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 391–405 results in New York
- 0.15%APY$15 a year on $10,000
0.05% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.05% Over $1,000Your amount 0.15% Rate checked
More details - Provident BankPlatinum MoneyManagerPlatinum MoneyManager · $0 min · 0.00%–0.30% by balance
Bank · 3 branches
0.15%APY$15 a year on $10,000with conditionsRequirements
Product: Must be linked to a Provident Platinum Checking account.
Offer: Must be linked to a Provident Platinum Checking account.
Qualified rate · 0.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Platinum MoneyManager Balance APY Up to $4,999 0.00% $5,000 – $9,999 0.10% $10,000 – $24,999Your amount 0.15% $25,000 – $49,999 0.20% $50,000 and up 0.30% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Membership eligibility required. $5.00 minimum deposit plus $5.00 membership fee required to open account. Dividends paid quarterly.
Offer: A $50.00 minimum balance is required to earn dividends. Dividends paid quarterly. $5.00 new account fee.
0.15% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - Sidney FCUMoney Management AccountSavings · $2,500 min · 0.07%–0.15% by balance
Credit union · 13 branches
0.15%APY$15 a year on $10,000Requirements
Product: Membership eligibility required. Maintain the required $2,500 average daily balance to earn dividends.
Offer: Membership eligibility required. Maintain the required $2,500 average daily balance to earn dividends.
0.07% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Management Account Balance APY $2,500 and up 0.07% $5,000 and upMaintain the required average daily balance to earn dividends. 0.10% $10,000 and upYour amountMaintain the required average daily balance to earn dividends. 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Dividends are paid on average daily balances of $50.00 or more, compounded quarterly.
0.00% interest rate · Compounded quarterly · Effective Sep 29, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $49 0.00% Up to $4,999 0.10% $5,000 and upYour amount 0.15% Rate checked
More details - Great Erie Federal Credit UnionSavings AccountSavings · $5 min · 0.00%–0.15% by balance
Credit union · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: Minimum opening deposit of $5 to become a member. Dividends are earned on the average daily balance and paid monthly. Rates quoted are anticipated to be paid on October 31, 2026. Dividend rate and APY are subject to change monthly without notice.
0.00% interest rate
Rate by balance
Rate by balance for Savings Account Balance APY Up to $25 0.00% Up to $1,000 0.15% $1,000 – $10,000 0.15% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.15% Over $50,000 0.15% Rate checked
More details - First Heritage Federal Credit UnionSavingsSavings · $100 min · 0.15%–0.30% by balance
Credit union · 6 branches
0.15%APY$15 a year on $10,000Requirements
Product: Minimum deposit to open is $5. Minimum daily balance of $100 to earn dividends. Membership eligibility required.
0.15% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Savings Balance APY $100 – $10,000 0.15% $10,000 – $50,000Your amount 0.15% $50,000 – $100,000 0.20% $100,000 – $250,000 0.25% $250,000 and up 0.30% Rate checked
More details - Hudson Valley Credit UnionTiered Money Market AccountTiered Money Market Account · $1,000 min · 0.15%–0.50% by balance
Credit union · 41 branches
0.15%APY$15 a year on $10,000Requirements
Product: Membership required. Subject to a monthly fee per Fee Schedule, waived by maintaining a minimum daily balance of $1,000.
Offer: First Tier rate. Monthly fee waived with a minimum daily balance of $1,000.
0.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Tiered Money Market Account Balance APY $1,000 and up 0.15% $10,000 and upYour amountSecond Tier rate. 0.15% $50,000 and upThird Tier rate. 0.20% $100,000 and upFourth Tier rate. 0.30% $250,000 and upFifth Tier rate. 0.50% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Tiered interest rates. Monthly service fee is $10 if minimum balance falls below $1,500 any day in the statement cycle ($0 if minimum balance is met). Opening deposit minimum is $50. Transfers to another account or third parties are limited to six per monthly statement cycle. Rates may change after account opening. Fees may reduce earnings.
Offer: Tiered balance rate tier ($1.00–$1,499.99). $10 monthly fee if balance falls below $1,500. Rate may change after account opening.
0.10% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,500 0.10% $1,500 – $50,000Your amount 0.15% $50,000 and up 0.20% Rate checked
More details - Adirondack Trust CompanyHigh Peaks Tiered Money MarketHigh Peaks Tiered Money Market · 0.15%–1.00% by balance
Bank · 13 branches
0.15%APY$15 a year on $10,000Requirements
Product: Available to individuals only. Compounded and credited monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month.
Offer: Tier IV (Under $50,000). Compounded monthly. A minimum balance fee of $15.00 will be imposed every month if the balance in the account falls below $15,000 any day of the month.
0.15% interest rate · Compounded monthly · $15 monthly fee · Effective Sep 22, 2026
Rate by balance
Rate by balance for High Peaks Tiered Money Market Balance APY Up to $50,000Your amount 0.15% $50,000 – $100,000Tier III. 0.25% $100,000 – $200,000Tier II. 0.50% $200,000 and upTier I. 1.00% Rate checked
More details - TCT FCURegular Money Market AccountRegular Money Market Account · $500 min · 0.15%–0.25% by balance
Credit union · 4 branches
0.15%APY$15 a year on $10,000Requirements
Product: Minimum balance to open is $500. Dividends are calculated on the average daily balance and compounded/credited monthly. Allows 4 free withdrawals per month; $5.00 fee for each withdrawal after 4.
Offer: Rate applies to average daily balance within the tier. 4 free withdrawals per month, $5.00 fee per withdrawal thereafter.
0.15% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Regular Money Market Account Balance APY $500 – $10,000 0.15% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.20% $50,000 and up 0.25% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Can be used as overdraft protection. Unlimited in-person withdrawals. $300 minimum balance required to waive $5 monthly service fee.
Offer: Earns interest on balances over $300 (or $300+). $300 minimum balance to waive $5 monthly service fee.
0.15% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000with conditions
Requirements
Product: $2.00 monthly service charge waived if average daily balance per statement cycle of $50.00 is maintained.
Offer: With checking account
Qualified rate · 0.15% interest rate · $2 monthly fee · Effective Oct 1, 2026
Rate checked
More details - USAA Federal Savings BankUSAA Performance First SavingsSavings · $1,000 min · 0.10%–3.00% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000with conditionsRequirements
Product: Available to eligible USAA members. Enrolling in the Relationship Rates Program and linking an eligible USAA Classic Checking account may qualify the account for higher rates. No monthly service fees.
Offer: Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury.
Qualified rate · No monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for USAA Performance First Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 and upPromotional rate offer: Apply for a first eligible USAA Performance First Savings account between August 11, 2026, and November 17, 2026 (11:59 p.m. CT). Deposit at least $25,000 in new money from outside USAA Bank within 30 calendar days of account opening. Earns 3.00% APY for 6 months, after which the rate reverts to the applicable variable APY. Excludes current or former USAA Savings or USAA Performance First Savings owners within the last 6 months, as well as trust/estate/fiduciary accounts. 3.00% $50,000 – $100,000 0.60% $100,000 – $250,000 0.70% $250,000 – $500,000 0.80% $500,000 – $1,000,000 1.10% $1,000,000 and up 1.10% Rate checked
More details - Morton Lane Federal Credit UnionPrimary Share Accounts (Savings)Savings · $500 min · 0.01%–0.50% by balance
Credit union · 3 branches
0.15%APY$15 a year on $10,000intro rateRequirements
Product: Primary account for all members representing ownership share in the Credit Union. Must maintain a minimum balance of $5.00 to remain active. Dividends are calculated on average daily balance and paid quarterly on deposit accounts that maintain a balance of $500.00.
Offer: 3rd QTR 2026 dividend rate. Minimum balance of $500 required to earn dividends.
Promotional rate · 0.01% interest rate
Rate by balance
Rate by balance for Primary Share Accounts (Savings) Balance APY $500 – $2,000 0.01% $2,000 – $5,000 0.01% $5,000 – $10,000 0.05% $10,000 – $20,000Your amount 0.15% $20,000 – $50,000 0.30% $50,000 – $100,000 0.50% $100,000 and up 0.50% 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