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 631–645 results in New York
- 0.05%APY$5 a year on $10,000
Requirements
Product: Dividends are distributed to members on a quarterly basis. Dividend rate is set by the Board of Directors.
0.05% interest rate · Effective Jan 1, 2023
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Represents shared ownership of the credit union. No more than 6 preauthorized withdrawals or transfers per month. Rate can change after account is opened.
Offer: Minimum balance to earn dividends is $50 (based on average monthly balance). Dividends compounded and credited quarterly.
Effective Apr 2, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Required to establish membership ($5.00 deposit, original Social Security Card, and photo ID). Dividends are paid quarterly on the last day of March, June, September, and December.
Rate checked
More details - Tonawanda Valley Federal Credit UnionSecondary Savings 3, 5, 8Savings · $0 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Add up to 3 different savings accounts under the same member number to allocate funds for specific goals. Dividends paid quarterly on the last day of March, June, September, and December.
Rate checked
More details - Westar Federal Credit UnionPersonal Savings Accounts (Regular Shares)Savings · $5 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Must live, work, or worship in the towns of Baldwinsville, Camillus, Elbridge, Geddes, Jordan, Marcellus, Memphis, Onondaga Hill, Solvay, Van Buren, or Warners, New York. $5 minimum balance required to open and maintain primary savings account. Dividends are based on Credit Union earnings and cannot be guaranteed.
Offer: Requires $5.00 minimum balance.
No monthly fee · Effective Jul 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership restrictions apply. Dividends are based on Credit Union earnings and cannot be guaranteed.
Effective Jul 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership restrictions apply. Dividends are based on Credit Union earnings and cannot be guaranteed.
Offer: Requires $5.00 minimum balance.
Effective Jul 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership eligibility required (live, work, worship, or volunteer in Essex, Hamilton, Saratoga, Washington, or Warren counties in NY, or immediate family). A $5 deposit into a Share Savings Account is required for membership. Dividends compounded and paid monthly on the last day of each month.
Offer: No monthly service charge. No minimum balance service fee. Monthly dividends paid on balances of $500 or more.
No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership Daily Dividend Savings Account opened with ESL membership. Dividends paid quarterly. No monthly service or minimum balance fees.
Offer: Minimum balance to obtain APY is $1. Variable rate subject to change.
0.05% interest rate · No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Save for anything important; user sets the withdrawal date. Withdrawals made before the selected withdrawal date may result in account closure.
No monthly fee
Rate by balance
Rate by balance for Choice Savings Balance APY Up to $5 0.00% Up to $100 0.05% $100 – $500 0.05% $500 – $1,000 0.05% $1,000 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 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: Earned on the entire balance when qualifications are not met in Max Cash or Max Cash Back.
Qualified rate · No monthly fee · Effective Feb 16, 2026
Rate checked
More details - Heritage Financial Credit UnionHeritage High Yield SavingsSavings · $0 min
Credit union · 12 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Must be paired/linked with a Heritage High Yield Checking or Heritage Cash Back Checking account. Monthly Direct Deposit/ACH credit and enrollment in eStatements are conditions. Limit of one account per member (SSN). Non-commercial use only.
Offer: Base rate earned on entire daily balance if monthly qualifications in linked checking account are not met. Dividend rate is 0.05%.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Feb 9, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Available to all members regardless of age. Must maintain a $5.00 minimum balance in your account. Dividends are paid on Average Daily Balance basis, compounded quarterly and paid on the last day of the quarter. No maintenance charges or maintenance fees.
Offer: Dividends calculated using the average daily balance method, compounded and credited quarterly. Must maintain a $5.00 minimum balance.
0.05% interest rate · Compounded quarterly · No monthly fee
Rate checked
More details - Municipal Credit UnionHero SavingsSavings · $500 min · 0.01%–0.05% by balance
Credit union · 15 branches
0.05%APY$5 a year on $10,000Requirements
Product: Membership required. Variable rate accounts; rate may change after account opening.
Offer: Minimum opening deposit of $0.01 is funded by MCU.
0.01% interest rate · No monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Hero Savings Balance APY $500 – $1,000 0.01% $1,000 – $4,000 0.01% $4,000 – $50,000Your amount 0.05% $50,000 and up 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Establishes membership with DFCU.
Offer: A minimum balance of $50.00 is required to earn dividends.
No monthly fee · Effective Sep 19, 2025
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%
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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
- SJP Federal Credit UnionCredit union · 1 branch
- Ontario Shores FCUCredit union · 5 branches