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 436–450 results in New York
- 0.10%APY$10 a year on $10,000
Requirements
Product: No monthly fees. No minimum balance required.
Offer: Minimum to earn Dividend is $0. Minimum to open is $0. Fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Open with a $5 minimum deposit to establish XCEL membership. Earn dividends on balances over $50. No monthly fees. No minimum balance required.
Offer: Minimum to earn Dividend is $50. Minimum to open is $5. Fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone. Paperless customer requirement: must agree to electronic delivery of disclosures/communications and maintain a valid email address.
Offer: Variable standard rate for daily collected balance range $0.01 - $9,999.99. No minimum balance required to obtain disclosed APY.
0.10% interest rate · Effective May 20, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - Flagstar BankFlagstar Performance SavingsSavings · $1 min · 0.10%–3.20% by balance
Bank · 107 branches
0.10%APY$10 a year on $10,000Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends are paid quarterly. The rate is determined by earnings for that period, based on loan volume as well as economic conditions.
Offer: Dividends are paid quarterly.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Sub-Accounts 091-092. Accounts below the minimum balance of $500.00 are subject to a $5.00 per month maintenance fee. Limit of 6 withdrawals drawn against the Money Market account each month; minimum withdrawal is $500. Dividends are compounded daily and credited monthly.
Offer: Daily balance equal to or above $500.00 earns stated rate. Accounts below the $500.00 minimum balance are subject to a $5.00 per month maintenance fee.
0.10% interest rate · Compounded daily · $5 monthly fee
Rate checked
More details - Family First Federal Credit UnionMoneyBuilderSavings · $1,500 min · 0.05%–0.15% by balance
Credit union · 5 branches
0.10%APY$10 a year on $10,000Requirements
Product: Tiered interest rate savings account. Variable rate account where dividend rate and APY may change weekly. Dividends compounded daily and credited monthly on ledger balance. No minimum opening balance, but balances below Tier 1 ($1,500) do not earn dividends. Maximum of 6 preauthorized/automatic transfers per statement period.
Offer: Tier 1: Balance of $1,500 to $9,999 required to earn dividend.
Compounded daily
Rate by balance
Rate by balance for MoneyBuilder Balance APY $1,500 – $9,999 0.05% $10,000 – $49,999Your amount 0.10% $50,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Visit local branch to open.
Offer: Variable rate account.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: A minimum balance of $5.00 is required in Regular Account to be considered a member. $1.00 service charge to open an account ($2.00 for joint accounts). 12 free withdrawals per calendar year, then $2.00 service charge per additional withdrawal (waived for members with loans in good standing and/or balance of $1,500 or more). Minimum withdrawal is $25.00.
Effective Sep 30, 2026
Rate by balance
Rate by balance for Regular Shares Balance APY Up to $250 0.00% $250 – $10,000Your amount 0.10% $10,001 and up 0.12% Rate checked
More details - The Berkshire BankMoney Market CheckingMoney Market Checking · $2,500 min · 0.10%–0.20% by balance
Bank · 7 branches
0.10%APY$10 a year on $10,000Requirements
Product: Limited check writing privileges, imaged statements, and competitive pricing.
Offer: Average daily collected balance of $2,500 avoids $10 monthly fee.
0.10% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Checking Balance APY $2,500 – $24,999Your amount 0.10% $25,000 – $49,999 0.15% $50,000 – $99,999 0.15% $100,000 – $999,999 0.20% $1,000,000 and up 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Avoid the $4 monthly maintenance fee by maintaining a $400 minimum average balance, signing up for free eStatements, or being under the age of 18 with an authorized account custodian.
Offer: Minimum daily balance to obtain APY is $0.01.
0.10% interest rate · $4 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Establishes membership and represents ownership in GVFCU.
No monthly fee · Effective Oct 16, 2026
Rate checked
More details - Northwest BankAffinity Money MarketAffinity Money Market · $25 min · 0.05%–0.20% by balance
Bank · 28 branches
0.10%APY$10 a year on $10,000Requirements
Product: Monthly service charge of $10 can be avoided with an Affinity Checking or $2,500 average daily balance. Designed to work alongside your checking account. Variable rate account; rates valid only for accounts opened online.
Offer: You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Checking or $2,500 average daily balance.
$10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Money Market Balance APY Up to $5,000 0.05% $5,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.20% $250,000 – $5,000,000 0.20% $5,000,000 and up 0.20% 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
719 accounts at 293 banks and credit unions · checked Oct 22–24
- Typical
- 0.20%
- Top 10% from
- 2.71%
- 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
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch
- Ontario Shores FCUCredit union · 5 branches