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 31–45 results in Buffalo, NY metro
- Meridia Community Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.65%–0.85% by balance
Credit union · 3 branches
0.65%APY$65 a year on $10,000Requirements
Product: Dividends posted monthly if average daily balance is over $1,000. 3 free withdrawals per month.
Offer: Monthly fee of $7.50 applies if balance is under $1,000. Excessive withdrawal fee of $3 each after 3 free withdrawals per month.
0.65% interest rate · $7.50 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $25,000Your amount 0.65% $25,000 – $50,000 0.70% $50,000 – $75,000 0.80% $75,000 and up 0.85% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Rates on variable rate accounts could change after account opening.
Offer: Minimum balance of $2,500.00 required to earn dividends.
0.55% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Initial deposit of $1 establishes Empower membership and is required to open and maintain account. Dividends are compounded daily and posted monthly. Dividends may be paid only from current income and accumulated earnings after required transfers to reserves.
Offer: Tier 1.
0.55% interest rate · Compounded daily · Effective Apr 11, 2023
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Dividends may be paid only from current income and accumulated earnings after required transfers to reserves. Early withdrawal penalty may apply.
Offer: Tier 1.
0.55% interest rate · Effective Apr 11, 2023
Rate checked
More details - Griffith Institute Employees Federal Credit UnionShare AccountsSavings · $100 min
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Regular savings accounts (share accounts). Requires purchasing a $5.00 share and paying a one-time fee of $1.00 for membership. $5.00 minimum balance required to keep the account open.
Offer: Minimum balance of $100.00 to earn interest/dividends. $5.00 minimum opening deposit. Dividends compounded daily and credited quarterly.
0.55% interest rate · Compounded daily
Rate checked
More details - Buffalo Conrail Federal Credit UnionAdditional Savings AccountSavings · $0 min
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership eligibility requirements apply.
Offer: Average daily balances of $200 or more are paid quarterly.
0.50% interest rate
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Membership eligibility requirements apply. Requires an initial deposit of $25.00.
Offer: Average daily balances of $200 or more are paid quarterly.
0.50% interest rate
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Initial share amount to open account is $10 ($5 to buy share in Credit Union, $5 to put in account). Minimum balance is $5.00. Average daily balance method used for dividend calculation.
Offer: To earn a dividend, minimum deposit and minimum balance is $300. Dividends calculated using average daily balance method.
0.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - Town of Cheektowaga Federal Credit UnionShare AccountsSavings · $0 min · 0.40%–0.80% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Primary account for all members; must have a minimum balance of $20.00 to remain active. Represents share of ownership in the Credit Union. Calculation is based upon average quarterly balance (or average daily balance); dividends are disbursed/paid and compounded quarterly on the last day of the quarter.
Offer: Calculation is based upon the member's average quarterly balance. Dividends are disbursed and compounded on the last day of the quarter.
0.40% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Share Accounts Balance APY Up to $25,000Your amount 0.40% $25,000 – $100,000 0.60% $100,000 – $1,000,000 0.80% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Membership eligibility required. $5 minimum deposit plus a $5 membership fee/new account fee required to join and open account.
Offer: Minimum Balance of $1,000 required to earn dividends. Fees could reduce account dividend earnings.
0.35% interest rate · No monthly fee
Rate checked
More details - Northwest BankAffinity Premier Money MarketAffinity Premier Money Market · $25 min · 0.25%–0.85% by balance
Bank · 21 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Must have Affinity Premier Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Premier Checking account to qualify. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Premier Money Market Balance APY Up to $5,000 0.25% $5,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.35% $100,000 – $250,000 0.85% $250,000 – $5,000,000 0.85% $5,000,000 and up 0.85% Rate checked
More details - Meridia Community Credit UnionPrimary SavingsSavings · $5 min · 0.30%–4.06% by balance
Credit union · 3 branches
0.30%APY$30 a year on $10,000Requirements
Product: Establishes membership with a $5 minimum deposit. Limited to one Primary Share per primary social security number (applied to the oldest account). Paid dividends based on a split rate tier structure and quarterly average daily balance.
Offer: Split rate tier structure: Tier 1 rate applies on balance up to $1,000.
4.00% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $1,000 4.06% $1,000 and upYour amount 0.30% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Minimum balance is $5.00 for Regular Shares to establish membership.
Offer: Minimum Balance is $5.00 for Regular Shares. Balances $1 and greater earn dividends starting with the first dollar.
0.30% interest rate · Effective Oct 4, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Goal-based secondary savings account with no minimum deposit to open.
Offer: Balances $1 and greater earn dividends.
0.30% interest rate
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% 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 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?
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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