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 Ithaca, NY metro
- Visions Federal Credit UnionFlex Money MarketFlex Money Market · $5,000 min · 1.00%–2.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,0001.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Flex Money Market Balance APY Up to $100,000Your amount 1.00% $100,000 – $250,000 1.25% $250,000 – $500,000 1.50% $500,000 – $1,000,000 1.75% $1,000,000 and up 2.00% Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Product: Requires linked First Choice Interest or First Choice Cash Back checking account. Limit of one account per customer. Monthly direct deposit/ACH credit and eStatements are required.
Offer: Qualifying requirements met in linked First Choice checking: at least 15 debit card purchases (each > $7), at least 1 direct deposit or ACH credit transaction post and settle, and enrolled in eStatements during each Monthly Qualification Cycle.
Qualified rate · 0.75% interest rate · Balance cap $20,000 · No monthly fee
Rate checked
More details - Alternatives Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.25%–0.85% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership requires a one-time $2 fee to enroll in the Alternatives Fund of Ithaca, Inc. and a $5 deposit into a savings account. Field of membership includes specific NY counties.
0.25% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $2,500 0.25% $2,500 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.70% $100,000 and up 0.85% Rate checked
More details - Beginnings Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.30%–0.75% by balance
Credit union · 8 branches
0.40%APY$40 a year on $10,000Requirements
Product: Minimum to open and earn APY is $2,500. Variable rate compounded monthly, may change after account is opened. Fees may reduce earnings. No monthly service fees.
Offer: Compounded Monthly. Variable rate.
Compounded monthly · No monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 and up 0.75% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Offer: Interest credited and compounded quarterly. Fees may reduce earnings on the account.
0.20% interest rate · Compounded quarterly · Effective Aug 27, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Offer: A minimum balance fee of $2.00 is charged every month if the average daily balance for the month falls below $10.00. Interest is credited and compounded monthly. Fees may reduce earnings on the account.
0.20% interest rate · Compounded monthly · $2 monthly fee · Effective Aug 27, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Offer: Earn dividends on min. balance of $100.00; $5 minimum balance requirement; checking overdraft protection available.
0.15% interest rate · Effective Jan 15, 2025
Rate checked
More details - The First National Bank of GrotonMoney Market Investment Account (MMIA)Money Market Investment Account (MMIA) · $1,000 min · 0.05%–0.30% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Excludes municipal accounts. Avoid the $5 monthly service charge by maintaining a daily balance of $1,000 or more.
Offer: Compounded daily and credited on the last day of each statement cycle. Maintain a daily balance of $1,000 or more to avoid the $5 monthly service charge.
0.05% interest rate · Compounded daily · $5 monthly fee · Effective Sep 22, 2026
Rate by balance
Rate by balance for Money Market Investment Account (MMIA) Balance APY $1,000 and up 0.05% $10,000 and upYour amount 0.10% $25,000 and up 0.15% $50,000 and up 0.20% $250,000 and up 0.30% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Requires linked First Choice Interest or First Choice Cash Back checking account. Limit of one account per customer. Monthly direct deposit/ACH credit and eStatements are required.
Offer: Applies to entire daily balance if qualifications in linked First Choice checking account are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 22, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Avoid the quarterly service charge of $3 by maintaining a daily balance of $50.
0.05% interest rate · Effective Sep 22, 2026
Rate checked
More details - The First National Bank of GrotonMoney Market Checking Account (MMCA)Money Market Checking Account (MMCA) · $1,000 min
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Avoid the $5 monthly service charge by maintaining a daily balance of $1,000 or more; otherwise, an additional $0.20 fee applies for each check, telephone transfer debit, and NetTeller transfer debit.
Offer: Earns interest on entire balance compounded daily and paid at statement cycle end. Avoid the $5 monthly service charge by maintaining a daily balance of $1,000 or more.
0.05% interest rate · Compounded daily · $5 monthly fee · Effective Sep 22, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Deposit $5 into savings to establish membership and become a shareholding owner-member of Alternatives Federal Credit Union. Membership requires a one-time $2 fee to join Alternatives Fund of Ithaca, Inc. and residency in eligible NY counties. No monthly service fees if enrolled in paperless statements.
Offer: Rate applies to balances from $5 to $9,999.99. Monthly service fee waived with paperless statements.
0.05% interest rate · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Account limitations apply: entire balance will be transferred to another account of yours on or after the day selected and the account will remain open. If closed within 7 days of opening, accrued dividends will be paid; otherwise accrued uncredited dividends are forfeited upon closure. No minimum balance required to maintain account.
Offer: Minimum $100 to earn APY. Compounded monthly. Variable rate.
Compounded monthly · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Requires maintaining membership at Beginnings Credit Union with a $5.00 share. Monthly service fee is $0.00. Dividends compounded and credited monthly based on daily balance.
Offer: Minimum $100 daily balance to earn APY. Compounded monthly. Variable rate.
Compounded monthly · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
Offer: Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Citizens Private Client® Money Market Balance APY Up to $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $49,999 3.50% $50,000 – $99,999 3.50% $100,000 – $249,999 3.50% $250,000 – $499,999 3.50% $500,000 – $999,999 3.50% $1,000,000 – $2,999,999 3.50% $3,000,000 and up 3.50% 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 Ithaca, NY metro
27 accounts at 11 banks and credit unions · checked Sep 30–Oct 16
- Typical
- 0.05%
- Top 10% from
- 0.44%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.10%
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New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch