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 91–105 results in New York
- American Airlines Federal Credit UnionPrimary Savings AccountSavings · $6 min
Credit union · 4 branches
2.02%APY$202 a year on $10,000intro rateRequirements
Product: One-time $1.00 membership fee. Dividends compounded and credited monthly. Minimum daily balance of $5.00 to earn dividends.
Offer: Minimum daily balance to earn dividends is $5.00. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: No minimum balance. No monthly service fees. Ability to set up recurring monthly deposit or deposit on your own. Dividends compounded and credited monthly.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: Dividends compounded and credited monthly. No minimum balance required.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Kaleida Health Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.50%–2.50% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000Requirements
Product: Rates reflect what was paid last quarter.
1.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 1.50% $10,000 – $25,000Your amount 2.00% $25,000 and up 2.50% Rate checked
More details - ConnectOne BankConnect Money MarketConnect Money Market · $1,000 min · 2.00%–2.10% by balance
Bank · 42 branches
2.00%APY$200 a year on $10,000Requirements
Product: Avoid the $10 monthly minimum balance fee by maintaining an average daily balance of $5,000 or more.
Offer: Avoid $10 monthly fee with $5,000+ average daily balance.
1.98% interest rate · $10 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Connect Money Market Balance APY Up to $25,000Your amount 2.00% $25,000 and up 2.10% Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Tiered and variable rate. $100 average daily balance requirement to avoid monthly Minimum Balance Fee of $3.00.
Offer: $100 average daily balance avoids $3.00 monthly fee.
1.98% interest rate · $3 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Super Savings Balance APY $10,000 – $100,000Your amount 2.00% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% Over $500,000 2.75% Rate checked
More details - Cornerstone Community Federal Credit UnionCommunity SavingsSavings · $1,000 min
Credit union · 7 branches
2.00%APY$200 a year on $10,000Requirements
Offer: Minimum average daily balance of $1,000.00 to earn APY.
1.98% interest rate · Effective Jun 30, 2026
Rate checked
More details - Sawyer Savings BankHigh Yield SavingsSavings · $10,000 min · 0.00%–2.50% by balance
Bank · 4 branches
2.00%APY$200 a year on $10,000Requirements
Product: Must be opened with a minimum of $10,000 in new funds not already on deposit with Sawyer Savings Bank. Variable interest rate subject to change at any time without notice. Minimum daily balance of $100.00 to avoid monthly maintenance fee of $2.00.
Offer: Monthly fee of $2 waived with daily balance of $100 or more.
$2 monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $500 0.00% $500 – $50,000Your amount 2.00% $50,000 and up 2.50% Rate checked
More details - Dannemora Federal Credit UnionFree Kasasa SaverSavings · $5 min · 0.75%–2.00% by balance
Credit union · 5 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Must have a linked Kasasa Cash or Kasasa Cash Back account; DFCU Savings required to become a member; limit 1 account per member.
Offer: Qualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle (at least 15 debit card purchases, enrolled in eStatements, log into Online Banking).
Qualified rate · 1.98% interest rate · No monthly fee · Effective Sep 19, 2025
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $50,000Your amount 2.00% $50,000 and upQualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle; 0.75% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires a linked High Interest Checking or Cash Back Checking account. Limit one Premier Savings account per linked checking account. No monthly maintenance fee. Available to consumers residing in New York State.
Offer: Base rate applied to all account balances when monthly qualifying criteria on linked High Interest Checking or Cash Back Checking account are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 21, 2024
Rate by balance
Rate by balance for Premier Savings Balance APY Any balance 0.05% Up to $100,000Your amountEarns 2.00% APY when linked High Interest Checking or Cash Back Checking qualifications are met (at least 15 debit card transactions of $1+, at least 1 direct deposit or ACH payment, and eStatement enrollment per Monthly Qualification Cycle). 2.00% Over $100,000When monthly qualifications on linked High Interest Checking or Cash Back Checking are met; 0.50%* Rate checked
More details - Parks Heritage Federal Credit UnionMoney MarketMoney Market · $500 min · 0.05%–2.40% by balance
Credit union · 1 branch
1.90%APY$190 a year on $10,000Requirements
Product: Membership eligibility required (open to those who live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, and Warren counties in NY, or immediate family). A $5 deposit into a Share Savings Account is required for membership. Up to four penalty-free withdrawals per month; fees may apply if monthly withdrawal limit is exceeded. Dividends are compounded and paid monthly.
Offer: Tier 1
Rate by balance
Rate by balance for Money Market Balance APY $500 and up 0.05% $2,500 and upYour amountTier 2 1.90% $50,000 and upTier 3 2.15% $150,000 and upTier 4 2.40% Rate checked
More details - 1.80%APY$180 a year on $10,000
Requirements
Product: Available exclusively to residents of CA, NJ, NY, TX, NV, WA, and AZ. Must be opened online to receive APY. No monthly maintenance fee. Maximum 6 withdrawals/transfers per calendar month ($10 fee per excess transaction).
Offer: Online opening required to receive stated APY.
1.78% interest rate · No monthly fee · Effective Sep 9, 2025
Rate by balance
Rate by balance for Online Personal Savings Balance APY Up to $50,000Your amount 1.80% $50,000 and up 3.30% Rate checked
More details - SUMA Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.77%–2.69% by balance
Credit union · 2 branches
1.77%APY$177 a year on $10,0001.75% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $99,999Your amount 1.77% $100,000 – $249,999 2.28% $250,000 and up 2.69% Rate checked
More details - CCSE Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 1.76%–2.27% by balance
Credit union · 1 branch
1.76%APY$176 a year on $10,000Requirements
Product: Maximum 4 withdrawals per month.
1.75% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $25,000Your amount 1.76% $25,000 – $75,000 2.02% Over $75,000 2.27% Rate checked
More details - Greater Chautauqua Federal Credit UnionMoney Market AccountMoney Market Account · $25 min · 0.00%–2.12% by balance
Credit union · 4 branches
1.76%APY$176 a year on $10,000Requirements
Product: Dividends are calculated and paid monthly on average daily balance. Variable rate subject to change after opening. $25 minimum opening deposit.
0.00% interest rate · Effective Jun 25, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $10,000Your amount 1.76% $10,000 – $25,000 1.92% Over $25,000 2.12% 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
716 accounts at 293 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.68%
- 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