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 results in Albany, NY metro
- 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 - 3.50%APY$350 a year on $10,000intro rate
Rate checked
More details - NY Bravest Federal Credit UnionGeneral Alarm High-Yield SavingsSavings · 1.01%–3.30% by balance
Credit union · 1 branch
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 - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Requires having a Beacon Bank checking account with an ownership relationship. Variable premium interest rate. Fees may reduce earnings.
Offer: Variable premium interest rate subject to change without notice. Requires an ownership relationship on a Beacon Bank checking account.
Qualified rate · Effective Sep 18, 2026
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 - 1.75%APY$175 a year on $10,000
Requirements
Product: Below Par fee of $2.00 per month applies if the balance falls below the required $10.00 minimum.
Offer: Dividends compounded and credited monthly; calculated using average daily balance method. Minimum balance to avoid a $2.00 monthly service fee is $10.00.
1.75% interest rate · $2 monthly fee · Effective Jul 1, 2026
Rate checked
More details - Heritage Family Credit UnionMoney Market Share AccountMoney Market Share Account · $1,000 min · 1.30%–2.00% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Must purchase and maintain 1 share ($25.00 par value) for credit union membership. Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Dividends calculated using the daily balance method. Cash withdrawals may be limited to $2,000.00 per day. No monthly service charge. Member must maintain a minimum balance of $1,000 each day to obtain the disclosed APY; if balance falls below $1,000, the account will not earn dividends that day.
1.30% interest rate · No monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Share Account Balance APY $1,000 – $20,000Your amount 1.30% $20,000 – $35,000 1.55% $35,000 – $50,000 1.70% $50,000 and up 2.00% Rate checked
More details - Broadview Federal Credit UnionMoney MarketMoney Market · $1 min · 0.10%–3.05% by balance
Credit union · 46 branches
1.00%APY$100 a year on $10,000Requirements
Product: Broadview membership is required. A $1 initial deposit is required to open an account. Rates are variable and may change after account is opened. Fees and other conditions may reduce earnings.
Offer: Rate is variable and may change after account is opened.
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 1.90% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.05% Rate checked
More details - Broadview Federal Credit UnionHigh Yield SavingsSavings · $0 min · 0.10%–3.05% by balance
Credit union · 46 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Features tiered rate structure: the more you save, the more you earn. Broadview membership required. Rate may be variable and subject to change.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 1.90% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.05% Rate checked
More details - Community Resource Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.50% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered dividend rates; earn higher dividends on an average daily balance of $2,500 or more. Withdraw up to 6 times per month / check writing permitted (6 per month).
0.00% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.50% $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.25% $100,000 and up 1.50% Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Requires a linked Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees.
Offer: Tier 1 rate when linked with Kasasa Cash Back checking and monthly qualifications are met.
Qualified rate · 0.75% interest rate · Balance cap $150,000 · No monthly fee
Rate checked
More details - Hudson River Community Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.50%–1.00% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Open to all members. Allows check-writing and transfers, subject to standard withdrawal limitations (up to 6 certain withdrawals/transfers per month). Interest calculated daily and compounded/credited quarterly.
Offer: Tier 1 rate based on average monthly balance of $1,000 to $9,999.99. No monthly maintenance fee. Interest compounded and credited quarterly.
0.50% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 and up 1.00% Rate checked
More details - Sunmark Credit UnionMoney Market AccountMoney Market Account · $500 min · 0.20%–1.25% by balance
Credit union · 14 branches
0.50%APY$50 a year on $10,0000.20% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $500 – $9,999 0.20% $10,000 – $24,999Your amount 0.50% $25,000 – $39,999 0.75% $40,000 – $99,999 1.00% $100,000 and up 1.25% Rate checked
More details - Saratoga's Community Federal Credit UnionMoney Market CHECKINGMoney Market CHECKING · $50 min · 0.00%–0.80% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.
Offer: Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.
0.10% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Money Market CHECKING Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.23% $10,000 – $25,000Your amount 0.40% $25,000 – $250,000 0.80% $250,000 and up 0.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
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 Albany, NY metro
73 accounts at 30 banks and credit unions · checked Oct 5–22
- Typical
- 0.05%
- Top 10% from
- 1.00%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.10%
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Albany, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sunmark Credit UnionCredit union · 14 branches
- TCT FCUCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch