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 481–495 results in New York
- 0.10%APY$10 a year on $10,000
Requirements
Product: $2.00 monthly service charge waived if average daily balance per statement cycle of $200.00 is maintained. No Monthly Charge for CRA lifeline.
0.10% interest rate · $2 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - USAA Federal Savings BankUSAA Performance First SavingsSavings · $1,000 min · 0.07%–1.00% by balance
Bank · 1 branch
0.10%APY$10 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: Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month.
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 0.07% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000Military-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. 0.30% $50,000 – $100,000 0.50% $100,000 – $250,000 0.60% $250,000 – $500,000 0.70% $500,000 – $1,000,000 1.00% $1,000,000 and up 1.00% Rate checked
More details - Advantage Financial Federal Credit UnionHigh Yield Money MarketHigh Yield Money Market · $1 min · 0.00%–0.20% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Tiered rates on balances of $2,500 or more. Earnings compounded monthly. Unlimited in-person withdrawals or by mail; 6 preauthorized electronic withdrawals per month. Paper statements subject to a $1.00 fee; avoid by opting into e-statements. Dividends calculated based on average daily balance. Dividend rates are variable.
0.00% interest rate · Compounded monthly · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $2,500 0.00% $2,500 – $75,000Your amount 0.10% $75,000 – $175,000 0.15% $175,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $4 monthly service fee can be avoided by maintaining an average monthly balance of $500. Up to 6 transfers/withdrawals per statement cycle without fee; $5 fee per preauthorized debit in excess of 6.
Offer: $4 monthly service fee can be avoided by maintaining a $500 average monthly balance.
0.05% interest rate · $4 monthly fee · Effective Nov 3, 2025
Rate by balance
Rate by balance for Popular Savings Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Monthly Service Fee can be avoided if minimum balance is met ($100)
0.10% interest rate · No monthly fee · Effective Sep 17, 2026
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More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · Effective Sep 17, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · Effective Sep 17, 2026
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More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Secondary savings account designed for short-term savings for specific goals.
Offer: Listed as Special Shares in rate schedule. Requires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Primary savings account for credit union membership. Credit union membership requires a $1.00 minimum deposit and $1.00 membership fee.
Offer: Requires a minimum average daily balance of $100.00 to earn stated dividend rate and APY. Variable rate subject to change at any time.
0.10% interest rate
Rate checked
More details - Watertown Savings BankMoney Market Deposit AccountMoney Market Deposit Account · $100 min
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Interest rate is variable and may change after account opening. Interest is calculated on a simple basis and paid monthly. Requires a minimum balance of at least $10.00 for the entire calendar month to receive interest.
Offer: Minimum balance of $100.00 in the account every day is required to obtain the APY. Requires a balance of at least $10.00 for the entire calendar month to receive interest for that month.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Only one Primary Share Account per member permitted. Account serves as membership share. Daily balance method used for dividend calculation.
0.10% interest rate · Effective Aug 17, 2026
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More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Multiple Share Savings accounts are permitted. A balance of $15.00 or more earns dividends. Daily balance method used for dividend calculation.
Offer: Standard Share rate applies to balances of $15.00 or more.
0.10% interest rate · Effective Aug 17, 2026
Rate checked
More details - EmpireONE Federal Credit UnionMONEY MARKETMONEY MARKET · $2,500 min · 0.05%–0.20% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Effective Mar 31, 2024
Rate by balance
Rate by balance for MONEY MARKET Balance APY $2,500 and up 0.05% $10,000 and upYour amount 0.10% $25,000 and up 0.15% $50,000 and up 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Doorway to membership requirement; deposit and maintain at least $5.00. Minimum balance to earn dividends is $100. Dividends calculated on daily balance and paid monthly. Enhanced Loyalty Rewards program may increase rates.
Offer: Minimum balance to earn dividends is $100; $5 minimum to open and maintain account membership.
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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