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 331–345 results in New York
- 0.25%APY$25 a year on $10,000
Requirements
Product: $5.00 monthly maintenance service charge if daily balance falls below $300.00 during a statement cycle. Maximum 6 covered transactions per statement cycle.
0.25% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: $5.00 monthly maintenance service charge if daily balance falls below $500.00 during a statement cycle. Transfers by preauthorized, automatic, or computer order are not permitted.
0.25% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$25 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: One-Star Award: Maintain a Power Checking Account.
Qualified rate · 0.25% interest rate · No monthly fee · Effective Apr 15, 2026
Rate checked
More details - Pathfinder BankPersonal Money Market Deposit AccountPersonal Money Market Deposit Account · $2,500 min · 0.20%–0.35% by balance
Bank · 12 branches
0.25%APY$25 a year on $10,000Requirements
Product: Must deposit $2,500 to open account and accrue interest. Monthly maintenance fee of $10 applies if minimum daily balance falls below $2,500 any day during the month.
Offer: $10 monthly maintenance fee waived if minimum daily balance remains at or above $2,500 every day during the month.
0.20% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personal Money Market Deposit Account Balance APY $2,500 – $9,999 0.20% $10,000 – $49,999Your amount 0.25% $50,000 – $74,999 0.30% $75,000 and up 0.35% Rate checked
More details - Genesee Regional BankMoney MarketMoney Market · $2,500 min · 0.25%–1.00% by balance
Bank · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: $2,500 minimum to open a regular Money Market account. Limited withdrawals and transfers each month.
0.25% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.25% $25,000 – $50,000 0.40% $50,000 – $100,000 0.45% $100,000 – $5,000,000 0.55% $5,000,000 and up 1.00% Rate checked
More details - Justice Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.25%–0.45% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,0000.25% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $100,000 0.35% $100,000 and up 0.45% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Avoid $12 monthly maintenance fee with average daily balance of at least $2,000.
Offer: Tier: Less than $25,000. Avoid $12 monthly maintenance fee with average daily balance of at least $2,000.
0.25% interest rate · $12 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.25% $25,000 – $50,000 0.25% $50,000 – $100,000 1.00% $100,000 – $250,000 2.00% $250,000 – $500,000 2.50% $500,000 and up 3.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary Savings maintains the $25 share required for membership.
Offer: As a condition of membership, 1 share with par value $25.00 must be purchased and maintained.
0.25% interest rate · Effective Oct 3, 2026
Rate checked
More details - Cooperative Federal Credit UnionShare AccountsSavings · $1 min · 0.10%–2.02% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Interest paid monthly on your savings, day of deposit of withdrawal, minimum balance $25.00.
Offer: Current quarter rate
0.10% interest rate
Rate by balance
Rate by balance for Share Accounts Balance APY Up to $10,000 0.10%* $10,000 – $50,000Your amount 0.25%* $50,000 and up 2.02%* Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Eligibility for membership in the credit union required. Dividend rate and APY are set quarterly and may change at any time. Limit of 6 transfers/withdrawals per statement period, with at most 3 by check/draft/debit card. Monthly statements provided with a checking account and/or EFT transactions, otherwise quarterly. $25 minimum deposit for an individual account, $50 for a joint account.
Offer: Dividends earned on balances of $100.00 or more. Rate set quarterly.
$2 monthly fee · Effective Jan 1, 2024
Rate checked
More details - NY TEAM Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.25%–0.70% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Must maintain a minimum balance of $2,500 to earn dividends and avoid a $10.00 monthly service charge/low balance fee. When the balance is below $2,500, no dividends are paid. Three free withdrawals per month limit. Subject to membership eligibility.
Offer: No monthly service charge if minimum balance of $2,500 is met; $10.00 monthly fee if balance falls below $2,500.
0.25% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 0.25% $25,000 – $100,000 0.50% $100,000 and up 0.70% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary account for all members representing ownership in the Credit Union. Dividends are paid quarterly based on the average daily balance.
Offer: Must maintain a minimum balance of $5.00 to remain active. Accounts require a minimum average daily balance of $100.00 to earn dividends/APY. A $5.00 monthly fee applies for no activity on balances under $100.00.
0.25% interest rate
Rate checked
More details - Affinity One Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.13%–0.25% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Minimum opening deposit of $1,000. Transfer money up to 6 times per month. Proof of membership eligibility, two forms of valid ID, and opening deposit required; applications completed in person at a branch.
Offer: Minimum deposit of $1,000.
0.13% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.13%* $1,000 – $10,000 0.15%* $10,000 – $25,000Your amount 0.25%* $25,000 and up 0.25%* Rate checked
More details - NextStep Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,000 min · 0.20%–0.50% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Maintaining an average monthly balance of $2,000 and limiting withdrawals to 6 or less a month. Interest will not be earned on balances that fall below the minimum $2,000.00. Maximum six (6) withdrawals or transfers per statement month.
0.20% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,000 – $10,000 0.20% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.30% $50,000 – $150,000 0.40% $150,000 and up 0.50% 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
719 accounts at 293 banks and credit unions · checked Oct 22–23
- Typical
- 0.20%
- Top 10% from
- 2.71%
- 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
- Quorum Federal Credit UnionCredit union · 1 branch
- Utica Gas & Electric Federal Credit UnionCredit union · 1 branch
- Salt City Federal Credit UnionCredit union · 2 branches