Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 of 435 results in New York
- Family First Federal Credit UnionCompanion Savings AccountSavings · $25 min · 0.03%–5.00% by balance
Credit union · 5 branches
5.00%APY$500 a year on $10,000with conditionsRequirements
Product: Available to Debit Rewards Checking and Pinnacle account holders only. When paired with Debit Rewards Checking or Pinnacle Plu$ Checking and respective monthly checking requirements are met (12 debit card transactions, $250 direct deposit/deposit, and eStatements enrollment), balances up to $10,000 earn 5.00% APY. If monthly requirements are not met or on balances of $10,000.01 and above, the entire balance earns the current Regular Share APY (0.03%). Dividends are compounded daily and credited monthly.
Offer: Earns 5.00% APY on balances up to $10,000 when linked checking account monthly qualifications (12 debit transactions, $250 deposit/direct deposit, and eStatements) are met. Minimum $25 to earn dividend. No monthly fee.
Qualified rate · Compounded daily · No monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Companion Savings Account Balance APY Up to $10,000Your amount 5.00% Over $10,000Also applies to entire balance if monthly checking qualifications are not met. 0.03% Rate checked
More details - 4.08%APY$408 a year on $10,000intro rate
Requirements
Product: Earn high-interest dividends. Access to your money in the XCEL Digital Banking App. No monthly fees. Minimum opening deposit of $1,000 required. Federally insured up to $250,000 by the NCUA.
Offer: Intro Rate - First 60 Days. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.
Promotional rate · 4.00% interest rate · No monthly fee · Effective Oct 29, 2026
Rate checked
More details - UFirst Federal Credit UnionHigh-Yield Money MarketHigh-Yield Money Market · $0 min · 0.25%–4.00% by balance
Credit union · 3 branches
4.00%APY$400 a year on $10,000Requirements
Product: Dividends compound monthly. Minimum balance of $0.01 to earn dividends. High yield money market is limited to one per member and will only apply for new money to the credit union. Money withdrawn and re-deposited from Ufirst will not be eligible for the high-yield money market. Up to 3 withdrawals a month. The dividend rate and annual percentage yield may change at any time as determined by the Credit Union's Board of Directors.
Offer: Dividends compound monthly. Minimum balance of $0.01 to earn dividends. Limited to one per member and applies only for new money to the credit union.
0.25% interest rate
Rate by balance
Rate by balance for High-Yield Money Market Balance APY Up to $5,000 0.25% $5,000 – $50,000Your amount 4.00% Over $50,000 0.50% Rate checked
More details - Justice Federal Credit UnionFreedom Direct SavingsSavings · $0 min · 0.15%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.
Offer: Qualifying rate requires direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month.
Qualified rate · 3.94% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Freedom Direct Savings Balance APY Up to $25,000Your amount 4.00% Over $25,000 0.15% Rate checked
More details - Quorum Federal Credit UnionHighMarq SavingsSavings · $0 min · 0.01%–4.00% by balance
Credit union · 1 branch
4.00%APY$400 a year on $10,000Requirements
Product: Variable rate savings account. No minimum balance to open or maintain. $10 monthly fee if receiving paper statements; no monthly fee when enrolled in eStatements.
Offer: Tier 1 balance rate. $10 monthly fee if receiving paper statements; waived with eStatements.
0.00% interest rate · $10 monthly fee · Effective Jul 9, 2026
Rate by balance
Rate by balance for HighMarq Savings Balance APY Any balance 0.01% $10,000 and upYour amount 4.00% Rate checked
More details - NextStep Federal Credit UnionKasasa SaverSavings · $20 min · 0.25%–4.00% by balance
Credit union · 2 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Links to Kasasa Cash or Kasasa Cash Back checking account. Requires meeting checking qualifications each monthly qualification cycle (at least 12 debit card purchases, online banking login, and e-statements) to earn higher APY; otherwise earns 0.05% APY.
Offer: Qualifications met in linked Kasasa Cash or Kasasa Cash Back account.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $25,000Your amount 4.00% $25,000 and upQualifications met in linked Kasasa Cash or Kasasa Cash Back account; 0.25% Rate checked
More details - Great Meadow Federal Credit UnionHigh Yield Savings (HYSA)Savings · $2,500 min · 0.25%–3.85% by balance
Credit union · 4 branches
3.85%APY$385 a year on $10,000Requirements
Product: Tiered interest rate account. Rate is variable and subject to change after account opening. Dividends paid monthly. Limit one account per SSN. Membership eligibility required.
Offer: Applies to balances that fall below the $2,500.00 minimum during a statement cycle.
No monthly fee · Effective Aug 1, 2026
Rate by balance
Rate by balance for High Yield Savings (HYSA) Balance APY Up to $2,500 0.25% $2,500 – $25,000Your amount 3.85% Over $25,000 0.25% Rate checked
More details - 3.56%APY$356 a year on $10,000
Requirements
Product: Variable rate account; rates may change after account opening. Dividends are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends.
Offer: Applies to balances of $500 and above. Anticipated monthly dividends that may change based on market conditions.
Effective Nov 2, 2026
Rate checked
More details - 3.55%APY$355 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.
3.49% interest rate · Compounded daily · No monthly fee · Effective Oct 26, 2026
Rate checked
More details - 3.55%APY$355 a year on $10,000with conditions
Requirements
Product: Open through eBranch. Available to individual members (Business Accounts are not eligible). No minimum deposit or balance required. No monthly fee. Funds can be transferred to/from Power Checking (transfers to other accounts not permissible). Funds may not be used for overdraft protection. Accounts closed before end of month forgo interest. Member Service-assisted transactions incur a fee.
Offer: Four-Star Award: Meet requirements for preceding level (maintain Power Checking Account, use VISA Debit Card for at least 4 purchases/month, sign up for eDocs) and make at least 3 bill payments per month using ePay Bill Pay. Also gets ePay for free.
Qualified rate · 3.50% interest rate · No monthly fee · Effective Apr 15, 2026
Rate checked
More details - Lufthansa Employee Federal Credit UnionMoney Market Account (POA)Money Market Account (POA) · 1.00%–3.51% by balance
Credit union · 1 branch
3.51%APY$351 a year on $10,000intro rateRequirements
Product: Minimum balance is $1,500 but can be built up in installments. No withdrawal restrictions. For active employees, savings can be transferred directly from payroll. Fully insured up to $250,000 by the NCUA.
Offer: For amounts below $1,500.00, rate is equal to Share Account rate (1.00% APY / 1.00% APR). Interest compounded monthly.
Promotional rate · 1.00% interest rate · Compounded monthly · Effective Nov 3, 2026
Rate by balance
Rate by balance for Money Market Account (POA) Balance APY Up to $1,500 1.00% $1,500 and upYour amountNovember rate. 3.51% 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 - 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 - 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
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
439 accounts at 196 banks and credit unions · checked Nov 6–7
- Typical
- 0.25%
- Top 10% from
- 1.76%
- 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
- SJP Federal Credit UnionCredit union · 1 branch
- Ontario Shores FCUCredit union · 5 branches
- BTG Pactual Bank, National AssociationBank · 1 branch