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 121–135 results in New York
- 1.50%APY$150 a year on $10,000
Requirements
Product: Open to all Kenmore Town of Tonawanda Union Free School District employees and their immediate family members.
Offer: APYE is 1.52%. No monthly maintenance fee.
No monthly fee · Effective Dec 31, 2024
Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: Requires minimum deposit of $2,500.
Offer: Balance tier: $2,500.00 to $24,999.99
1.50% interest rate · Effective Jun 24, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.50% $25,000 and up 2.00% Rate checked
More details - CrossRoads Community Federal Credit UnionMoney Market Share Savings AccountMoney Market Share Savings Account · $2,500 min · 1.35%–1.55% by balance
Credit union · 1 branch
1.45%APY$145 a year on $10,000Requirements
Product: Dividends will be compounded and credited quarterly. Fees may reduce earnings, and rates may change after account is open.
Offer: Minimum average daily balance to earn APY is $2,500.
1.35% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Share Savings Account Balance APY $2,500 – $10,000 1.35% $10,000 – $50,000Your amount 1.45% $50,000 and up 1.55% Rate checked
More details - Oswego Teachers Employees Federal Credit UnionHigh Yield SavingsSavings · $2,500 min · 0.25%–3.14% by balance
Credit union · 1 branch
1.41%APY$141 a year on $10,000Requirements
Product: Day-of-deposit, day-of-withdrawal account. Minimum deposit is $2,500.00.
0.25% interest rate
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 0.25% $2,500 – $10,000 1.31% $10,000 – $25,000Your amount 1.41% $25,000 – $50,000 1.61% $50,000 – $100,000 2.63% $100,000 – $200,000 2.73% $200,000 – $1,000,000 3.04% Over $1,000,000 3.14% Rate checked
More details - Centra Credit UnionHigh Interest Money Market SavingsHigh Interest Money Market Savings · $0 min · 1.35%–3.35% by balance
Credit union · 1 branch
1.35%APY$135 a year on $10,000Requirements
Product: Deposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates. Unlimited withdrawals.
1.34% interest rate · No monthly fee · Effective Aug 11, 2026
Rate by balance
Rate by balance for High Interest Money Market Savings Balance APY Up to $24,999Your amount 1.35% $25,000 – $49,999 1.40% $50,000 – $249,999 1.45% $250,000 – $499,999 1.60% $500,000 – $999,999 2.10% $1,000,000 – $2,999,999 3.20% $3,000,000 and up 3.35% Rate checked
More details - Heritage Family Credit UnionMoney Market Share AccountMoney Market Share Account · $1,000 min · 1.30%–2.00% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Must purchase and maintain 1 share ($25.00 par value) for credit union membership. Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Dividends calculated using the daily balance method. Cash withdrawals may be limited to $2,000.00 per day. No monthly service charge. Member must maintain a minimum balance of $1,000 each day to obtain the disclosed APY; if balance falls below $1,000, the account will not earn dividends that day.
1.30% interest rate · No monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Share Account Balance APY $1,000 – $20,000Your amount 1.30% $20,000 – $35,000 1.55% $35,000 – $50,000 1.70% $50,000 and up 2.00% Rate checked
More details - Self Reliance Financial Federal Credit UnionMoney MarketMoney Market · $1,000 min
Credit union · 5 branches
1.30%APY$130 a year on $10,000Requirements
Product: Membership required. Variable rate. Dividends compounded daily and credited monthly. If the account balance falls below the minimum balance requirement ($1,000), the advertised APY will not be earned. No monthly maintenance fee.
Offer: A minimum balance of $1,000 is required to open and earn the advertised APY. Dividends compounded daily and credited monthly. Rates variable.
1.30% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Self Reliance Financial Federal Credit UnionPremium Money MarketPremium Money Market · $5,000 min
Credit union · 5 branches
1.30%APY$130 a year on $10,000Requirements
Product: Membership required. Variable rate. Dividends compounded daily and credited monthly. A minimum balance of $5,000 is required to open a Premium Money Market Account and earn the applicable advertised APY; if balance falls below the requirement, advertised APY is not earned.
Offer: Table lists minimum balance of $1,000; disclosure specifies $5,000 minimum balance required to open and earn advertised APY. Dividends compounded daily, credited monthly. Rates variable.
1.30% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - G.P.O. Federal Credit UnionMoney Market ShareMoney Market Share · $50 min · 0.05%–1.60% by balance
Credit union · 8 branches
1.30%APY$130 a year on $10,000Requirements
Product: Membership eligibility required. Variable rate, compounded and posted monthly. Dividends calculated using daily balance method. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate.
Offer: Variable rate. Minimum balance to earn stated APY is $50.01.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Share Balance APY Up to $2,000 0.05% $2,000 – $20,000Your amount 1.30% $20,000 – $50,000 1.40% $50,000 and up 1.60% Rate checked
More details - G.P.O. Federal Credit UnionMoney Market ShareMoney Market Share · $2,000 min · 1.30%–1.60% by balance
Credit union · 8 branches
1.30%APY$130 a year on $10,000Requirements
Product: Membership eligibility required. Variable rate, compounded and posted monthly. Dividends calculated using daily balance method. Account balances below $2,000 minimum earn 0.20% less than posted regular share rate.
Offer: Variable rate.
1.29% interest rate · No monthly fee · Effective Aug 3, 2026
Rate by balance
Rate by balance for Money Market Share Balance APY $2,000 – $20,000Your amount 1.30% $20,000 – $50,000 1.40% $50,000 and up 1.60% Rate checked
More details - First Federal MiddletownMoney Market Preferred AccountMoney Market Preferred Account · $1,000 min · 0.00%–1.51% by balance
Bank · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: New money not on deposit with First Federal Savings. Variable rate account. Monthly fee of $7 and no interest earned if balance falls below $1,000 at any time during the month. Regulation D transfer limits apply (max 6 per month).
Offer: Tier $.01 - $999.99. New money not on deposit with First Federal Savings. If balance falls below $1,000 at any time during the month, account is charged a $7 fee and will not earn interest.
0.00% interest rate · $7 monthly fee · Effective Jan 2, 2026
Rate by balance
Rate by balance for Money Market Preferred Account Balance APY Up to $1,000 0.00% $1,000 – $50,000Your amount 1.26% $50,000 and upMonthly fee of $7 waived when balance stays at or above $1,000. 1.51% Rate checked
More details - AmeriCU Credit UnionHigh Rate Money MarketHigh Rate Money Market · $0 min · 0.25%–3.00% by balance
Credit union · 23 branches
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. Insured by NCUA. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier.
Offer: Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
Qualified rate · 0.25% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for High Rate Money Market Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000 1.50% $50,000 – $100,000 2.00% $100,000 – $250,000 2.50% $250,000 – $1,000,000 2.75% $1,000,000 and up 3.00% Rate checked
More details - Popular BankPopular Saver Money Market AccountPopular Saver Money Market Account · $100 min · 0.05%–3.25% by balance
Bank · 20 branches
1.25%APY$125 a year on $10,000Requirements
Product: Minimum opening deposit is $100. Monthly service fee of $15 is assessed if the minimum daily balance falls below $10,000. Up to 6 transfers/withdrawals per statement cycle without a fee. Variable rates subject to change.
Offer: Initial deposit / balance of $0.01 - $9,999.99. Variable rate. Monthly fee of $15 applies if minimum daily balance is below $10,000.
0.05% interest rate · $15 monthly fee · Effective Dec 15, 2025
Rate by balance
Rate by balance for Popular Saver Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000Monthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.10% $50,000 – $250,000Monthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.10% $250,000 and upMonthly fee of $15 waived if minimum daily balance is at or above $10,000. 3.25% Rate checked
More details - Adirondack Federal Credit UnionHigh Yield SavingsSavings · 0.01%–1.25% by balance
Credit union · 3 branches
1.25%APY$125 a year on $10,000Requirements
Product: Adirondack Federal Credit Union must be primary financial institution. No fees associated with these accounts that could reduce earnings, and no penalties for early withdrawals.
Offer: Less than $2,500
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 0.01% $2,500 – $74,999Your amount$2,500 - $74,999 1.25% $75,000 – $149,999$75,000 - $149,999 0.40% $150,000 and up$150,000+ 0.25% Rate checked
More details - Adirondack Federal Credit UnionShare 15 Money MarketShare 15 Money Market · 0.01%–1.25% by balance
Credit union · 3 branches
1.25%APY$125 a year on $10,000Requirements
Product: Membership eligibility requires living, working, worshiping, or attending school in Essex, Franklin, St. Lawrence, or Clinton counties.
Offer: No fees that could reduce earnings; no penalties for early withdrawals.
0.01% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share 15 Money Market Balance APY Up to $2,500 0.01% $2,500 – $74,999Your amount 1.25% $75,000 – $149,999 0.40% $150,000 and up 0.25% 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