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 226–240 results in New York
- 0.50%APY$50 a year on $10,000
Requirements
Product: Minimum Opening Deposit is $5.00. Earn dividends from day of deposit to day of withdrawal. Dividends are posted quarterly.
Offer: Minimum balance to earn APY/interest is $100. Dividends paid quarterly.
0.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Membership starts with a savings account. Only $5 required to open and maintain the account. Dividends are paid quarterly. 24/7 access with a Visa Debit card.
Offer: Accurate as of the last dividend declaration date. Dividends paid quarterly.
0.50% interest rate
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: $2,500.00 minimum balance required to open a Money Market Account. If the balance falls below $2,500.00, a lesser interest rate will be paid than the prevailing interest rate with a balance of $2,500.00 or more.
Offer: The minimum balance shown is required to achieve the stated Annual Percentage Yield. If the balance falls below $2,500.00, a lesser interest rate will be paid than the prevailing interest rate with a balance of $2,500.00 or more.
0.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Passbook must be present for in-branch transactions; mobile banking functionality limited to view only.
Offer: Minimum balance of $100.00 required to achieve stated APY.
0.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Unlimited deposits and withdrawals. Must possess a valid Social Security number to use mobile banking or view account. Daily balance method used to calculate interest.
Offer: Minimum balance of $100.00 required to achieve stated APY.
0.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Can only transfer in online; mobile banking limited to view only. All withdrawals must be in person with a valid ID present. Electronic statements opt-in required.
Offer: Minimum balance of $100.00 required to achieve stated APY.
0.49% interest rate · Effective Apr 30, 2025
Rate checked
More details - Sawyer Savings BankPreferred Money MarketPreferred Money Market · $1,000 min · 0.25%–2.75% by balance
Bank · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Must be at least 18 years old to open. Limited to 6 withdrawals per month. An opening deposit of $1,000 is required to avoid a monthly service charge of $20.
Offer: Minimum requirement to earn APY is $1,000. Opening deposit of $1,000 avoids $20 monthly service charge.
$20 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Preferred Money Market Balance APY Up to $9,999 0.25% $10,000 – $24,999Your amountMinimum requirement to earn APY is $10,000. 0.50% $25,000 – $49,999Minimum requirement to earn APY is $25,000. 1.00% $50,000 – $99,999Minimum requirement to earn APY is $50,000. 1.75% $100,000 – $249,999Minimum requirement to earn APY is $100,000. 2.00% $250,000 – $499,999Minimum requirement to earn APY is $250,000. 2.25% $500,000 – $999,999Minimum requirement to earn APY is $500,000. 2.50% $1,000,000 and upMinimum requirement to earn APY is $1,000,000. 2.75% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Only available with a linked Star Banking (checking) account with combined statements and an aggregate minimum balance of $15,000 between Star Banking and any other non-checking deposit product. Maximum deposit of $500,000 per household. Converted to a standard Savings account if the linked checking account is closed. 90-day promotional rate requires new money (not on deposit within last 180 days), monthly payroll/government direct deposit, and at least one online bill payment per month through Star Banking.
Offer: Tier for balances less than $100,000. Promotional 90-day rate requires new money, direct deposit, and monthly online bill payment.
Qualified rate · 0.49% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Star Savings Balance APY Up to $100,000Your amount 0.50% $100,000 and up 1.50% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Tiered rates compound monthly. Some rates are not available in Puerto Rico.
Offer: Balances below $2,500. Some rates are not available in Puerto Rico.
0.30% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.30% $2,500 – $24,999Your amount 0.50% $25,000 – $49,999 0.85% $50,000 – $99,999 1.00% $100,000 and up 1.25% Rate checked
More details - Teachers Federal Credit UnionTiered Money MarketTiered Money Market · $2,500 min · 0.50%–1.00% by balance
Credit union · 31 branches
0.50%APY$50 a year on $10,000Requirements
Product: Membership at Teachers is required by opening a Regular Savings or Youth Savings account with a minimum deposit of $1.00. Minimum balance of $2,500.00 required to earn current APY. $5 monthly charge assessed if account remains under $500. Dividends are compounded daily and paid monthly.
0.50% interest rate · Compounded daily · Effective Aug 28, 2025
Rate by balance
Rate by balance for Tiered Money Market Balance APY $2,500 – $25,000Your amount 0.50% $25,000 – $50,000 0.55% $50,000 – $100,000 0.70% $100,000 – $250,000 0.90% $250,000 – $500,000 1.00% $500,000 and up 1.00% Rate checked
More details - Westchester Schools FCURegular SharesSavings · $50 min · 0.50%–2.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Dividends Paid on Average Daily Balance
Offer: Dividends Paid on Average Daily Balance, on balances over $50
Rate by balance
Rate by balance for Regular Shares Balance APY Over $50Your amount 0.50% $100,000 – $199,999 0.75% $200,000 – $249,999Daily balance over $50 1.00% $250,000 – $349,000 1.50% $350,000 and up 2.00% Rate checked
More details - Eastern Operating Engineers Federal Credit UnionPrimary SavingsSavings · $100 min
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Become a member-owner of Eastern Operating Engineers FCU by opening a Primary Savings Account and maintaining a minimum balance of $100. Rate is variable and may change after account opening. A $10.00 monthly fee applies if balance falls below $100.
Offer: Fee of $10.00 per month applies if balance is below $100. Rates are variable and may change after account opening.
$10 monthly fee · Effective Jan 15, 2025
Rate checked
More details - Alternatives Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.25%–0.85% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Membership requires a one-time $2 fee to enroll in the Alternatives Fund of Ithaca, Inc. and a $5 deposit into a savings account. Field of membership includes specific NY counties.
0.25% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $2,500 0.25% $2,500 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.70% $100,000 and up 0.85% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Includes existing Passbook Savings accounts.
Offer: Monthly fee of $5 waived with average daily collected balance of $300.
0.10% interest rate · $5 monthly fee · Effective Nov 13, 2025
Rate by balance
Rate by balance for Statement Savings Balance APY $300 – $9,999 0.10% $10,000 – $99,999Your amount 0.50% $100,000 – $2,999,999 0.60% $3,000,000 and up 0.60% Rate checked
More details - Lower East Side People's FCUMoney Market AccountMoney Market Account · $1,000 min
Credit union · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Dividends compounded daily. Variable interest rate. Limit to six withdrawals per month, $15.00 penalty after.
Offer: No monthly fee if the Min balance ($1,000.00) is maintained; otherwise $10.00. Average daily balance required to earn interest is $1,000.00.
Compounded daily · $10 monthly fee
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
717 accounts at 293 banks and credit unions · checked Oct 16–23
- Typical
- 0.20%
- Top 10% from
- 2.72%
- 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