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 16–30 results in Buffalo, NY metro
- 1.25%APY$125 a year on $10,000with conditions
Requirements
Product: Linked to Advantage Plus Checking account. To earn qualifying tiered APY, must meet Advantage Plus Checking qualifications each monthly qualification cycle (enrolled in and log in to Online Banking, enrolled in e-Statements, at least 1 direct deposit or automatic ACH payment post and settle, and at least 12 signature-based debit card purchases post and settle). If qualifications are not met, all balances earn 0.05% APY. Limit one account per SSN.
Offer: Requires meeting monthly qualification cycle requirements on linked Advantage Plus Checking account.
Qualified rate · 1.24% interest rate · No monthly fee
Rate by balance
Rate by balance for Advantage Savings Balance APY Up to $25,000Your amount 1.25% Over $25,000 0.35% Rate checked
More details - The Summit Federal Credit UnionMoney MarketMoney Market · $1,500 min · 1.10%–1.60% by balance
Credit union · 2 branches
1.20%APY$120 a year on $10,000Requirements
Product: Must be a member of The Summit Federal Credit Union ($5.00 par value share in Primary Savings required for membership). Average daily balance of at least $1,500 required to earn dividends. A monthly Account Maintenance Fee of $5.95 applies to the member's account unless exempt (e.g., monthly Combined Balance is $2,500 or greater, age 22 and younger, age 65 and older, accounts open less than 3 months, 10 or more monthly debit card POS transactions posted during the month, non-profit organizations, or checking with at least one direct deposit received per quarter).
Offer: Tiered rate applied to full balance based on average daily balance.
1.09% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $10,000 1.10% $10,000 – $25,000Your amount 1.20% $25,000 – $50,000 1.30% $50,000 and up 1.60% Rate checked
More details - Empower Federal Credit UnionPremium Money MarketPremium Money Market · $2,500 min · 1.05%–2.35% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,0001.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY $2,500 – $10,000 1.05% $10,000 – $250,000Your amount 1.15% $250,000 and up 2.35% Rate checked
More details - ONE Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.26% by balance
Credit union · 3 branches
1.01%APY$101 a year on $10,000Requirements
Product: Minimum balance of $2,500.00 to earn dividends and avoid monthly fee. Up to 5 withdrawals permitted per month; $10.00 fee applies for each withdrawal in excess of 5 per month. $10.00 per month fee if balance falls below $2,500.00.
Offer: $10.00 fee per month applies when balance is below the $2,500.00 minimum balance requirement. Up to 5 withdrawals per month ($10.00 each for excess withdrawals).
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00%* $2,500 – $20,000Your amount 1.01%* $20,000 – $75,000$10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. 1.11%* $75,000 and up$10.00 monthly fee is waived when maintaining the $2,500.00 minimum balance. 1.26%* Rate checked
More details - Broadview Federal Credit UnionMoney MarketMoney Market · $1 min · 0.10%–3.05% by balance
Credit union · 4 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 · 4 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 - Akron School Employees Federal Credit UnionRegular Share Savings AccountSavings · $5 min · 0.00%–1.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Subject to change without notice. Requires $5 minimum to keep account open. Can be setup through payroll deduction.
Offer: No dividends on balances less than $25.00.
Rate by balance
Rate by balance for Regular Share Savings Account Balance APY Up to $25 0.00% Up to $74,999Your amount 1.00% Over $74,999 1.50% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - Great Erie Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.95%–1.05% by balance
Credit union · 3 branches
0.95%APY$95 a year on $10,000Requirements
Product: Transfers and withdrawals are subject to Regulation D. Dividends are earned on the average daily balance and paid monthly.
0.95% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.95% $25,000 – $50,000 1.00% $50,000 and up 1.05% Rate checked
More details - Radius FCUMoney Market SavingsMoney Market Savings · $3,000 min · 0.80%–1.00% by balance
Credit union · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Five (5) free withdrawals per month; minimum $3,000 balance to earn tiered interest.
0.80% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $3,000 – $20,000Your amount 0.80% $20,000 – $75,000 0.90% $75,000 and up 1.00% Rate checked
More details - Western Division Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.51% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Available to members within Western Division's field of membership. Dividends are compounded daily and credited quarterly. Rate and APY may change monthly. Three withdrawals/transfers per month at no charge.
0.00% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.00% $1,000 – $50,000Your amount 0.75% $50,001 – $100,000 1.00% $100,001 – $200,000 1.25% $200,001 and up 1.51% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: A minimum balance of $2,500 is required to earn dividends. Dividends are calculated on average daily balances of $2,500.00 or more and declared monthly based on available earnings. A maximum of 3 withdrawals are allowed per month; each additional withdrawal incurs a $10.00 fee. A $10.00 fee is assessed to balances that fall below $2,500.00.
Offer: Rates are variable and declared monthly based on available earnings. Applies to average daily balances greater than $2,500.00.
0.75% interest rate · Effective Jun 5, 2026
Rate checked
More details - BufMet Credit UnionMoney Market Accounts (MMAs)Money Market Accounts (MMAs) · $2,500 min · 0.50%–1.00% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Dividends are paid quarterly, compounded daily, on accounts with an average daily balance of $2,500.00 or more.
Offer: Dividends are paid quarterly, compounded daily, on accounts with an average daily balance of $2,500.00 or more.
0.50% interest rate · Compounded daily · Effective Jun 1, 2026
Rate by balance
Rate by balance for Money Market Accounts (MMAs) Balance APY $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.85% $50,000 – $1,000,000 1.00% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Dividends calculated using average daily balance method. $100 minimum balance to earn dividends.
Offer: $100 minimum to earn dividend
0.75% interest rate
Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Dividends calculated using average daily balance method. $100 minimum balance to earn dividends.
Offer: $100 minimum to earn dividend
0.75% interest rate
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 Buffalo, NY metro
110 accounts at 55 banks and credit unions · checked Oct 6–22
- Typical
- 0.23%
- Top 10% from
- 1.52%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.30%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Buffalo, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 4 branches
- SJP Federal Credit UnionCredit union · 1 branch
- Niagara's ChoiceCredit union · 5 branches