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 286–300 results in New York
- State CS Employees Federal Credit UnionSecondary SavingsSavings · 0.00%–0.40% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Separate savings account to track progress for specific savings goals with deposit and withdrawal flexibility.
Offer: Under $50.00 earns no dividends.
0.00% interest rate · Effective Aug 27, 2026
Rate by balance
Rate by balance for Secondary Savings Balance APY Any balance 0.00% Up to $5,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. 0.10% $5,000 – $10,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. 0.25% $10,000 – $20,000Your amountVariable rate. Dividends compounded and credited quarterly based on average daily balance. 0.30% $20,000 and upVariable rate. Dividends compounded and credited quarterly based on average daily balance. 0.40% Rate checked
More details - State CS Employees Federal Credit UnionPrimary SavingsSavings · $5 min · 0.00%–0.40% by balance
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: Establishes credit union membership. Minimum balance of $50 required to earn dividends. Includes free $1,000 Accidental Death and Dismemberment Insurance Policy.
Offer: Under $50.00 earns no dividends.
0.00% interest rate · Effective Aug 27, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Any balance 0.00% Up to $5,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. 0.10% $5,000 – $10,000Variable rate. Dividends compounded and credited quarterly based on average daily balance. 0.25% $10,000 – $20,000Your amountVariable rate. Dividends compounded and credited quarterly based on average daily balance. 0.30% $20,000 and upVariable rate. Dividends compounded and credited quarterly based on average daily balance. 0.40% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: A $5 balance in Super Savings or Checking is required to maintain credit union membership. Membership subject to eligibility. Dividends posted to share account monthly.
Offer: Six free ATM withdrawals per month ($2.00 fee thereafter at non-Pittsford FCU machines).
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Meridia Community Credit UnionPrimary SavingsSavings · $5 min · 0.30%–4.06% by balance
Credit union · 3 branches
0.30%APY$30 a year on $10,000Requirements
Product: Establishes membership with a $5 minimum deposit. Limited to one Primary Share per primary social security number (applied to the oldest account). Paid dividends based on a split rate tier structure and quarterly average daily balance.
Offer: Split rate tier structure: Tier 1 rate applies on balance up to $1,000.
4.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $1,000 4.06% $1,000 and upYour amount 0.30% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Minimum balance is $5.00 for Regular Shares to establish membership.
Offer: Minimum Balance is $5.00 for Regular Shares. Balances $1 and greater earn dividends starting with the first dollar.
0.30% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Goal-based secondary savings account with no minimum deposit to open.
Offer: Balances $1 and greater earn dividends.
0.30% interest rate
Rate checked
More details - Genesee Valley FCUMoney Market AccountMoney Market Account · $0 min · 0.10%–0.65% by balance
Credit union · 4 branches
0.30%APY$30 a year on $10,000Requirements
Product: Maintain a minimum of $2,500 to avoid the monthly service charge.
Offer: Maintain a minimum of $2,500 to avoid the monthly service charge.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.30% $25,000 – $49,000 0.40% $50,000 – $100,000 0.50% $100,000 and up 0.65% Rate checked
More details - Empire State BankEmpire Builder SavingsSavings · $2,500 min · 0.05%–0.30% by balance
Bank · 5 branches
0.30%APY$30 a year on $10,000Requirements
Product: Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge.
Offer: Minimum daily balance of $5,000 required to avoid $15.00 monthly service charge
0.05% interest rate · $15 monthly fee · Effective Sep 24, 2026
Rate by balance
Rate by balance for Empire Builder Savings Balance APY Up to $5,000 0.05% $5,000 – $250,000Your amount 0.30% $250,000 and up 0.05% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: $5,000 daily minimum balance required to avoid a $25.00 monthly service charge. Interest earned on every dollar.
0.30% interest rate · $25 monthly fee
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: A minimum balance of $5,000 must be maintained in the account each day to avoid a monthly service charge of $25.00. Interest earned on every dollar.
Offer: A minimum balance of $5,000 must be maintained in the account each day to avoid a monthly service charge of $25.00.
0.30% interest rate · $25 monthly fee
Rate checked
More details - Niagara Falls Air Force Federal Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 0.30%–0.45% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Must maintain a minimum balance of $5,000. Dividends paid monthly. Fees may reduce earnings.
Offer: Dividends paid monthly.
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 – $25,000Your amount 0.30% $25,000 and up 0.45% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Rate tier: 0.10% over $20,000 (p3). Account balance of $100.00 or more required to earn dividends (p8).
Offer: APR/APY .30% with 0.10% over $20,000.
0.30% interest rate
Rate checked
More details - Dannemora Federal Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 0.30%–0.80% by balance
Credit union · 5 branches
0.30%APY$30 a year on $10,000Requirements
Product: DFCU Savings required to become a member. Rates are variable and may change after the account is opened. Balances of less than $5,000 will not earn dividends.
Offer: Balances of less than $5,000 will not earn dividends. Rates are variable and may change after the account is opened.
Effective Sep 19, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 – $25,000Your amount 0.30% $25,000 – $50,000 0.40% $50,000 – $75,000 0.70% $75,000 and up 0.80% Rate checked
More details - 0.28%APY$28 a year on $10,000
Requirements
Product: The interest rate and APY may change after account opening. Fees may reduce earnings on the account.
Offer: The interest rate and APY may change after account opening. Fees may reduce earnings on the account.
0.25% interest rate
Rate by balance
Rate by balance for IMMA Balance APY $1,000 – $9,999 0.25% $10,000 – $24,999Your amount 0.28% $25,000 and up 0.30% 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