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 451–465 results in New York
- Carthage Federal Savings and Loan AssociationMoney Market AccountMoney Market Account · $2,500 min · 0.00%–0.10% by balance
Bank · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Avoid the $5 monthly service fee by maintaining a $2,500 minimum daily balance. $2,500 minimum deposit to open. 6 free transactions per month by preauthorized automatic, telephone, check, draft, debit card or other similar order (3 free checks per month; $3 per check thereafter).
Offer: Rate applies to daily balances up to $2,499.99. Avoid the $5 monthly service fee by maintaining a $2,500 minimum daily balance.
0.00% interest rate · $5 monthly fee · Effective Aug 31, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $5,000 0.00% $5,000 – $10,000Monthly service fee waived with $2,500 minimum daily balance. 0.00% $10,000 – $40,000Your amountMonthly service fee waived with $2,500 minimum daily balance. 0.10% $40,000 – $9,999,999Monthly service fee waived with $2,500 minimum daily balance. 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No monthly service fee. Limited to 6 pre-authorized electronically funded transactions per statement cycle.
Offer: Competitive interest on entire balance. Daily balance required to obtain APY is $10.00.
0.10% interest rate · No monthly fee · Effective Aug 31, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Tiered statement-savings account. Maintain an average daily balance of $200.00 to avoid a $2.00 monthly service fee (waived if primary account holder is under age 18).
Offer: Monthly fee of $2.00 waived if average daily balance is $200.00 or more, or if primary account holder is under age 18. Must maintain a minimum daily balance of $10.00 to earn interest and the stated APY.
0.10% interest rate · $2 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Flex Savings Balance APY Up to $10,000 0.10% $10,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.25% $100,000 – $250,000 0.50% $250,000 – $1,000,000 0.75% $1,000,000 – $5,000,000 0.25% $5,000,000 and up 0.00% Rate checked
More details - Gouverneur Savings & Loan AssociationPassbook & Statement Savings AccountSavings · $10 min
Bank · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: No maintenance charge for tax reported owners ages under 18 or 60 years old and over. $50.00 balance required to avoid a $5.00 monthly maintenance charge.
Offer: $50.00 minimum balance required to avoid $5.00 monthly maintenance fee. Monthly maintenance fee waived for owners ages under 18 or 60 and over.
0.10% interest rate · $5 monthly fee · Effective Jul 30, 2026
Rate checked
More details - Gouverneur Savings & Loan AssociationMoney Market CheckingMoney Market Checking · $2,500 min · 0.10%–1.01% by balance
Bank · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: No monthly service charge with $2501.00 daily balance. Limited check writing and withdrawals. Rate is based on tiered balance.
Offer: Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance).
0.10% interest rate · $5 monthly fee · Effective Jul 30, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $2,500 0.10% $2,500 – $10,000Your amount 0.10% $10,000 – $50,000 0.75% Over $50,000 1.01% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership eligibility required. $5.00 and Photo ID required when opening account. Minimum balance requirement is $5.00.
0.10% interest rate · Effective Aug 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services. Fees may reduce earnings on the account.
Offer: Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services. Fees may reduce earnings on the account.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us.
Offer: Rates on Savings accounts may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. At your request, the balance in the account will be transferred on the date of your choice to your Share Savings account with us.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Includes Primary and Secondary shares.
Offer: Primary, Secondary shares.
0.10% interest rate · Effective Mar 1, 2026
Rate checked
More details - USALLIANCE FinancialMyLife Money MarketMyLife Money Market · 0.05%–0.60% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Dividends paid out monthly.
Offer: Rate may change daily.
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for MyLife Money Market Balance APY Up to $2,000 0.05% $2,000 – $10,000 0.07% $10,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.25% $250,000 – $500,000 0.40% $500,000 – $1,000,000 0.50% $1,000,000 – $100,000,000 0.60% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Rates may change daily. DD/DW term.
Offer: On the first $2,000. $1.00 required minimum balance. DD/DW term. Rate may change daily.
0.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Plus Balance APY Up to $2,000 0.05% Over $2,000Your amountAmounts > $2,000. $500 required minimum balance. 0.10% Rate checked
More details - Ulster Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.10%–0.30% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: No monthly service fee. Tiered rates based on minimum balance / average daily balance. Minimum deposit of $500 to open and earn APY. Dividends paid monthly, calculated on average daily balance. Penalty-free withdrawals.
Offer: Average daily balance tier $2,500 - $99,999.99. Minimum deposit to open and earn APY is $500.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $100,000Your amount 0.10% $100,000 – $200,000 0.15% $200,000 – $300,000 0.20% $300,000 – $400,000 0.25% $400,000 and up 0.30% Rate checked
More details - Palisades Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.05%–0.30% by balance
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Minimum $2,500 opening deposit required. A $20 monthly fee will be assessed if minimum balance is not maintained. Maximum of six withdrawals allowed per statement cycle; additional withdrawals will be imposed a fee.
Offer: Tier 1 balance ($2,500 – $9,999). Minimum $2,500 opening deposit required. $20 monthly fee if minimum balance is not maintained. Max 6 withdrawals per statement cycle.
0.05% interest rate · $20 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.05% $10,000 – $24,999Your amount 0.10% $25,000 – $49,999 0.15% $50,000 – $99,999 0.20% $100,000 – $249,999 0.25% $250,000 and up 0.30% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Open for as little as $5.00. Once your account reaches at least a $100 balance, you start earning money in the form of a dividend.
Offer: Regular Shares. Minimum balance of $100 required to earn dividends.
Effective Oct 1, 2026
Rate checked
More details - AmeriCU Credit UnionShare SavingsSavings · $50 min · 0.01%–0.10% by balance
Credit union · 23 branches
0.10%APY$10 a year on $10,000Requirements
Product: Keep a minimum deposit of one penny ($0.01) to open and maintain membership.
0.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $5,000 0.05% $5,000 and upYour amount 0.10% 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 22–24
- 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
- SJP Federal Credit UnionCredit union · 1 branch
- Ontario Shores FCUCredit union · 5 branches