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 Massena, NY metro
- Northern Credit UnionBasic Savings Account NYSavings · $5 min · 0.10%–0.20% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: Open with $5 credit union membership deposit. Earn dividends on balances of $50 or more. Dividends earned on $60 or less would be less than 1 cent, therefore dividends do not pay out until balance reaches at least $61. Optional overdraft protection on checking account.
Offer: Dividends earned on $60 or less in the account would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61.
Effective Dec 1, 2022
Rate by balance
Rate by balance for Basic Savings Account NY Balance APY Up to $50 0.10% Up to $5,000 0.10% $5,000 – $25,000Your amount 0.15% $25,000 and up 0.20% Rate checked
More details - Gouverneur Savings & Loan AssociationPassbook & Statement Savings AccountSavings · $10 min
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: No maintenance charge for tax reported owners ages under 18 or 60 years old and over. $50.00 balance required to avoid a $5.00 monthly maintenance charge.
Offer: $50.00 minimum balance required to avoid $5.00 monthly maintenance fee. Monthly maintenance fee waived for owners ages under 18 or 60 and over.
0.10% interest rate · $5 monthly fee · Effective Jul 30, 2026
Rate checked
More details - Gouverneur Savings & Loan AssociationMoney Market CheckingMoney Market Checking · $2,500 min · 0.10%–1.01% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: No monthly service charge with $2501.00 daily balance. Limited check writing and withdrawals. Rate is based on tiered balance.
Offer: Monthly service charge fee of $5.00 if balance falls below $2,500.00 any day of the cycle (or no monthly service charge with $2501.00 daily balance).
0.10% interest rate · $5 monthly fee · Effective Jul 30, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY Up to $2,500 0.10% $2,500 – $10,000Your amount 0.10% $10,000 – $50,000 0.75% Over $50,000 1.01% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Includes Primary and Secondary shares.
Offer: Primary, Secondary shares.
0.10% interest rate · Effective Mar 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Open for as little as $5.00. Once your account reaches at least a $100 balance, you start earning money in the form of a dividend.
Offer: Regular Shares. Minimum balance of $100 required to earn dividends.
Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Interest is compounded and credited calendar quarterly. Variable rate account.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Doorway to membership requirement; deposit and maintain at least $5.00. Minimum balance to earn dividends is $100. Dividends calculated on daily balance and paid monthly. Enhanced Loyalty Rewards program may increase rates.
Offer: Minimum balance to earn dividends is $100; $5 minimum to open and maintain account membership.
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must be linked to an NCSB CashBack Rewards Checking account; not available as a standalone product. If the linked checking account is closed, the account converts to a Statement Savings account. No monthly service charges.
Offer: Unqualified / base rate: applies when monthly qualifications on the linked checking account are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 29, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Interest is compounded daily and credited monthly. ATM access available.
Offer: Must maintain a minimum daily balance of $50.00 to obtain disclosed APY.
0.05% interest rate · Compounded daily · Effective Sep 29, 2026
Rate checked
More details - North Country Savings BankMoney Market Statement Savings AccountMoney Market Statement Savings Account · $1,000 min
Bank · 4 branches
0.05%APY$5 a year on $10,0000.05% interest rate · Effective Sep 29, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must be linked to an NCSB Premium Rewards Checking account; not available as a standalone product. If the linked checking account is closed, the account converts to a Statement Savings account. No monthly service charges.
Offer: Unqualified / base rate: applies when monthly qualifications on the linked checking account are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 29, 2026
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Also referred to as Personal Statement Savings. Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $25 or more quarterly, or monthly if set up with a portfolio statement.
Offer: Tier 1: Average daily balance $25 +. Accounts opened online.
0.03% interest rate · No monthly fee · Effective Dec 11, 2025
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $100 or more quarterly, or monthly through a portfolio statement.
Offer: Tier 1: Average daily balance $100 < $2,500 ($100 - $2,499.99). Accounts opened online.
0.03% interest rate · No monthly fee · Effective Dec 11, 2025
Rate checked
More details - North Country Savings BankMoney Market Demand AccountMoney Market Demand Account · $2,500 min
Bank · 4 branches
0.03%APY$3 a year on $10,0000.03% interest rate · Effective Sep 29, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Designed to be held alongside a KeyBank personal checking account. Monthly maintenance fee of $4.00 is waived if the account holder owns a KeyBank consumer checking account (including KeyBank Hassle-Free Account). Variable rate applies to the entire balance.
Offer: Rate applies to entire balance. Monthly fee is waived for owners of a KeyBank consumer checking account (including KeyBank Hassle-Free Account).
0.01% interest rate · $4 monthly fee · Effective Sep 30, 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 Massena, NY metro
32 accounts at 9 banks and credit unions · checked Oct 16
- Typical
- 0.13%
- Top 10% from
- 1.23%
- 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.
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