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 376–390 results in New York
- Town of Hempstead Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–0.50% by balance
Credit union · 2 branches
0.20%APY$20 a year on $10,000Requirements
Product: Opening deposit of $2,500.00 required. Check writing privileges limited to up to 6 checks per month for a minimum of $250 each. If account falls below $2,500.00, it automatically earns the regular savings dividend rate. If account falls below $500.00 at any time during a month, a monthly service fee applies for that month.
Offer: Tier minimum balance $2,500.00 to earn stated APY/Dividend Rate.
0.15% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and up 0.15% $10,000 and upYour amount 0.20% $25,000 and up 0.30% $50,000 and up 0.50% Rate checked
More details - Cattaraugus County BankCCB Advantage SavingsSavings · $25 min · 0.20%–1.01% by balance
Bank · 7 branches
0.20%APY$20 a year on $10,000Requirements
Product: Free account that builds savings. No CCB Advantage Checking Account required. Requires enrollment in E-statements. 15 free withdrawals per month.
Offer: Daily balances of $25,000 or less earn 0.20% interest rate on entire balance. Requires enrollment in E-statements. No monthly maintenance fees.
0.20% interest rate · No monthly fee · Effective Jun 2, 2025
Rate by balance
Rate by balance for CCB Advantage Savings Balance APY Up to $25,000Your amount 0.20% $25,000 and up 0.50% $250,000 and up 1.01% Rate checked
More details - Northern Credit UnionMoney MarketMoney Market · $0 min · 0.15%–0.30% by balance
Credit union · 10 branches
0.20%APY$20 a year on $10,000Effective Dec 1, 2022
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.15% $10,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 and up 0.30% Rate checked
More details - TruNorthern Federal Credit UnionMoney Market AccountsMoney Market Accounts · $10,000 min · 0.20%–0.80% by balance
Credit union · 4 branches
0.20%APY$20 a year on $10,000Requirements
Product: Accumulates dividends on a tiered basis while being tied to current markets. Accessible via check writing and ATM card withdrawals. A transactional penalty of $25.00 applies if balance drops below $10,000.00.
0.20% interest rate · Effective Sep 8, 2023
Rate by balance
Rate by balance for Money Market Accounts Balance APY $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.40% $50,000 – $75,000 0.60% Over $75,000 0.80% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Variable-rate interest-bearing statement savings account. Interest compounded daily and credited monthly. If closed before interest is credited, uncredited interest is not paid. Excess activity fee of $10 applies if Regulation D limits are exceeded.
Offer: Must maintain a minimum balance of at least $100 each day to obtain disclosed APY. $5.00 monthly fee charged if balance falls below $100.00 at any time. Must make at least one deposit or withdrawal per year to prevent monthly inactivity fee.
0.20% interest rate · Compounded daily · $5 monthly fee · Effective Jan 2, 2026
Rate checked
More details - ESL Federal Credit UnionPremier Money Maker AccountPremier Money Maker Account · $10,000 min · 0.00%–0.50% by balance
Credit union · 32 branches
0.20%APY$20 a year on $10,000Requirements
Product: Balances qualify for the Owners' Dividend subject to eligibility. $15.00 monthly average balance fee applies if monthly average balance falls below $25,000.
Offer: Minimum balance to obtain APY is $1. Monthly fee waived with average monthly balance of $25,000 or more.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Premier Money Maker Account Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.30% $50,000 – $100,000 0.45% $100,000 – $250,000 0.45% $250,000 and up 0.50% Rate checked
More details - ESL Federal Credit UnionPremier Money Maker AccountSavings · $10,000 min · 0.00%–0.50% by balance
Credit union · 32 branches
0.20%APY$20 a year on $10,000Requirements
Product: Monthly average balance fee of $15.00 applies if below $25,000; waived if balance is $25,000 or more.
0.00% interest rate
Rate by balance
Rate by balance for Premier Money Maker Account Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.30% $50,000 – $250,000 0.45% $250,000 and up 0.50% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Initial deposit of $5.00 required to open account and establish membership.
Offer: Monthly statement fee is $2.00, waived if enrolled in e-statements.
0.20% interest rate · $2 monthly fee · Effective Mar 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $4 monthly fee is waived when you maintain a $300 minimum account balance as of the end of each business day in the statement cycle OR when you have at least one (1) Savings Made Simple credit per statement cycle. Available to New York State residents.
Offer: $4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.
0.15% interest rate · $4 monthly fee · Effective Oct 21, 2024
Rate by balance
Rate by balance for Classic Savings Balance APY Up to $10,000 0.15% $10,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 and up 0.35% Rate checked
More details - Auburn Community Federal Credit UnionRegular Share Savings AccountSavings · $5 min · 0.00%–0.15% by balance
Credit union · 4 branches
0.15%APY$15 a year on $10,000Requirements
Product: $5.00 minimum balance required to maintain membership. Dividends compounded daily, credited quarterly. Average daily balance method. Account transfer limitations apply (maximum 6 transfers/withdrawals per month).
0.00% interest rate · Compounded daily · Effective Sep 1, 2026
Rate by balance
Rate by balance for Regular Share Savings Account Balance APY Up to $50 0.00% $50 and upYour amount 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Maintain a $2,500 average daily balance to earn dividends and avoid a monthly maintenance fee. Membership eligibility required.
Offer: Maintain a $2,500 average daily balance to earn dividends and avoid monthly maintenance fee.
Rate checked
More details - Wallkill Valley Federal Savings & LoanStatement Money MarketStatement Money Market · $100 min · 0.05%–0.51% by balance
Bank · 9 branches
0.15%APY$15 a year on $10,000Requirements
Product: Limit of six (6) electronic withdrawals or transfers per month. Withdrawals and transfers made in person or by mail are unlimited. Monthly service fee of $10 waived with a minimum balance of $2,500 or if you maintain a combined daily balance of $25,000 or more on selected personal deposit accounts (excluding IRAs) throughout the month. Interest will not be paid on any day that the balance falls below $100.
Offer: Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts.
0.05% interest rate · $10 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Statement Money Market Balance APY $100 – $2,500 0.05% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.21% $50,000 and up 0.51% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Requires membership eligibility within Brooklyn Coop Field of Membership. $25 one-time membership fee and $30 membership share required to join. $3 monthly fee waived with e-statements.
Offer: $3 monthly fee waived with e-statements. One-time $25 membership fee.
$3 monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Requires membership eligibility within Brooklyn Coop Field of Membership. $25 one-time membership fee and $30 membership share required to join. $3 monthly fee waived with e-statements. $3 fee per ATM withdrawal.
Offer: $3 monthly fee waived with e-statements. One-time $25 membership fee. $3 fee per ATM withdrawal.
$3 monthly fee
Rate checked
More details - Lockport Schools & Community Federal Credit UnionShare Savings AccountSavings · $500 min · 0.10%–0.25% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Membership eligibility is required (live, work, conduct business, worship, attend school, or volunteer in the City or Town of Lockport). Dividends are compounded on the average daily balance after meeting a minimum account balance, paid quarterly.
0.10% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Savings Account Balance APY $500 – $2,000 0.10% $2,000 – $5,000 0.15% $5,000 – $20,000Your amount 0.15% $20,000 and up 0.25% 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
719 accounts at 293 banks and credit unions · checked Oct 22–23
- Typical
- 0.20%
- Top 10% from
- 2.71%
- 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
- Quorum Federal Credit UnionCredit union · 1 branch
- Ontario Shores FCUCredit union · 5 branches
- SJP Federal Credit UnionCredit union · 1 branch