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 61–75 results in New York, NY-NJ metro
- Hanover BankElite High Yield Personal Money MarketElite High Yield Personal Money Market · $5,000 min
Bank · 10 branches
2.85%APY$285 a year on $10,000Requirements
Product: $5,000 minimum daily balance required to earn interest and avoid a $10 monthly service fee. Surcharge-free ATM transactions at over 55,000 participating Allpoint ATMs. Unlimited transfers. Free online & mobile banking, eStatements, and ATM/debit card. No check writing privileges. Variable rate product.
Offer: $5,000 minimum daily balance required to earn interest and avoid $10 monthly service fee. No check writing privileges.
$10 monthly fee · Effective Oct 30, 2025
Rate checked
More details - 2.80%APY$280 a year on $10,000
Requirements
Product: Limited Availability.
Offer: Tier for daily balance of $100,000 or less.
2.77% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for High-Yield Digital Savings Balance APY Up to $100,000Your amount 2.80% $100,001 and up 3.50% Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Rate is variable and subject to change after the account is open. Fees may reduce earnings. Excessive transfers or withdrawals may result in fees.
Offer: No minimum balance required to earn APY. Rate is variable and subject to change after account opening.
2.71% interest rate · Effective Aug 10, 2026
Rate checked
More details - 2.75%APY$275 a year on $10,000intro rate
Requirements
Product: Smart Savings is free of monthly maintenance charges. Rate is variable and subject to change after the account is open. Fees may reduce earnings. Excessive transfers or withdrawals may result in fees.
Offer: Variable rate subject to change after the account is open. No minimum balance required to earn APY. Free of monthly maintenance charges.
Promotional rate · 2.71% interest rate · No monthly fee · Effective Aug 10, 2026
Rate checked
More details - First Atlantic Federal Credit UnionMega Money MarketMega Money Market · $1,000 min · 2.00%–3.60% by balance
Credit union · 3 branches
2.75%APY$275 a year on $10,000intro rateRequirements
Product: APY offer is valid for new money only. Funds used to open and subsequently fund this account must be new to First Atlantic Federal Credit Union; transfers from existing First Atlantic accounts do not qualify. A minimum deposit of $1,000 is required to open this account ($0 stated on product overview table; $1,000 minimum balance to earn dividends). Paper statement fee is $2/month, waived with eStatements.
Offer: New money only. Rate applies to entire balance if daily balance is $1,000 or more.
Promotional rate · 1.99% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Mega Money Market Balance APY $1,000 – $10,000 2.00% $10,000 – $25,000Your amount 2.75% $25,000 – $50,000 3.50% $50,000 – $100,000p14 table shows rate 3.54% / APY 3.60%). 3.60% $100,000 and upRate applies to entire balance if daily balance is $50,000.00 or more. 3.60% Rate checked
More details - First Atlantic Federal Credit UnionMoney MarketMoney Market · $1,000 min · 2.00%–3.50% by balance
Credit union · 3 branches
2.75%APY$275 a year on $10,000Requirements
Product: Annual Percentage Yield (APY) is available for as long as you maintain the required minimum daily balance. Fees may reduce account earnings. Dividends are computed on an average daily balance and paid monthly. Minimum deposit to open is $0 (or $1,000 to earn dividends). Paper statement fee is $2/month, waived with eStatements.
1.99% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $10,000 2.00% $10,000 – $25,000Your amount 2.75% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 and up 3.50% Rate checked
More details - First Atlantic Federal Credit UnionMagnum Money MarketMagnum Money Market · $0 min · 0.00%–3.75% by balance
Credit union · 3 branches
2.75%APY$275 a year on $10,000intro rateRequirements
Product: APY offer is valid for new money only. Funds used to open this account must be new to First Atlantic Federal Credit Union; transfers from existing First Atlantic accounts do not qualify.
Offer: New money only.
Promotional rate · 0.00% interest rate · Effective Oct 2, 2026
Rate by balance
Rate by balance for Magnum Money Market Balance APY Up to $1,000 0.00% $1,000 – $10,000 2.00% $10,000 – $25,000Your amount 2.75% $25,000 – $50,000 3.50% $50,000 – $100,000 3.60% $100,000 and up 3.75% Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - Affinity Federal Credit UnionSmartStart SavingsSavings · $5 min · 0.50%–2.65% by balance
Credit union · 18 branches
2.65%APY$265 a year on $10,000Requirements
Product: Limit one account per member. Requires Affinity membership. Tiered rate structure paying higher rate on balances up to $10,000 and 0.50% on portion over $10,000. Blended APY ranges from 2.65% to 0.59%. Dividends compounded monthly and credited monthly. No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. Initial opening deposit $5.00.
Offer: Rate applies to daily balance up to $10,000. $2 monthly paper statement fee waived if enrolled in eStatements within 45 days, or for members aged 62+, children aged 17 and under, Savvy Saver, and tenant accounts.
2.62% interest rate · Compounded monthly · $2 monthly fee · Effective May 28, 2026
Rate by balance
Rate by balance for SmartStart Savings Balance APY Up to $10,000Your amount 2.65% Over $10,000blended APY ranges from 2.65% to 0.59% depending on balance. $2 monthly paper statement fee waived if enrolled in eStatements. 0.50% Rate checked
More details - Hanmi BankSimple Money MarketSimple Money Market · $100 min · 0.05%–2.80% by balance
Bank · 2 branches
2.60%APY$260 a year on $10,000Requirements
Product: A maintenance charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.
Offer: Monthly maintenance charge of $5 waived when average daily balance for the statement cycle is $500 or more.
$5 monthly fee · Effective Dec 11, 2025
Rate by balance
Rate by balance for Simple Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 2.60% $100,000 and up 2.80% Rate checked
More details - Cross RiverI Connect/E Connect Tiered SavingsSavings · $0 min · 1.75%–3.40% by balance
Bank · 1 branch
2.55%APY$255 a year on $10,0001.74% interest rate · No monthly fee · Effective Dec 17, 2025
Rate by balance
Rate by balance for I Connect/E Connect Tiered Savings Balance APY Up to $10,000 1.75% $10,000 – $50,000Your amount 2.55% $50,000 – $250,000 3.10% $250,000 – $1,000,000 3.25% $1,000,000 and up 3.40% Rate checked
More details - 2.53%APY$253 a year on $10,000
Requirements
Product: Savings products interest rates are subject to terms and conditions and may change at any time and without prior notice.
Offer: Savings products interest rates are subject to terms and conditions and may change at any time and without prior notice.
2.50% interest rate · Effective Oct 1, 2025
Rate checked
More details - Generations United Federal Credit UnionGenerations United Supreme Savings AccountSavings · $1,000 min
Credit union · 1 branch
2.53%APY$253 a year on $10,000Requirements
Product: Must maintain a minimum balance of $1,000.00 to earn stated APY.
Offer: Must maintain a minimum balance of $1,000.00.
2.50% interest rate
Rate checked
More details - Generations United Federal Credit UnionGenerations United Supreme Savings AccountSavings · $1,000 min
Credit union · 1 branch
2.53%APY$253 a year on $10,000Requirements
Product: Must maintain a minimum balance of $1,000.00 to earn stated APY.
Offer: Dividends compounded and credited monthly; minimum daily balance of $1,000 required to earn stated APY.
2.50% interest rate · Effective Oct 29, 2025
Rate checked
More details - Generations United Federal Credit UnionGenerations United Supreme Savings AccountSavings · $1,000 min
Credit union · 1 branch
2.53%APY$253 a year on $10,000Requirements
Product: Must maintain a minimum balance of $1,000.00 to earn stated APY.
Offer: Dividends compounded and credited monthly; minimum daily balance of $1,000 required to earn stated APY.
2.50% interest rate · Effective Oct 29, 2025
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
475 accounts at 181 banks and credit unions · checked Oct 16–22
- 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