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 286–300 results in New York, NY-NJ metro
- Unity BankOpportunity Money Market AccountOpportunity Money Market Account · $1 min · 0.00%–0.10% by balance
Bank · 18 branches
0.10%APY$10 a year on $10,000Requirements
Product: Account has minimum balance requirements to avoid service charge. Rates, terms, and conditions are subject to change without notice.
Offer: Account has minimum balance requirements to avoid service charge.
Effective Dec 2, 2024
Rate by balance
Rate by balance for Opportunity Money Market Account Balance APY Up to $2,000 0.00% $2,000 – $10,000 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No monthly fees. No minimum balance required.
Offer: Minimum to earn Dividend is $0. Minimum to open is $0. Fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Open with a $5 minimum deposit to establish XCEL membership. Earn dividends on balances over $50. No monthly fees. No minimum balance required.
Offer: Minimum to earn Dividend is $50. Minimum to open is $5. Fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone. Paperless customer requirement: must agree to electronic delivery of disclosures/communications and maintain a valid email address.
Offer: Variable standard rate for daily collected balance range $0.01 - $9,999.99. No minimum balance required to obtain disclosed APY.
0.10% interest rate · Effective May 20, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - Flagstar BankFlagstar Performance SavingsSavings · $1 min · 0.10%–3.20% by balance
Bank · 136 branches
0.10%APY$10 a year on $10,000Requirements
Product: Personal accounts only. Initial minimum opening deposit to earn higher rate is $25,000. Account must be funded within 90 days of approval date. Early closure fee may apply if closed within 180 days. $15 monthly service charge waived with at least a $10,000 average daily collected balance or with a Flagstar personal checking relationship.
Offer: Tier 1 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or if owner of a Flagstar personal checking account with balance of at least $0.01.
$15 monthly fee
Rate by balance
Rate by balance for Flagstar Performance Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier 2 balance rate. 0.10% $25,000 – $50,000Tier 3 balance rate. 3.20% $50,000 – $100,000Tier 4 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $100,000 – $500,000Tier 5 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% $500,000 and upTier 6 balance rate. $15 monthly maintenance fee waived if average daily collected balance is at least $10,000 or with personal checking relationship. 3.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum balance required to open and maintain is $2,500. Must maintain a minimum daily balance of $2,500 to obtain the disclosed APY. If balance falls below required minimum, subject to a below minimum balance fee. Maximum six automated withdrawals or transfers per month (up to three can be checks cleared). Variable rate account. Membership eligibility applies.
Offer: Variable rate. Earn on balances over $2,500. Minimum daily balance of $2,500 to earn disclosed APY. Subject to below minimum balance fee if account falls below $2,500. Maximum 6 withdrawals or transfers per month.
0.10% interest rate · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Sub-Accounts 091-092. Accounts below the minimum balance of $500.00 are subject to a $5.00 per month maintenance fee. Limit of 6 withdrawals drawn against the Money Market account each month; minimum withdrawal is $500. Dividends are compounded daily and credited monthly.
Offer: Daily balance equal to or above $500.00 earns stated rate. Accounts below the $500.00 minimum balance are subject to a $5.00 per month maintenance fee.
0.10% interest rate · Compounded daily · $5 monthly fee
Rate checked
More details - FourLeaf Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.10%–1.00% by balance
Credit union · 37 branches
0.10%APY$10 a year on $10,000Requirements
Product: Membership required (requires opening and maintaining a $5 Savings Account). Variable APY applies by balance tier to the entire balance based on daily ending balance. Minimum balance requirement of $5.00 to open online and $1.00 when opened in a branch.
Offer: Tier 1: 0.10% APY and 0.10% Dividend Rate for balances $0.00 - $499.99.
0.10% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $500 0.10% $500 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.25% $250,000 – $500,000 0.40% $500,000 and up 1.00% Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate
Rate checked
More details - The Berkshire BankMoney Market CheckingMoney Market Checking · $2,500 min · 0.10%–0.20% by balance
Bank · 5 branches
0.10%APY$10 a year on $10,000Requirements
Product: Limited check writing privileges, imaged statements, and competitive pricing.
Offer: Average daily collected balance of $2,500 avoids $10 monthly fee.
0.10% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Checking Balance APY $2,500 – $24,999Your amount 0.10% $25,000 – $49,999 0.15% $50,000 – $99,999 0.15% $100,000 – $999,999 0.20% $1,000,000 and up 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: A minimum balance of $5.00 is required to maintain credit union membership and be eligible for additional credit union services. To obtain the disclosed APY, a minimum balance of $50.00 must be maintained.
Offer: To obtain the disclosed APY, a minimum balance must be maintained.
0.10% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.
0.00% interest rate · $3 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Platinum Savings Balance APY Up to $100 0.00% $100 – $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.25% $50,000 – $100,000 1.00% $100,000 and up 1.00% Rate checked
More details - United Teletech FinancialEstate Money MarketEstate Money Market · $1,000 min
Credit union · 6 branches
0.10%APY$10 a year on $10,000Requirements
Product: Minimum balance of $1,000 to avoid a service fee and earn stated APY. Maximum 6 electronic preauthorized, automatic, or telephone transfers per month. Must maintain membership share ($5.00).
0.10% interest rate · Effective Jan 1, 2022
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Primary account for all members; dividends paid quarterly based on average daily balance; requires a minimum balance of $5.00 to remain active.
Offer: Dividends paid quarterly based on average daily balance. Minimum balance of $5.00 to remain active.
0.10% interest rate
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 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