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 166–180 results in New York, NY-NJ metro
- 0.55%APY$55 a year on $10,000with conditions
Requirements
Product: Infinity Saver account is only available with an Infinity Pro+, Infinity Cash or Infinity Cash Back checking account. Monthly rewards and ATM fee refunds from the checking account are automatically transferred to Infinity Saver. No monthly maintenance fee.
Offer: Qualifications met in linked Infinity Pro+, Infinity Cash, or Infinity Cash Back account each monthly qualification cycle.
Qualified rate · No monthly fee · Effective Oct 4, 2026
Rate checked
More details - 0.53%APY$53 a year on $10,000
0.52% interest rate · Effective Oct 3, 2026
Rate checked
More details - United Poles Federal Credit UnionMoney MarketMoney Market · $0 min · 0.05%–1.26% by balance
Credit union · 3 branches
0.51%APY$51 a year on $10,0000.05% interest rate · Effective Sep 27, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $20,000Your amount 0.51% $20,000 – $50,000 0.76% $50,000 – $100,000 1.01% $100,000 and up 1.26% Rate checked
More details - Garden Savings FCUHigh Yield SavingsSavings · $0 min · 0.00%–0.50% by balance
Credit union · 6 branches
0.50%APY$50 a year on $10,0000.00% interest rate
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $1,000 0.00% $1,000 – $2,500 0.30% $2,500 and upYour amount 0.50% Rate checked
More details - The Berkshire BankGold Money Market AccountGold Money Market Account · $2,500 min · 0.00%–2.28% by balance
Bank · 5 branches
0.50%APY$50 a year on $10,000Requirements
Product: Available to individuals and new money only. New money is defined as funds not on deposit at The Berkshire Bank for more than 30 days. No ATM/Debit Card Allowed. Up to 10 transfers or withdrawals per calendar month (or statement cycle of at least 4 weeks); $3 excess transaction fee for each debit over 10.
Offer: Balances of $0 – $2,499.99 do not earn interest. Minimum daily balance of $2,500 avoids $10 monthly maintenance fee. Minimum opening deposit of $2,500 required.
$10 monthly fee · Effective Sep 3, 2026
Rate by balance
Rate by balance for Gold Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $20,000Your amount 0.50% $20,000 – $4,999,999 2.02% $5,000,000 – $10,000,000 2.15% $10,000,000 and up 2.28% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Quarterly and monthly prize drawing eligibility.
0.50% interest rate
Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must link a Kasasa Cash or Kasasa Cash Back checking account. eStatements are required. If qualifications are met in linked checking (at least 12 debit card purchases, enroll and log in to Online Banking, and at least 1 direct deposit or ACH payment/credit): earns 0.50% APY up to $10,000, 0.25% interest rate on balance over $10,000 resulting in 0.50%-0.27% APY; if qualifications not met, earns 0.02% APY on all balances. Limit one account per SSN. Personal accounts only.
Offer: When qualifications are met in Kasasa Cash or Kasasa Cash Back checking account: 12 debit card purchases, enroll and log in to online banking, and at least 1 direct deposit or ACH payment/credit per monthly qualification cycle; eStatements required.
Qualified rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - Peoples Security Bank & TrustRelationship Money MarketRelationship Money Market · $2,500 min · 0.50%–2.13% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Enhanced consumer money market when linked to an active PSBT personal checking account with one recurring qualifying direct deposit, an active debit card, and online banking enrollment. Interest rates are tiered based on aggregated relationship balance. Interest is variable, compounded and credited monthly using the daily balance method. A $2,500.00 minimum balance is required to earn interest. $8.00 monthly service charge if average daily balance falls below $2,500.00; marketing also states no monthly fee with a linked account. Offered in PA, NY, and NJ.
Offer: Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00.
Qualified rate · 0.50% interest rate · $8 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Relationship Money Market Balance APY $2,500 – $100,000Your amount 0.50% $100,000 – $250,000 0.65% $250,000 – $1,000,000 1.08% $1,000,000 – $5,000,000 1.30% $5,000,000 and up 2.13% Rate checked
More details - 0.50%APY$50 a year on $10,000
0.50% interest rate · Effective May 14, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Minimum Opening Deposit is $5.00. Earn dividends from day of deposit to day of withdrawal. Dividends are posted quarterly.
Offer: Minimum balance to earn APY/interest is $100. Dividends paid quarterly.
0.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: $2,500.00 minimum balance required to open a Money Market Account. If the balance falls below $2,500.00, a lesser interest rate will be paid than the prevailing interest rate with a balance of $2,500.00 or more.
Offer: The minimum balance shown is required to achieve the stated Annual Percentage Yield. If the balance falls below $2,500.00, a lesser interest rate will be paid than the prevailing interest rate with a balance of $2,500.00 or more.
0.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Passbook must be present for in-branch transactions; mobile banking functionality limited to view only.
Offer: Minimum balance of $100.00 required to achieve stated APY.
0.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Unlimited deposits and withdrawals. Must possess a valid Social Security number to use mobile banking or view account. Daily balance method used to calculate interest.
Offer: Minimum balance of $100.00 required to achieve stated APY.
0.49% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Can only transfer in online; mobile banking limited to view only. All withdrawals must be in person with a valid ID present. Electronic statements opt-in required.
Offer: Minimum balance of $100.00 required to achieve stated APY.
0.49% interest rate · Effective Apr 30, 2025
Rate checked
More details - The Atlantic Federal Credit UnionSmart SavingsSavings · $100 min · 0.01%–2.50% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: $100 minimum daily balance requirement to avoid a $10 monthly maintenance fee. Excessive transactions may result in fees.
Offer: $100 minimum daily balance required to waive $10 monthly fee
0.01% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Smart Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 2.50% $50,000 – $100,000 2.50% $100,000 – $250,000 2.50% $250,000 and up 2.50% 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 New York, NY-NJ metro
476 accounts at 181 banks and credit unions · checked Oct 16–23
- Typical
- 0.25%
- Top 10% from
- 3.00%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.25%
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New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches