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 16–30 results in Rochester, NY metro
- Spencerport Federal Credit UnionMoney Market ShareMoney Market Share · $2,000 min · 0.03%–0.90% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Variable rate account; dividend rate and APY may change monthly (every 30 days). Dividends compounded and credited quarterly on the ledger balance using the daily balance method. Minimum initial deposit and minimum account balance is $2,000.00. Minimum deposit is $100.00. Minimum withdrawal is $500.00 with a maximum of 3 withdrawals per month. If the account drops below $2,000.00, it is closed and transferred to a regular share account, and dividends are not paid for any month in which the balance falls below $2,000.00.
Offer: Dividends will not be paid for any month in which the balance falls below the $2000.00 minimum, and the account will be closed and transferred to regular share account.
0.03% interest rate · No monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Share Balance APY Up to $1,999 0.03% $2,000 – $9,999 0.50% $10,000 – $24,999Your amount 0.75% $25,000 and up 0.90% Rate checked
More details - Reliant Credit UnionDaily Money Savings AccountSavings · $1,000 min · 0.50%–1.10% by balance
Credit union · 10 branches
0.75%APY$75 a year on $10,000Requirements
Product: Combines features of savings and checking with tiered dividends. Dividends accrue daily for balances of $1,000 or greater and are paid monthly; if closed prior to dividend period end, dividends paid up to date of withdrawal. No monthly service fee. Mobile check deposit is not available.
Offer: Rates accurate as of 6/29/2026 and subject to change.
0.50% interest rate · No monthly fee · Effective Jun 29, 2026
Rate by balance
Rate by balance for Daily Money Savings Account Balance APY $1,000 – $2,500 0.50% $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.90% $50,000 – $100,000 1.05% $100,000 – $150,000 1.05% $150,000 – $250,000 1.10% $250,000 and up 1.10% Rate checked
More details - Ever $ Green Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.40%–1.10% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,0000.40% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.40% $2,500 – $10,000 0.55% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.95% $50,000 and up 1.10% Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Initial deposit of $1 establishes Empower membership and is required to open and maintain account. Dividends are compounded daily and posted monthly. Dividends may be paid only from current income and accumulated earnings after required transfers to reserves.
Offer: Tier 1.
0.55% interest rate · Compounded daily · Effective Apr 11, 2023
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Dividends may be paid only from current income and accumulated earnings after required transfers to reserves. Early withdrawal penalty may apply.
Offer: Tier 1.
0.55% interest rate · Effective Apr 11, 2023
Rate checked
More details - Finger Lakes Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 0.40%–0.85% by balance
Credit union · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum deposit to open is $2,500. Dividend rate and APY may change weekly as determined by the Credit Union's Board of Directors. Minimum withdrawals on Money Market accounts must be $500; ATM withdrawals are not permitted. Dividends paid weekly.
0.40% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 and up 0.40% $10,000 and upYour amount 0.50% $25,000 and up 0.60% $50,000 and up 0.65% $100,000 and up 0.75% $250,000 and up 0.85% Rate checked
More details - Alternatives Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.25%–0.85% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership requires a one-time $2 fee to enroll in the Alternatives Fund of Ithaca, Inc. and a $5 deposit into a savings account. Field of membership includes specific NY counties.
0.25% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $2,500 0.25% $2,500 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.70% $100,000 and up 0.85% Rate checked
More details - Rochester & Monroe County Employees Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.05%–0.60% by balance
Credit union · 2 branches
0.45%APY$45 a year on $10,000Requirements
Product: All new credit union members are required to open and fund a savings account. Membership open to employees of City of Rochester, County of Monroe, select towns/villages, and individuals who live, work, or worship in the City of Rochester. Variable interest rates; monthly dividends.
0.05% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.45% $25,000 – $50,000 0.55% $50,000 and upDeposits of $50,000 or more are required to obtain the highest rate. 0.60% Rate checked
More details - Genesee Regional BankElite Money MarketElite Money Market · $0 min · 0.40%–1.00% by balance
Bank · 3 branches
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Elite rates and yields are reserved for GRB Elite Banking customers only. Accountholders qualify for Elite Banking with $50,000 in consumer accounts combined (excluding CDs) or $100,000 in personal and business accounts combined (excluding CDs). Interest calculated using Daily Balance Method.
Offer: No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers.
Qualified rate · 0.40% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Elite Money Market Balance APY Up to $50,000Your amount 0.40% $50,000 – $100,000 0.55% $100,000 – $250,000 0.65% $250,000 – $500,000 0.80% $500,000 and up 1.00% Rate checked
More details - Northwest BankAffinity Premier Money MarketAffinity Premier Money Market · $25 min · 0.25%–0.85% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Must have Affinity Premier Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Premier Checking account to qualify. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Monthly fee of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Premier Money Market Balance APY Up to $5,000 0.25% $5,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.35% $100,000 – $250,000 0.85% $250,000 – $5,000,000 0.85% $5,000,000 and up 0.85% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: A $5 balance in Super Savings or Checking is required to maintain credit union membership. Membership subject to eligibility. Dividends posted to share account monthly.
Offer: Six free ATM withdrawals per month ($2.00 fee thereafter at non-Pittsford FCU machines).
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Genesee Valley FCUMoney Market AccountMoney Market Account · $0 min · 0.10%–0.65% by balance
Credit union · 3 branches
0.30%APY$30 a year on $10,000Requirements
Product: Maintain a minimum of $2,500 to avoid the monthly service charge.
Offer: Maintain a minimum of $2,500 to avoid the monthly service charge.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.30% $25,000 – $49,000 0.40% $50,000 – $100,000 0.50% $100,000 and up 0.65% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - Genesee Regional BankMoney MarketMoney Market · $2,500 min · 0.25%–1.00% by balance
Bank · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: $2,500 minimum to open a regular Money Market account. Limited withdrawals and transfers each month.
0.25% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.25% $25,000 – $50,000 0.40% $50,000 – $100,000 0.45% $100,000 – $5,000,000 0.55% $5,000,000 and up 1.00% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Open to members of Ontario Shores FCU. Initial share deposit of $5.00 required.
0.25% 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
What savings accounts pay in Rochester, NY metro
86 accounts at 36 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.18%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.10%
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Rochester, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 1 branch
- Pittsford Federal Credit UnionCredit union · 2 branches
- Canandaigua National BankBank · 26 branches