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 46–60 results in Buffalo, NY metro
- Niagara Falls Air Force Federal Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 0.30%–0.45% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Must maintain a minimum balance of $5,000. Dividends paid monthly. Fees may reduce earnings.
Offer: Dividends paid monthly.
Rate by balance
Rate by balance for Money Market Account Balance APY $5,000 – $25,000Your amount 0.30% $25,000 and up 0.45% Rate checked
More details - Western Division Federal Credit UnionSub Savings AccountsSavings · $5 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Sub Savings include all the same benefits and rates as Regular Savings (with exception of debit card). Minimum $5 to open. Earn dividends on balances of $100 or greater. No monthly service charge.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for Sub Savings Accounts Balance APY Up to $99 0.00% $100 – $5,000 0.25% $5,001 – $20,000Your amount 0.25% $20,001 – $50,000 0.25% $50,001 and up 0.25% Rate checked
More details - Western Division Federal Credit UnionSavings AccountSavings · $5 min · 0.00%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Minimum $5 deposit to open. Earn Dividends on balances of $100 or greater. No monthly service charge. Dividends compounded daily and paid quarterly. Qualifies for a Patronage Dividend.
Offer: The dividend rate and APY may change monthly as determined by the Board of Directors.
0.00% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $99 0.00% $100 – $5,000 0.25% $5,001 – $20,000Your amount 0.25% $20,001 – $50,000 0.25% $50,001 and up 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000intro rate
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: Dividends compounded and credited monthly; account must remain open through month-end to receive dividends.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A deposit of one share ($5.00) is required for membership. Dividends are declared and paid quarterly by the Board of Directors on the average daily balance. Inactive accounts (no deposit or withdrawal for 24+ months) are charged a $15.00 quarterly fee.
Offer: Dividends earned on average daily balance and paid quarterly; APY assumes dividends remain on deposit for one year.
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary account for all members representing ownership in the Credit Union. Dividends are paid quarterly based on the average daily balance.
Offer: Must maintain a minimum balance of $5.00 to remain active. Accounts require a minimum average daily balance of $100.00 to earn dividends/APY. A $5.00 monthly fee applies for no activity on balances under $100.00.
0.25% interest rate
Rate checked
More details - Niagara Falls Air Force Federal Credit UnionShares Accounts (savings)Savings · $250 min
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are calculated by average daily balance method and may change quarterly. Fees may reduce earnings.
Offer: Minimum balance of $250.00 required to obtain the disclosed annual percentage yield.
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Establishes membership at BufMet Credit Union and is required for any other credit union product.
Offer: Dividends paid quarterly on accounts with an average daily balance of $1,000.00 or more.
0.25% interest rate · Effective Jun 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Open to members of Ontario Shores FCU. Initial share deposit of $5.00 required.
0.25% interest rate
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - Northwest BankAffinity Plus Money MarketAffinity Plus Money Market · $25 min · 0.10%–0.30% by balance
Bank · 21 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Must have Affinity Plus Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Plus Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Plus 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 Plus Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Plus Money Market Balance APY Up to $5,000 0.10% $5,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 – $5,000,000 0.30% $5,000,000 and up 0.30% Rate checked
More details - Cattaraugus County BankCCB Advantage SavingsSavings · $25 min · 0.20%–1.01% by balance
Bank · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Free account that builds savings. No CCB Advantage Checking Account required. Requires enrollment in E-statements. 15 free withdrawals per month.
Offer: Daily balances of $25,000 or less earn 0.20% interest rate on entire balance. Requires enrollment in E-statements. No monthly maintenance fees.
0.20% interest rate · No monthly fee · Effective Jun 2, 2025
Rate by balance
Rate by balance for CCB Advantage Savings Balance APY Up to $25,000Your amount 0.20% $25,000 and up 0.50% $250,000 and up 1.01% Rate checked
More details - Lockport Schools & Community Federal Credit UnionShare Savings AccountSavings · $500 min · 0.10%–0.25% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Membership eligibility is required (live, work, conduct business, worship, attend school, or volunteer in the City or Town of Lockport). Dividends are compounded on the average daily balance after meeting a minimum account balance, paid quarterly.
0.10% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Share Savings Account Balance APY $500 – $2,000 0.10% $2,000 – $5,000 0.15% $5,000 – $20,000Your amount 0.15% $20,000 and up 0.25% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Membership eligibility required. $5.00 minimum deposit plus $5.00 membership fee required to open account. Dividends paid quarterly.
Offer: A $50.00 minimum balance is required to earn dividends. Dividends paid quarterly. $5.00 new account fee.
0.15% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - Great Erie Federal Credit UnionSavings AccountSavings · $5 min · 0.00%–0.15% by balance
Credit union · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: Minimum opening deposit of $5 to become a member. Dividends are earned on the average daily balance and paid monthly. Rates quoted are anticipated to be paid on October 31, 2026. Dividend rate and APY are subject to change monthly without notice.
0.00% interest rate
Rate by balance
Rate by balance for Savings Account Balance APY Up to $25 0.00% Up to $1,000 0.15% $1,000 – $10,000 0.15% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.15% Over $50,000 0.15% 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 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%
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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