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 421–435 results in New York, NY-NJ metro
- 0.03%APY$3 a year on $10,000
Requirements
Product: No minimum balance requirements. Dividends posted quarterly on balances of $100 or greater. A $5 deposit in a Base Savings account is required for credit union membership.
Offer: Dividends compounded quarterly.
0.03% interest rate · Compounded quarterly
Rate checked
More details - First Financial Federal Credit UnionBase SavingsSavings · $5 min · 0.01%–0.03% by balance
Credit union · 4 branches
0.03%APY$3 a year on $10,000Requirements
Product: A $5 minimum initial deposit in a Base Savings Account is required for credit union membership prior to opening any other account. Membership is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 monthly service fee is imposed if balance falls below $5. All personal memberships are part of the Rewards First program with a $5/month non-participation fee for memberships not meeting minimum requirements.
Offer: Tier: Bronze. Dividends compounded quarterly.
0.03% interest rate · Compounded quarterly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Base Savings Balance APY Up to $25,000Your amount 0.03% $25,000 and upTier: Silver. 0.03% $50,000 and upTier: Gold. 0.02% $100,000 and upTier: Platinum. 0.02% $250,000 and upTier: Diamond. 0.01% Rate checked
More details - First Financial Federal Credit UnionPremium Money Market AccountPremium Money Market Account · $1,000 min · 0.01%–0.03% by balance
Credit union · 4 branches
0.03%APY$3 a year on $10,000Requirements
Product: Membership requires living, working, worshiping, volunteering, or attending school in Monmouth or Ocean Counties, plus a $5 base savings deposit. $20 monthly service fee if balance falls below $1,000.
Offer: Bronze tier. Dividends compounded and posted monthly. $20 monthly service fee if balance falls below $1,000.
0.03% interest rate · $20 monthly fee
Rate by balance
Rate by balance for Premium Money Market Account Balance APY $1,000 – $25,000Your amount 0.03% $25,000 – $50,000Silver tier. 0.03% $50,000 – $100,000Gold tier. 0.02% $100,000 – $250,000Platinum tier. 0.01% $250,000 and upDiamond tier. 0.01% Rate checked
More details - 0.03%APY$3 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
Qualified rate · 0.03% interest rate · $4.50 monthly fee
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 172 branches
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 - The Bank of PrincetonPriority Money MarketPriority Money Market · $2,500 min · 0.03%–0.07% by balance
Bank · 13 branches
0.03%APY$3 a year on $10,000Requirements
Product: $2,500 daily minimum balance required to earn interest and to avoid a $25.00 monthly service charge.
Offer: $2,500 minimum balance to obtain APY.
0.03% interest rate · $25 monthly fee
Rate by balance
Rate by balance for Priority Money Market Balance APY $2,500 – $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $249,999 0.05% $250,000 and up 0.07% Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: A minimum balance of $300 must be maintained in the account each day to avoid a monthly service charge of $5.00. Service charges waived on custodial accounts until minor reaches 18 years of age. Interest earned on every dollar.
Offer: A minimum balance of $300 must be maintained each day to avoid $5.00 monthly service charge; fee waived on custodial accounts until minor reaches 18.
0.03% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Wise Savings Balance APY Up to $9,999 0.03% $10,000 – $49,999Your amount 0.03% $50,000 – $249,999 0.05% $250,000 and up 0.05% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: $0 minimum deposit to open in a financial center ($25 to open online). Rate is variable and may change after the account is opened. Fees could reduce earnings.
Offer: No minimum balance required to earn the APY. $0 minimum deposit to open in a financial center ($25 to open online). Rate is variable and may change after the account is opened. Fees could reduce earnings.
0.02% interest rate · Effective Oct 23, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: $5 monthly fee waived by maintaining $300 daily balance, linking TD Beyond/Complete/Relationship Checking account, or for account holders age 18 or under / 62 or older. Standard APY applies to all tiers.
Offer: Standard APY for all tiers
$5 monthly fee
Rate checked
More details - 0.02%APY$2 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: Base rate applied to all balances if monthly qualifications in linked checking account are not met.
Qualified rate · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - USALLIANCE FinancialMyLife SavingsSavings · $0 min · 0.02%–2.00% by balance
Credit union · 3 branches
0.02%APY$2 a year on $10,000Requirements
Product: Tiered rate structure. No monthly maintenance fees and no minimum balance required. Rate may change daily. Term DD/DW.
Offer: Applies to the first $500. $1.00 minimum balance required. Rate may change daily. Term DD/DW.
1.98% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for MyLife Savings Balance APY Up to $500 2.00% Over $500Your amountApplies to amounts over $500. 0.02% Rate checked
More details - Hudson Valley Credit UnionPremier Savings AccountsSavings · $0 min · 0.02%–3.25% by balance
Credit union · 4 branches
0.02%APY$2 a year on $10,000with conditionsRequirements
Product: Limited to one joint owner and only one account per primary member. To qualify, must receive an aggregate minimum of $500 monthly in qualifying direct deposit(s) to primary checking account and maintain an average daily share balance of $500 in primary checking account. If not met, converts to traditional savings account.
Qualified rate · 0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier Savings Accounts Balance APY Up to $25,000Your amount 0.02% $25,000 – $50,000 0.02% $50,000 – $75,000 2.25% $75,000 – $100,000 2.75% $100,000 and up 3.25% Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Requires a separate Primary Savings membership account with a $0.01 minimum balance. $100 monthly deposit requirement.
Offer: Earn up to $1,000 towards closing costs ($1 for every $5 deposited) when obtaining a mortgage loan through HVCU; requires account open for minimum 10 months with $100 monthly deposits and mortgage closing approval within 36 months of opening.
0.02% interest rate · Effective Oct 1, 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 New York, NY-NJ metro
477 accounts at 181 banks and credit unions · checked Oct 22–24
- 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