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 241–255 results in New York
- Sunmark Credit UnionMoney Market AccountMoney Market Account · $500 min · 0.20%–1.25% by balance
Credit union · 16 branches
0.50%APY$50 a year on $10,0000.20% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $500 – $9,999 0.20% $10,000 – $24,999Your amount 0.50% $25,000 – $39,999 0.75% $40,000 – $99,999 1.00% $100,000 and up 1.25% Rate checked
More details - Buffalo Conrail Federal Credit UnionAdditional Savings AccountSavings · $0 min
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership eligibility requirements apply.
Offer: Average daily balances of $200 or more are paid quarterly.
0.50% interest rate
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Membership eligibility requirements apply. Requires an initial deposit of $25.00.
Offer: Average daily balances of $200 or more are paid quarterly.
0.50% interest rate
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Maintain a balance of at least $10. No monthly fees. Balances above $50 earn interest.
Offer: Balances of above $50 earn interest.
0.50% interest rate · No monthly fee · Effective Jul 1, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Requires a $50 minimum balance and a $5 minimum deposit. Open to NYS law enforcement personnel, retirees, and family members.
Offer: $5 minimum deposit and $50 minimum balance required.
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Requires a $50 minimum balance but no minimum deposit amount. Open to NYS law enforcement personnel, retirees, and family members.
Offer: No minimum opening deposit; $50 minimum balance required.
Rate checked
More details - Rhinebeck BankMoney Market AccountMoney Market Account · $1,000 min · 0.50%–2.00% by balance
Bank · 12 branches
0.50%APY$50 a year on $10,000Requirements
Product: Available only to New York State residents. $20 monthly maintenance fee is waived when maintaining a $10,000 minimum account balance as of the end of each business day in the statement cycle. Limited to six transfers or withdrawals per statement cycle.
Offer: $20 monthly fee waived with a $10,000 minimum daily account balance.
0.50% interest rate · $20 monthly fee · Effective Mar 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $100,000Your amount 0.50% $100,000 – $500,000 1.00% $500,000 – $1,000,000 1.00% $1,000,000 – $2,000,000 1.16% $2,000,000 – $5,000,000 1.51% $5,000,000 – $10,000,000 1.76% $10,000,000 and up 2.00% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Dividends are calculated on average daily balance and paid/compounded quarterly. Variable rate.
Offer: Compounded quarterly; dividends calculated based on average daily balance.
0.50% interest rate · Compounded quarterly · Effective Jun 30, 2026
Rate checked
More details - Plattsburgh City School District Federal Credit UnionShare SavingsSavings · $5 min
Credit union · 1 branch
0.45%APY$45 a year on $10,0000.50% interest rate
Rate checked
More details - Greylock Federal Credit UnionAdvantage Money MarketAdvantage Money Market · $15 min · 0.25%–0.95% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: Available to all members. Tiered rate account where specified dividend rate for a tier applies to the portion of the account balance within that tier. Dividends calculated daily and credited monthly.
Offer: Minimum balance to earn APY is $15.00.
0.25% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $2,500 0.25% $2,500 – $25,000Your amount 0.45% $25,000 – $50,000 0.75% $50,000 – $100,000 0.95% $100,000 – $200,000 0.95% $200,000 and up 0.95% Rate checked
More details - Rochester & Monroe County Employees Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.05%–0.60% by balance
Credit union · 2 branches
0.45%APY$45 a year on $10,000Requirements
Product: All new credit union members are required to open and fund a savings account. Membership open to employees of City of Rochester, County of Monroe, select towns/villages, and individuals who live, work, or worship in the City of Rochester. Variable interest rates; monthly dividends.
0.05% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.45% $25,000 – $50,000 0.55% $50,000 and upDeposits of $50,000 or more are required to obtain the highest rate. 0.60% Rate checked
More details - Utica District Telephone Employees Federal Credit UnionRegular SharesSavings · $50 min
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Dividends compounded and credited monthly. Calculated by average daily balance method. Transaction limitations: max 6 transfers/withdrawals per statement period (max 3 by check/draft/debit card).
Offer: Minimum to obtain APY is $50.00.
0.40% interest rate
Rate checked
More details - AmeriCU Credit UnionHigh Rate Money MarketHigh Rate Money Market · $10,000 min · 0.40%–1.00% by balance
Credit union · 23 branches
0.40%APY$40 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: Standard APY applied if premium qualification requirements are not met.
Qualified rate · 0.40% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for High Rate Money Market Balance APY $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 – $1,000,000 0.90% $1,000,000 and up 1.00% Rate checked
More details - AmeriCU Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.01%–1.00% by balance
Credit union · 23 branches
0.40%APY$40 a year on $10,000Requirements
Product: This variable rate savings option pays dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
0.01% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $500 0.01% $500 – $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 – $1,000,000 0.90% $1,000,000 and up 1.00% Rate checked
More details - Van Cortlandt Cooperative Federal Credit Union (VCCFCU)Burial AccountsSavings
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Burial accounts are considered shares so rates are the same as Regular Shares.
Offer: Burial accounts are considered shares so these rates are the same as Regular Shares.
0.40% interest rate · Effective Oct 5, 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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