.25% $200,001 and up 1.51% Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Offer: when paired with a 2-year certificate
Qualified rate · 0.75% interest rate · Effective Dec 1, 2020
Rate checked
More details - St. Pius Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.75%–1.50% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Membership subject to eligibility. Features include no penalty charges for withdrawal, monthly statements when dividends are credited, online access and eStatement delivery, and up to six transactions per month (Regulation D limits).
Offer: Level One. Rates subject to change without notice. Membership subject to eligibility.
0.75% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $24,999Your amount 0.75% $25,000 – $74,999Level Two. 1.00% $75,000 and upLevel Three. 1.50% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Features a $5,000 minimum balance requirement, monthly dividend payments, and up to six fee-free withdrawals.
Offer: Dividends credited monthly.
0.05% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $10,000 0.40% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.90% $50,000 and up 1.00% Rate checked
More details - Long Island Alliance FCUMoney MarketMoney Market · $2,500 min · 0.75%–1.50% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Dividends are posted monthly and earned from day of deposit to day of withdrawal. Up to 6 withdrawals per month.
Offer: Dividends paid monthly.
0.75% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.75% $10,001 and upAPY is listed as 1.001% on current_p16 and 1.00% on current_p22. 1.00% $25,001 and up 1.50% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Initial account opened to become a member. Requires a $5.00 balance.
Offer: Begins earning interest at $200.00 and requires a $5.00 balance.
0.75% interest rate
Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Requires linked First Choice Interest or First Choice Cash Back checking account. Limit of one account per customer. Monthly direct deposit/ACH credit and eStatements are required.
Offer: Qualifying requirements met in linked First Choice checking: at least 15 debit card purchases (each > $7), at least 1 direct deposit or ACH credit transaction post and settle, and enrolled in eStatements during each Monthly Qualification Cycle.
Qualified rate · 0.75% interest rate · Balance cap $20,000 · No monthly fee
Rate checked
More details - Spencerport Federal Credit UnionMoney Market ShareMoney Market Share · $2,000 min · 0.03%–0.90% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Variable rate account; dividend rate and APY may change monthly (every 30 days). Dividends compounded and credited quarterly on the ledger balance using the daily balance method. Minimum initial deposit and minimum account balance is $2,000.00. Minimum deposit is $100.00. Minimum withdrawal is $500.00 with a maximum of 3 withdrawals per month. If the account drops below $2,000.00, it is closed and transferred to a regular share account, and dividends are not paid for any month in which the balance falls below $2,000.00.
Offer: Dividends will not be paid for any month in which the balance falls below the $2000.00 minimum, and the account will be closed and transferred to regular share account.
0.03% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Share Balance APY Up to $1,999 0.03% $2,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.75% $25,000 and up 0.90% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Available in branch or through banking teams.
Offer: Must maintain at least $5,000.00 to earn the annual percentage yield.
0.75% interest rate · Effective Sep 17, 2026
Rate checked
More details - Reliant Credit UnionDaily Money Savings AccountSavings · $1,000 min · 0.50%–1.10% by balance
Credit union · 10 branches
0.75%APY$75 a year on $10,000Requirements
Product: Combines features of savings and checking with tiered dividends. Dividends accrue daily for balances of $1,000 or greater and are paid monthly; if closed prior to dividend period end, dividends paid up to date of withdrawal. No monthly service fee. Mobile check deposit is not available.
Offer: Rates accurate as of 6/29/2026 and subject to change.
0.50% interest rate · No monthly fee · Effective Jun 29, 2026
Rate by balance
Rate by balance for Daily Money Savings Account Balance APY $1,000 – $2,500 0.50% $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.90% $50,000 – $100,000 1.05% $100,000 – $150,000 1.05% $150,000 – $250,000 1.10% $250,000 and up 1.10% Rate checked
More details - Northern Credit UnionHigh Yield SavingsSavings · $1 min · 0.75%–2.50% by balance
Credit union · 10 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account. Minimum opening deposit $1.
Qualified rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $35,000Your amount 0.75% $35,000 – $75,000 1.00% $75,000 – $250,000 1.50% $250,000 and up 2.50% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: A minimum balance of $2,500 is required to earn dividends. Dividends are calculated on average daily balances of $2,500.00 or more and declared monthly based on available earnings. A maximum of 3 withdrawals are allowed per month; each additional withdrawal incurs a $10.00 fee. A $10.00 fee is assessed to balances that fall below $2,500.00.
Offer: Rates are variable and declared monthly based on available earnings. Applies to average daily balances greater than $2,500.00.
0.75% interest rate · Effective Jun 5, 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 New York
717 accounts at 293 banks and credit unions · checked Oct 16–23
- Typical
- 0.20%
- Top 10% from
- 2.72%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.25%
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New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch