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 211–225 results in New York
- 0.60%APY$60 a year on $10,000
Requirements
Product: Basic savings account that establishes Credit Union membership. Dividends are compounded and credited monthly.
Offer: Minimum balance to open and earn disclosed APY is $25.00.
0.60% interest rate · Effective Dec 1, 2025
Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Offer: Minimum balance of $1,500 is required to earn posted APY. CD/Savings compounded daily. Fees may reduce earnings.
0.60% interest rate · Compounded daily · Effective Jul 13, 2026
Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: Compounded daily. $5 monthly charge waived with average minimum balance of $500; no service charge for account holders under age 18.
Offer: Minimum balance of $500 in Savings Account is required to earn posted APY. Fees may reduce earnings. Savings compounded daily. Monthly fee waived with average minimum balance of $500 or for account holders under age 18.
0.60% interest rate · Compounded daily · $5 monthly fee · Effective Jul 13, 2026
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Rates on variable rate accounts could change after account opening.
Offer: Minimum balance of $2,500.00 required to earn dividends.
0.55% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Initial deposit of $1 establishes Empower membership and is required to open and maintain account. Dividends are compounded daily and posted monthly. Dividends may be paid only from current income and accumulated earnings after required transfers to reserves.
Offer: Tier 1.
0.55% interest rate · Compounded daily · Effective Apr 11, 2023
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Dividends may be paid only from current income and accumulated earnings after required transfers to reserves. Early withdrawal penalty may apply.
Offer: Tier 1.
0.55% interest rate · Effective Apr 11, 2023
Rate checked
More details - Griffith Institute Employees Federal Credit UnionShare AccountsSavings · $100 min
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Regular savings accounts (share accounts). Requires purchasing a $5.00 share and paying a one-time fee of $1.00 for membership. $5.00 minimum balance required to keep the account open.
Offer: Minimum balance of $100.00 to earn interest/dividends. $5.00 minimum opening deposit. Dividends compounded daily and credited quarterly.
0.55% interest rate · Compounded daily
Rate checked
More details - 0.53%APY$53 a year on $10,000
0.52% interest rate · Effective Oct 3, 2026
Rate checked
More details - Massena Savings & Loan AssociationMoney Market Savings AccountMoney Market Savings Account · $2,500 min
Bank · 2 branches
0.51%APY$51 a year on $10,000Requirements
Product: Interest compounded and credited on a quarterly basis. Daily Balance Method is used. Note that commercial accounts do not have tiers and do not earn interest.
Offer: Tier 3 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY.
0.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.51%APY$51 a year on $10,000
Requirements
Product: Minimum balance of $2,000.00 required at all times. Members are allowed up to three (3) withdrawals per month and each withdrawal must be a minimum of $250.00. Dividends are compounded monthly and paid monthly.
Offer: Account withdrawal limitations apply (up to 3 withdrawals per month, minimum $250.00 per withdrawal). Minimum balance to obtain APY is $2,000.00.
0.50% interest rate · Compounded monthly
Rate checked
More details - UHS Employees Federal Credit UnionSavings AccountSavings · $25 min · 0.10%–0.50% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Dividends accrue on balances of $25.00 or more.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $1,000 0.10% $1,000 – $10,000 0.25% $10,000 and upYour amount 0.50% Rate checked
More details - The Berkshire BankGold Money Market AccountGold Money Market Account · $2,500 min · 0.00%–2.28% by balance
Bank · 7 branches
0.50%APY$50 a year on $10,000Requirements
Product: Available to individuals and new money only. New money is defined as funds not on deposit at The Berkshire Bank for more than 30 days. No ATM/Debit Card Allowed. Up to 10 transfers or withdrawals per calendar month (or statement cycle of at least 4 weeks); $3 excess transaction fee for each debit over 10.
Offer: Balances of $0 – $2,499.99 do not earn interest. Minimum daily balance of $2,500 avoids $10 monthly maintenance fee. Minimum opening deposit of $2,500 required.
$10 monthly fee · Effective Sep 3, 2026
Rate by balance
Rate by balance for Gold Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $20,000Your amount 0.50% $20,000 – $4,999,999 2.02% $5,000,000 – $10,000,000 2.15% $10,000,000 and up 2.28% Rate checked
More details - Peoples Security Bank & TrustRelationship Money MarketRelationship Money Market · $2,500 min · 0.50%–2.13% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Enhanced consumer money market when linked to an active PSBT personal checking account with one recurring qualifying direct deposit, an active debit card, and online banking enrollment. Interest rates are tiered based on aggregated relationship balance. Interest is variable, compounded and credited monthly using the daily balance method. A $2,500.00 minimum balance is required to earn interest. $8.00 monthly service charge if average daily balance falls below $2,500.00; marketing also states no monthly fee with a linked account. Offered in PA, NY, and NJ.
Offer: Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00.
Qualified rate · 0.50% interest rate · $8 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Relationship Money Market Balance APY $2,500 – $100,000Your amount 0.50% $100,000 – $250,000 0.65% $250,000 – $1,000,000 1.08% $1,000,000 – $5,000,000 1.30% $5,000,000 and up 2.13% Rate checked
More details - 0.50%APY$50 a year on $10,000
0.50% interest rate · Effective May 14, 2026
Rate checked
More details - Finger Lakes Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.40%–0.85% by balance
Credit union · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum deposit to open is $2,500. Dividend rate and APY may change weekly as determined by the Credit Union's Board of Directors. Minimum withdrawals on Money Market accounts must be $500; ATM withdrawals are not permitted. Dividends paid weekly.
0.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 and up 0.40% $10,000 and upYour amount 0.50% $25,000 and up 0.60% $50,000 and up 0.65% $100,000 and up 0.75% $250,000 and up 0.85% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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