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 1–15 results in Oneonta, NY metro
- Wayne BankHigh Yield Money Market Deposit AccountHigh Yield Money Market Deposit Account · $2,500 min · 1.00%–3.00% by balance
Bank · 2 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account that includes two out of the three following criteria: a debit card, direct deposit, and/or a $25,000 balance at the time the High Yield MMDA account is opened. Only one High Yield MMDA account per customer.
Offer: Daily Balance: None – $25,000.00. Available to consumers maintaining a qualifying checking account (Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking) meeting 2 of 3 criteria (debit card, direct deposit, $25,000 balance). Limit one account per customer. $10 fee if daily balance is less than $2,500.
Qualified rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for High Yield Money Market Deposit Account Balance APY Up to $25,000Your amount 3.00% Over $25,000 1.00% Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Product: Membership required for eligibility. Approved rates are applied to average balances at month-end.
2.47% interest rate · Effective Sep 21, 2026
Rate checked
More details - Wayne BankPremium Money Market Deposit AccountPremium Money Market Deposit Account · $2,500 min
Bank · 2 branches
1.51%APY$151 a year on $10,000with conditionsRequirements
Product: Available to consumers that maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at the time the Premium MMDA is opened.
Offer: Must maintain a Simply Free, Wayne Wallet, Rewards, Personal, or NOW Checking account with monthly direct deposit at opening. Accounts with a daily balance of less than $2,500 are subject to a $10 monthly service fee.
Qualified rate · $10 monthly fee · Effective Oct 6, 2026
Rate checked
More details - Visions Federal Credit UnionFlex Money MarketFlex Money Market · $5,000 min · 1.00%–2.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,0001.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Flex Money Market Balance APY Up to $100,000Your amount 1.00% $100,000 – $250,000 1.25% $250,000 – $500,000 1.50% $500,000 – $1,000,000 1.75% $1,000,000 and up 2.00% Rate checked
More details - Broadview Federal Credit UnionMoney MarketMoney Market · $1 min · 0.10%–3.05% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Broadview membership is required. A $1 initial deposit is required to open an account. Rates are variable and may change after account is opened. Fees and other conditions may reduce earnings.
Offer: Rate is variable and may change after account is opened.
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 1.90% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.05% Rate checked
More details - Broadview Federal Credit UnionHigh Yield SavingsSavings · $0 min · 0.10%–3.05% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Features tiered rate structure: the more you save, the more you earn. Broadview membership required. Rate may be variable and subject to change.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 1.90% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.05% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Membership required for eligibility. Minimum balance requirement $5.00. Dividend on average daily balances of $100. Rates approved monthly and subject to change without notice.
Offer: Dividend on average daily balances of $100. Minimum balance requirement $5.00.
Effective Sep 21, 2026
Rate checked
More details - Sidney FCUMoney Management AccountSavings · $2,500 min · 0.07%–0.15% by balance
Credit union · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: Membership eligibility required. Maintain the required $2,500 average daily balance to earn dividends.
Offer: Membership eligibility required. Maintain the required $2,500 average daily balance to earn dividends.
0.07% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Management Account Balance APY $2,500 and up 0.07% $5,000 and upMaintain the required average daily balance to earn dividends. 0.10% $10,000 and upYour amountMaintain the required average daily balance to earn dividends. 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Accounts with a daily balance of less than $2,500 will be subject to a $10.00 monthly service fee (consumer and business MMDA).
Offer: Accounts with a daily balance of less than $2,500 will be subject to a $10.00 monthly service fee.
$10 monthly fee · Effective Oct 6, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Track progress for all goals. Create and track multiple accounts. Save for individual goals. Broadview membership required. Rate may be variable and subject to change.
0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Broadview membership is required. 24/7 access to all money, schedule transfers to build savings. Rate may be variable and subject to change after account opening.
0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Designed to help save for longer-term goals with automatic transfers from Wayne Bank checking. Accounts with daily balances below $200 are subject to a $2.00 monthly service fee.
Offer: Interest is earned on daily balances of $50 or more. Accounts with daily balances below $200 are subject to a $2.00 monthly service fee.
$2 monthly fee · Effective Oct 6, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Primary membership savings account requires a $5 minimum balance. Additional savings accounts may be added. Average daily balance of $118 required to earn APY.
Offer: Dividends calculated by average daily balance method. Minimum balance to earn APY is $118. No monthly maintenance fees.
0.05% interest rate · No monthly fee · Effective Oct 5, 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
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 Oneonta, NY metro
17 accounts at 7 banks and credit unions · checked Oct 16
- Typical
- 0.10%
- Top 10% from
- 1.91%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.20%
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Oneonta, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Leatherstocking Credit UnionCredit union · 1 branch
- Broadview Federal Credit UnionCredit union · 1 branch