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 76–90 results in New York
- Generations United Federal Credit UnionGenerations United Supreme Savings AccountSavings · $1,000 min
Credit union · 1 branch
2.53%APY$253 a year on $10,000Requirements
Product: Must maintain a minimum balance of $1,000.00 to earn stated APY.
Offer: Must maintain a minimum balance of $1,000.00.
2.50% interest rate
Rate checked
More details - Generations United Federal Credit UnionGenerations United Supreme Savings AccountSavings · $1,000 min
Credit union · 1 branch
2.53%APY$253 a year on $10,000Requirements
Product: Must maintain a minimum balance of $1,000.00 to earn stated APY.
Offer: Dividends compounded and credited monthly; minimum daily balance of $1,000 required to earn stated APY.
2.50% interest rate · Effective Oct 29, 2025
Rate checked
More details - Generations United Federal Credit UnionGenerations United Supreme Savings AccountSavings · $1,000 min
Credit union · 1 branch
2.53%APY$253 a year on $10,000Requirements
Product: Must maintain a minimum balance of $1,000.00 to earn stated APY.
Offer: Dividends compounded and credited monthly; minimum daily balance of $1,000 required to earn stated APY.
2.50% interest rate · Effective Oct 29, 2025
Rate checked
More details - Local 804 Federal Credit UnionHigh Yield Savings AccountSavings · $2,000 min
Credit union · 2 branches
2.52%APY$252 a year on $10,000Requirements
Product: Two penalty-free withdrawals in a calendar year; additional withdrawals incur a $15.00 fee. Local 804 Retirees have unlimited penalty-free withdrawals.
Offer: Requires $2,000 minimum balance ($250,000 maximum). Allows deposits at any time and two penalty-free withdrawals per calendar year ($15.00 penalty per withdrawal thereafter).
2.50% interest rate · Balance cap $250,000 · Effective Mar 1, 2026
Rate checked
More details - Global Bank NYPersonal Money MarketPersonal Money Market · $100 min · 2.50%–3.25% by balance
Bank · 3 branches
2.50%APY$250 a year on $10,000Requirements
Product: Interest is compounded daily and credited to account monthly. Each statement cycle includes six (6) transfers; no monthly service fee. A $15.00 service fee applies for each transfer afterward. Pre-authorized automatic, computer, or telephone transfers or checks/debits are limited to 6 per statement cycle.
Offer: Tier 1 balance tier.
2.47% interest rate · Compounded daily · No monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $100 – $25,000Your amount 2.50% $25,000 – $100,000Tier 2 balance tier. 2.50% $100,000 – $250,000Tier 3 balance tier. 2.50% $250,000 – $500,000Tier 4 balance tier. 3.25% $500,000 and upTier 5 balance tier. 3.25% Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Product: Membership required for eligibility. Approved rates are applied to average balances at month-end.
2.47% interest rate · Effective Sep 21, 2026
Rate checked
More details - Suffolk Credit UnionSave Your Way AccountSavings · $5 min · 0.00%–2.50% by balance
Credit union · 10 branches
2.50%APY$250 a year on $10,000intro rateRequirements
Product: Promotional offer valid for accounts opened between June 1 and August 31, 2026 with new money. Promotional rate of 2.50% APY applies to balances up to $250,000 until December 31, 2026. Balances over $250,000 earn 0.05% APY. One free withdrawal per month; additional withdrawals incur a $10 fee. Standard schedule rate is 0.05% APY for balances $100 and greater.
Promotional rate · 0.00% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Save Your Way Account Balance APY Up to $100 0.00% $100 – $250,000Your amountPromotional rate valid for accounts opened between June 1 and August 31, 2026 with new money; rate applies until December 31, 2026. 2.50% Over $250,000 0.05% Rate checked
More details - 2.30%APY$230 a year on $10,000
Requirements
Product: Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties. Subject to Change at Anytime.
Offer: Compounding monthly (M). If average available balance is more than $5 million, APY is paid on the first $5 million.
2.28% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY $250 – $5,000,000Your amount 2.30% $5,000,000 and upPaid on the portion of balance above $5 million. 2.00% Rate checked
More details - Buffalo Conrail Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 1.76%–2.77% by balance
Credit union · 1 branch
2.26%APY$226 a year on $10,000Requirements
Product: Open to Buffalo Conrail FCU members and eligible employees/associates and their immediate family/household. Features no monthly fees and no penalty for accessing funds.
1.75% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 1.76% $10,000 and upYour amount 2.26% $25,000 and up 2.77% Rate checked
More details - O&R Utilities Employees Federal Credit UnionMoney MarketMoney Market · $2,500 min · 2.00%–2.50% by balance
Credit union · 1 branch
2.25%APY$225 a year on $10,000Requirements
Product: Members must maintain a minimum daily balance of $2,500.00. Limit of six (6) withdrawals per month. No limits on deposits to this account. Dividends are calculated and compounded monthly. Free personalized checks. Tiered dividend rate structure.
2.00% interest rate · Compounded monthly · Effective Dec 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 2.00% $10,000 – $40,000Your amount 2.25% $40,000 – $75,000 2.35% $75,000 and up 2.50% Rate checked
More details - Heritage Financial Credit UnionHeritage High Yield SavingsSavings · $0 min
Credit union · 12 branches
2.25%APY$225 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: Earned when monthly qualifications in linked Heritage High Yield Checking or Heritage Cash Back Checking are met (at least 12 debit card purchases, at least 1 direct deposit/ACH credit, enrolled in e-Statements). Dividend rate is 2.23%.
Qualified rate · 2.23% interest rate · Balance cap $150,000 · No monthly fee · Effective Feb 9, 2026
Rate checked
More details - 2.20%APY$220 a year on $10,000
Requirements
Product: Local Deposits Only - Oneida, Herkimer, Madison, Otsego Counties. Subject to Change at Anytime. Compounding monthly. Up to 6 transfers per month allowed; $5 fee per transfer if more than 6 transfers are made.
Offer: Paid on the first $5 million if average available balance is more than $5 million.
2.18% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Personal MMA Balance APY $1,000 – $5,000,000Your amount 2.20% Over $5,000,000Paid on the balance above $5 million if average available balance is more than $5 million. 2.00% Rate checked
More details - 2.20%APY$220 a year on $10,000
No monthly fee
Rate by balance
Rate by balance for Simple Savings Balance APY Up to $50,000Your amount 2.20% $50,000 and up 2.70% Rate checked
More details - 2.10%APY$210 a year on $10,000
Requirements
Product: Variable rate subject to change at any time. No monthly maintenance fee and no monthly balance requirements.
Offer: Variable rate. No monthly maintenance fee. No ongoing monthly balance requirements.
No monthly fee · Effective Oct 27, 2025
Rate checked
More details - Ukrainian Federal Credit UnionMoney MarketMoney Market · $500 min · 0.10%–3.30% by balance
Credit union · 5 branches
2.02%APY$202 a year on $10,000Requirements
Product: No monthly maintenance fee. Minimum balance and minimum balance to earn dividends is $500. Limit of 3 withdrawals per month before a fee is imposed, with a minimum of $100 per withdrawal.
Offer: Minimum daily balance and balance to earn dividends is $500. Up to 3 withdrawals per month before a fee is imposed; minimum $100 per withdrawal.
0.10% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $2,500 0.10% $2,500 – $25,000Your amount 2.02% $25,000 – $100,000 2.53% $100,000 – $250,000 3.04% $250,000 – $1,000,000 3.30% 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