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 31–45 results in New York
- 3.50%APY$350 a year on $10,000
Requirements
Product: Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only. Earns tiered variable APYs; minimum balance required to obtain the promoted rate.
Offer: Earns tiered variable APYs. Minimum balance required to obtain the promoted rate. Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only.
3.45% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000intro rate
Requirements
Product: No minimums. No lock-up. Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only.
Offer: No minimums. No lock-up. Applies to US Citizens and Resident Aliens depositing new funds into consumer accounts only.
Promotional rate · 3.45% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Requires an aggregate average balance of $1 million or more at an average APY of 2.50% or less across all deposit balances at Patriot Bank, N.A.
Offer: Requires an aggregate average balance of $1 million or more at an average APY of 2.50% or less across all deposit balances at Patriot Bank, N.A.
Qualified rate · 3.39% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000
Requirements
Product: Variable rate savings account. No minimum balance to open or earn APY. $10 monthly fee if receiving paper statements; no monthly fee when enrolled in eStatements.
Offer: Earns on all balances. $10 monthly fee if receiving paper statements; waived with eStatements.
3.45% interest rate · $10 monthly fee · Effective Aug 13, 2026
Rate checked
More details - BankUnitedPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Bank · 4 branches
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Available to new clients who have never held an account with BankUnited, N.A., or existing clients who deposit new funds not currently on deposit with BankUnited. Monthly maintenance fee waived when minimum daily balance is maintained. After the 6-month promotional period, converts to standard Money Market account at the then-current variable APY.
Offer: Promotional APY applies for the first 6 months on all balances. Monthly maintenance fee waived when required minimum daily balance is maintained. After 6 months, converts to variable rate. Available to new clients or existing clients depositing new funds.
Promotional rate · Effective Jul 14, 2026
Rate checked
More details - 3.40%APY$340 a year on $10,000
Requirements
Product: True variable rate; dividends calculated and compounded daily, credited monthly on the last calendar day of each month. Minimum balance of $500 is required to earn dividends. No monthly maintenance fees or withdrawal fees.
Offer: $500.00 minimum balance required to earn dividends. Rate may change daily. Term DD/DW.
3.34% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - MOOG Employees FCUPlatinum Money Market SharesPlatinum Money Market Shares · $10,000 min
Credit union · 1 branch
3.40%APY$340 a year on $10,000Requirements
Product: Funds on deposit in the Platinum Money Market account cannot be used as collateral for Share Secured Loans. Rates on variable rate accounts could change after account opening.
Offer: Minimum balance to open account is $10,000.00. Minimum balance of $10,000.00 required to earn dividends. Deposit not to exceed $500,000.00.
3.40% interest rate · Balance cap $500,000 · Effective Sep 30, 2026
Rate checked
More details - Greater Chautauqua Federal Credit UnionLucky Savers AccountSavings · $25 min
Credit union · 4 branches
3.39%APY$339 a year on $10,000Requirements
Product: Must be 18 years of age or older. Business and Trust accounts are not eligible. $25 must be kept in the account to keep it open. 1 withdrawal in a 12-month period with a $25 withdrawal fee; a 2nd withdrawal closes the account and cannot be reopened for 6 months. Maximum opening deposit is $10,000, subsequent deposits allowed up to $500 per month.
Offer: Every $25 saved earns a chance to win cash prizes (up to 10 chances per month).
3.35% interest rate · No monthly fee · Effective Jun 25, 2026
Rate checked
More details - Ridgewood Savings BankSmart Move Online Savings AccountSavings · $0 min · 0.25%–3.35% by balance
Bank · 37 branches
3.35%APY$335 a year on $10,000Requirements
Product: Online-only savings account allows 24/7 access. No monthly fees. Fees charged on some accounts may reduce earnings. Rates and terms are subject to change without notice.
3.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Smart Move Online Savings Account Balance APY Up to $250,000Your amount 3.35% $250,000 and up 0.25% Rate checked
More details - NY Bravest Federal Credit UnionGeneral Alarm High-Yield SavingsSavings · 1.01%–3.30% by balance
Credit union · 2 branches
3.30%APY$330 a year on $10,000intro rateRequirements
Product: Applies to 'New Money' only (funds not currently on deposit with NY Bravest FCU, deposited/transferred within 7 days of initial deposit). Maximum deposit allowed is $50,000. Online, recurring, and automatic transfers not available; transfers must be handled directly through credit union staff. Funds not used for overdraft/NSF protection. Dividends calculated using average daily balance method.
Offer: Applies to balances under $5,000.
Promotional rate · 1.00% interest rate
Rate by balance
Rate by balance for General Alarm High-Yield Savings Balance APY Any balance 1.01% $5,000 – $50,000Your amount 3.30% Rate checked
More details - 3.25%APY$325 a year on $10,000
Requirements
Product: Must be a Brooklyn Coop member before opening. Unique savings option combining features of traditional savings and certificate account; funds can be added at any time. Dividends payable monthly. Savings locked from January 1 – May 31 and from July 1 – November 30 (withdrawals allowed in December and June; withdrawal penalty applies in other months). Deposits can be made electronically, but withdrawals only in person or by messaging online.
Offer: Dividends payable monthly. Savings locked from January 1 – May 31 and from July 1 – November 30; withdrawal penalty applies in other months.
Rate by balance
Rate by balance for High Yield Savings Account Balance APY Up to $100,000Your amount 3.25% $100,000 and upSavings more than $100,000 earn 2% APY. 2.00% Rate checked
More details - Affinity Federal Credit UnionPerformance SavingsSavings · $5 min · 0.50%–3.25% by balance
Credit union · 3 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Only available to members with a Cash Back Plus or High-Yield Checking account. Limit one per membership. To earn maximum stated rate during each Monthly Qualification Cycle (MQC), must complete at least 12 PIN or signature debit card purchases, receive at least one Direct Deposit or ACH deposit of $250+, and be enrolled in electronic statements. If qualifications are not met, 0.05% APY applies to all balances. $2 paper statement fee waived if enrolled in eStatements.
Offer: Requires qualifying checking account and meeting MQC requirements (12 debit transactions, direct deposit/ACH of $250+, eStatements enrollment). $2 monthly paper statement fee waived with eStatements.
Qualified rate · 3.20% interest rate · $2 monthly fee · Effective Mar 21, 2025
Rate by balance
Rate by balance for Performance Savings Balance APY Up to $250,000Your amount 3.25% Over $250,000Blended APY ranges from 3.25% to 1.88%. 0.50% Rate checked
More details - 3.25%APY$325 a year on $10,000with conditions
Requirements
Product: Only available when linked to a Max Cash Checking or Max Cash Back Checking account. Automatic crediting of Max Cash or Max Cash Back earnings. Enrollment in electronic services (online banking, e-statements) and log-ons required. Limit of one Max checking account per Social Security Number. Variable rate.
Offer: When Max Cash or Max Cash Back qualifications are met.
Qualified rate · No monthly fee · Effective Feb 16, 2026
Rate by balance
Rate by balance for Max Saver Savings Balance APY Up to $100,000Your amount 3.25% $100,000 and up 0.20% Rate checked
More details - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Requires having a Beacon Bank checking account with an ownership relationship. Variable premium interest rate. Fees may reduce earnings.
Offer: Variable premium interest rate subject to change without notice. Requires an ownership relationship on a Beacon Bank checking account.
Qualified rate · Effective Sep 18, 2026
Rate checked
More details - International Bank of ChicagoMoney Market AccountMoney Market Account · $2,500 min · 2.20%–4.00% by balance
Bank · 1 branch
3.20%APY$320 a year on $10,000intro rateRequirements
Product: Opening balance $2,500. Monthly maintenance fee $15, waived with $2,500 minimum balance.
Offer: Monthly maintenance fee $15 waived with $2,500 minimum balance. Interest credited monthly.
Promotional rate · 2.18% interest rate · $15 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $10,000 2.20% $10,000 – $99,999Your amountPromotional rate for customers opening new accounts at branches in Illinois. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 3.20% $100,000 – $249,999Promotional rate for customers opening new accounts at branches in Illinois. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 3.70% $250,000 and upPromotional rate for customers opening new accounts at branches in Illinois. Rate guaranteed through 06/30/2027. No interest earned and a fee of $15.00 imposed if balance falls below $2,500. 4.00% 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