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 61–75 results in New York
- 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - Woori America BankWooriWON Money MarketWooriWON Money Market · $500 min · 3.00%–3.15% by balance
Bank · 5 branches
3.00%APY$300 a year on $10,000Requirements
Product: Available online in states where branches are located. Interest compounded monthly. Fees may reduce earnings. APY/rate may change at any time before or after account opening.
Offer: Monthly service fee of $10 waived by maintaining an average daily balance of $500 in the account for the monthly cycle.
Compounded monthly · $10 monthly fee · Effective Dec 12, 2025
Rate by balance
Rate by balance for WooriWON Money Market Balance APY Up to $100,000Your amount 3.00% $100,000 and up 3.15% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a linked Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees.
Offer: Base rate earned on entire daily balance when monthly qualifications on linked Kasasa checking account are not met.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.05% Up to $75,000Your amountTier 1 rate when linked to Kasasa Cash Checking and monthly qualifications are met. 3.00% Over $75,000 0.25% Over $150,000 0.25% Rate checked
More details - 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: To earn the advertised 3.00% APY, member must deposit a minimum of $5,000 in New Money into the account. Until the New Money requirement is met, dividends accrue at the Hero Savings rate.
Offer: Requires a total deposit of $5,000 in New Money. Once met, no minimum balance is required to earn the posted APY.
Promotional rate · 2.96% interest rate · No monthly fee · Effective May 1, 2026
Rate checked
More details - International Bank of ChicagoMoney Market AccountMoney Market Account · $10,000 min · 2.95%–3.75% by balance
Bank · 1 branch
2.95%APY$295 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 · 2.91% interest rate · $15 monthly fee · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $10,000 – $100,000Your amount 2.95% $100,000 – $250,000 3.45% $250,000 and up 3.75% Rate checked
More details - 2.95%APY$295 a year on $10,000
Requirements
Product: Exclusive online-only savings account available in states where branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Limited to six transfers/withdrawals per monthly cycle. Interest compounded monthly.
Offer: Monthly service fee of $5 waived by maintaining an average daily balance of $100 in the account for the monthly cycle.
Compounded monthly · $5 monthly fee · Effective Dec 12, 2025
Rate by balance
Rate by balance for WooriWON Savings Balance APY Up to $100,000Your amount 2.95% $100,000 and up 3.25% Rate checked
More details - Hanover BankElite High Yield Personal Money MarketElite High Yield Personal Money Market · $5,000 min
Bank · 9 branches
2.85%APY$285 a year on $10,000Requirements
Product: $5,000 minimum daily balance required to earn interest and avoid a $10 monthly service fee. Surcharge-free ATM transactions at over 55,000 participating Allpoint ATMs. Unlimited transfers. Free online & mobile banking, eStatements, and ATM/debit card. No check writing privileges. Variable rate product.
Offer: $5,000 minimum daily balance required to earn interest and avoid $10 monthly service fee. No check writing privileges.
$10 monthly fee · Effective Oct 30, 2025
Rate checked
More details - 2.80%APY$280 a year on $10,000
Requirements
Product: Limited Availability.
Offer: Tier for daily balance of $100,000 or less.
2.77% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for High-Yield Digital Savings Balance APY Up to $100,000Your amount 2.80% $100,001 and up 3.50% Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Rate is variable and subject to change after the account is open. Fees may reduce earnings. Excessive transfers or withdrawals may result in fees.
Offer: No minimum balance required to earn APY. Rate is variable and subject to change after account opening.
2.71% interest rate · Effective Aug 10, 2026
Rate checked
More details - 2.75%APY$275 a year on $10,000intro rate
Requirements
Product: Smart Savings is free of monthly maintenance charges. Rate is variable and subject to change after the account is open. Fees may reduce earnings. Excessive transfers or withdrawals may result in fees.
Offer: Variable rate subject to change after the account is open. No minimum balance required to earn APY. Free of monthly maintenance charges.
Promotional rate · 2.71% interest rate · No monthly fee · Effective Aug 10, 2026
Rate checked
More details - Five Star BankHigh Yield Money Market AccountHigh Yield Money Market Account · $10,000 min · 0.10%–3.25% by balance
Bank · 47 branches
2.75%APY$275 a year on $10,000Requirements
Product: Applying online requires an initial deposit of at least $10,000 in new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days. For initial deposits less than $10,000, visit a local branch. Service charge of $10.00 per statement period does not apply when maintaining at least a $10,000 average ledger balance for the activity period.
Offer: Variable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance.
0.10% interest rate · $10 monthly fee
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY Up to $10,000 0.10% $10,000 – $100,000Your amount 2.75% $100,000 and up 3.25% Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - Affinity Federal Credit UnionSmartStart SavingsSavings · $5 min · 0.50%–2.65% by balance
Credit union · 3 branches
2.65%APY$265 a year on $10,000Requirements
Product: Limit one account per member. Requires Affinity membership. Tiered rate structure paying higher rate on balances up to $10,000 and 0.50% on portion over $10,000. Blended APY ranges from 2.65% to 0.59%. Dividends compounded monthly and credited monthly. No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. Initial opening deposit $5.00.
Offer: Rate applies to daily balance up to $10,000. $2 monthly paper statement fee waived if enrolled in eStatements within 45 days, or for members aged 62+, children aged 17 and under, Savvy Saver, and tenant accounts.
2.62% interest rate · Compounded monthly · $2 monthly fee · Effective May 28, 2026
Rate by balance
Rate by balance for SmartStart Savings Balance APY Up to $10,000Your amount 2.65% Over $10,000blended APY ranges from 2.65% to 0.59% depending on balance. $2 monthly paper statement fee waived if enrolled in eStatements. 0.50% Rate checked
More details - 2.60%APY$260 a year on $10,000
Requirements
Product: A maintenance charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.
Offer: Monthly maintenance charge of $5 waived when average daily balance for the statement cycle is $500 or more.
$5 monthly fee · Effective Dec 11, 2025
Rate by balance
Rate by balance for Simple Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 2.60% $100,000 and up 2.80% Rate checked
More details - 2.53%APY$253 a year on $10,000
Requirements
Product: Savings products interest rates are subject to terms and conditions and may change at any time and without prior notice.
Offer: Savings products interest rates are subject to terms and conditions and may change at any time and without prior notice.
2.50% interest rate · Effective Oct 1, 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
* 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
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%
Is your bank paying you enough?
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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