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 106–120 results in New York
- Ukrainian National Federal Credit UnionMarket Share AccountsMarket Share Accounts · $50 min · 0.01%–2.52% by balance
Credit union · 2 branches
1.76%APY$176 a year on $10,000Requirements
Product: Dividends are accrued daily and credited quarterly. A minimum balance of $2,500.00 is required at all times to earn Market Share dividends. $500 minimum withdrawal. 6 withdrawals/transfers per month with no fee; each additional withdrawal is subject to a $15 fee. Membership is restricted to members/employees of specified churches and organizations.
0.01% interest rate · Effective Aug 11, 2026
Rate by balance
Rate by balance for Market Share Accounts Balance APY Up to $2,500 0.01% $2,500 – $50,000Your amount 1.76% $50,000 – $149,999 2.02% $150,000 – $249,999 2.27% $250,000 and up 2.52% Rate checked
More details - Generations United Federal Credit UnionGenerations United Secure Savings AccountSavings · $5 min
Credit union · 1 branch
1.76%APY$176 a year on $10,000Requirements
Product: Must maintain a minimum balance of $5.00 to earn stated APY.
Offer: Must maintain a minimum balance of $5.00.
1.75% interest rate
Rate checked
More details - Generations United Federal Credit UnionGenerations United Secure Savings AccountSavings · $5 min
Credit union · 1 branch
1.76%APY$176 a year on $10,000Requirements
Product: Must maintain a minimum balance of $5.00 to earn stated APY.
Offer: Dividends compounded and credited monthly; minimum daily balance of $5.00 required to earn stated APY.
1.75% interest rate · Effective Oct 29, 2025
Rate checked
More details - Generations United Federal Credit UnionGenerations United Secure Savings AccountSavings · $5 min
Credit union · 1 branch
1.76%APY$176 a year on $10,000Requirements
Product: Must maintain a minimum balance of $5.00 to earn stated APY.
Offer: Dividends compounded and credited monthly; minimum daily balance of $5.00 required to earn stated APY.
1.75% interest rate · Effective Oct 29, 2025
Rate checked
More details - NEW MILLENNIUM BANKMoney Market AccountMoney Market Account · $1,000 min · 1.75%–2.50% by balance
Bank · 3 branches
1.75%APY$175 a year on $10,000Requirements
Product: $1000.00 Minimum to open and earn APY. If daily balance falls below $1,000 at any time during the statement cycle a $20.00 minimum balance fee will apply.
1.73% interest rate · $20 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 1.75% $100,000 – $250,000 2.00% $250,000 – $500,000Monthly fee of $20.00 applies if daily balance falls below $1,000 during statement cycle. 2.25% Over $500,000 2.50% Rate checked
More details - 1.75%APY$175 a year on $10,000
Requirements
Product: Below Par fee of $2.00 per month applies if the balance falls below the required $10.00 minimum.
Offer: Dividends compounded and credited monthly; calculated using average daily balance method. Minimum balance to avoid a $2.00 monthly service fee is $10.00.
1.75% interest rate · $2 monthly fee · Effective Jul 1, 2026
Rate checked
More details - State CS Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.65%–2.15% by balance
Credit union · 2 branches
1.65%APY$165 a year on $10,000Requirements
Product: No maintenance or below-balance fees. Open with as little as $500. Make unlimited deposits. Dividends are compounded and credited quarterly based on account's average daily balance and corresponding tier rate. Variable rate may change after opening.
Offer: Dividends compounded and credited quarterly based on average daily balance and corresponding tier rate. Rate is variable.
1.64% interest rate · No monthly fee · Effective Aug 27, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.65% $25,000 – $75,000 1.90% $75,000 and up 2.15% Rate checked
More details - Boulevard Federal Credit UnionMoney MarketMoney Market · $1,000 min · 1.65%–2.15% by balance
Credit union · 1 branch
1.65%APY$165 a year on $10,000Requirements
Product: Earn higher dividends on savings balances of $1,000 or more. Unlimited in person withdrawals with no penalty. Direct deposit available.
Offer: Tier 1 rate
Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $20,000Your amount 1.65% $20,000 – $75,000Tier 2 rate 1.90% $75,000 and upTier 3 rate 2.15% Rate checked
More details - 1.61%APY$161 a year on $10,000
Requirements
Product: Dividends compounded quarterly. Federally insured by NCUA.
Offer: Dividends compounded quarterly; no fees.
1.60% interest rate · Compounded quarterly · No monthly fee
Rate checked
More details - Wayne BankPremium Money Market Deposit AccountPremium Money Market Deposit Account · $2,500 min
Bank · 14 branches
1.51%APY$151 a year on $10,000with conditionsRequirements
Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at the time the Premium MMDA is opened.
Offer: Must maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at opening. Accounts with a daily balance of less than $2,500 are subject to a $10 monthly service fee.
Qualified rate · $10 monthly fee · Effective Oct 6, 2026
Rate checked
More details - 1.51%APY$151 a year on $10,000with conditions
Requirements
Product: Open through eBranch. Available to individual members (Business Accounts are not eligible). No minimum deposit or balance required. No monthly fee. Funds can be transferred to/from Power Checking (transfers to other accounts not permissible). Funds may not be used for overdraft protection. Accounts closed before end of month forgo interest. Member Service-assisted transactions incur a fee.
Offer: Three-Star Award: Meet requirements for preceding level (maintain Power Checking Account, use VISA Debit Card for at least 4 purchases/month) and sign up for eDocs.
Qualified rate · 1.50% interest rate · No monthly fee · Effective Apr 15, 2026
Rate checked
More details - Inner Lakes Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.26%–2.12% by balance
Credit union · 3 branches
1.51%APY$151 a year on $10,0001.25% interest rate · Effective Aug 19, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $5,000 1.26% $5,000 – $25,000Your amount 1.51% $25,000 – $50,000 1.92% $50,000 and up 2.12% Rate checked
More details - Ontario Shores FCUMoney MarketMoney Market · $5 min · 0.25%–2.02% by balance
Credit union · 5 branches
1.51%APY$151 a year on $10,000Requirements
Product: Membership subject to eligibility. Dividends are credited quarterly. Six pre-authorized, automatic, or telephone transfers allowed per month.
0.25% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.25% $2,500 – $9,999 1.00% $10,000 – $24,999Your amount 1.51% $25,000 and up 2.02% Rate checked
More details - NorthCountry Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 1.40%–2.75% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Membership requires living, working, attending school, or worshipping in eligible VT, NH, or NY counties, or immediate relative of existing member, with a $5 minimum balance maintained in a share (savings) account. Up to six electronic transfers out or check withdrawals per month, unlimited teller transactions.
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $9,999 1.40% $10,000 – $24,999Your amount 1.50% $25,000 – $49,999 1.55% $50,000 – $99,999 2.10% $100,000 – $249,999 2.35% $250,000 and up 2.75% Rate checked
More details - Apple BankApple Advantage Money Market AccountApple Advantage Money Market Account · $10,000 min
Bank · 75 branches
1.50%APY$150 a year on $10,000Requirements
Product: Available in branch.
1.48% interest rate · Effective Oct 1, 2026
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