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 31–45 results in Rochester, NY metro
- 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - Northwest BankAffinity Plus Money MarketAffinity Plus Money Market · $25 min · 0.10%–0.30% by balance
Bank · 2 branches
0.20%APY$20 a year on $10,000with conditionsRequirements
Product: Must have Affinity Plus Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Plus Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Plus 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 Plus Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Plus Money Market Balance APY Up to $5,000 0.10% $5,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 – $5,000,000 0.30% $5,000,000 and up 0.30% Rate checked
More details - Greece Community Federal Credit UnionMoney Market AccountsMoney Market Accounts · $0 min · 0.10%–0.30% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Offer: Min Balance $5.00
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.15% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.25% $50,000 and up 0.30% Rate checked
More details - ESL Federal Credit UnionPremier Money Maker AccountPremier Money Maker Account · $10,000 min · 0.00%–0.50% by balance
Credit union · 27 branches
0.20%APY$20 a year on $10,000Requirements
Product: Balances qualify for the Owners' Dividend subject to eligibility. $15.00 monthly average balance fee applies if monthly average balance falls below $25,000.
Offer: Minimum balance to obtain APY is $1. Monthly fee waived with average monthly balance of $25,000 or more.
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Premier Money Maker Account Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.30% $50,000 – $100,000 0.45% $100,000 – $250,000 0.45% $250,000 and up 0.50% Rate checked
More details - ESL Federal Credit UnionPremier Money Maker AccountSavings · $10,000 min · 0.00%–0.50% by balance
Credit union · 27 branches
0.20%APY$20 a year on $10,000Requirements
Product: Monthly average balance fee of $15.00 applies if below $25,000; waived if balance is $25,000 or more.
0.00% interest rate
Rate by balance
Rate by balance for Premier Money Maker Account Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.10% $10,000 – $25,000Your amount 0.20% $25,000 – $50,000 0.30% $50,000 – $250,000 0.45% $250,000 and up 0.50% Rate checked
More details - Family First Federal Credit UnionMoneyBuilderSavings · $1,500 min · 0.05%–0.15% by balance
Credit union · 5 branches
0.10%APY$10 a year on $10,000Requirements
Product: Tiered interest rate savings account. Variable rate account where dividend rate and APY may change weekly. Dividends compounded daily and credited monthly on ledger balance. No minimum opening balance, but balances below Tier 1 ($1,500) do not earn dividends. Maximum of 6 preauthorized/automatic transfers per statement period.
Offer: Tier 1: Balance of $1,500 to $9,999 required to earn dividend.
Compounded daily
Rate by balance
Rate by balance for MoneyBuilder Balance APY $1,500 – $9,999 0.05% $10,000 – $49,999Your amount 0.10% $50,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Visit local branch to open.
Offer: Variable rate account.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Establishes membership and represents ownership in GVFCU.
No monthly fee · Effective Oct 16, 2026
Rate checked
More details - Northwest BankAffinity Money MarketAffinity Money Market · $25 min · 0.05%–0.20% by balance
Bank · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: Monthly service charge of $10 can be avoided with an Affinity Checking or $2,500 average daily balance. Designed to work alongside your checking account. Variable rate account; rates valid only for accounts opened online.
Offer: 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 Checking or $2,500 average daily balance.
$10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Money Market Balance APY Up to $5,000 0.05% $5,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.15% $100,000 – $250,000 0.20% $250,000 – $5,000,000 0.20% $5,000,000 and up 0.20% 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: Membership eligibility required. $5.00 and Photo ID required when opening account. Minimum balance requirement is $5.00.
0.10% interest rate · Effective Aug 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Quarterly service charge of $5.00 waived if accountholder maintains an average quarterly balance of $100 or more or is 21 years of age or younger.
Offer: $5 quarterly maintenance fee waived with an average quarterly account balance of $100 or more or for accountholders 21 years of age or younger.
0.10% interest rate · Effective Sep 25, 2026
Rate checked
More details - Reliant Credit UnionSavings DividendSavings · $100 min · 0.05%–0.10% by balance
Credit union · 10 branches
0.10%APY$10 a year on $10,000Requirements
Product: Your first $5.00 deposit represents your share in the credit union and gives you voting rights at annual meetings, remaining on deposit for the life of your membership. A $5 monthly low-balance fee applies if the total balance (including all sub-accounts) is less than $100 on the last business day of the month; waived if the member maintains a combined balance of at least $100 across deposit/loan accounts, for owners under age 18, or during the first 3 months. Dividends calculated, compounded, and credited monthly based on average daily balance.
Offer: Rates accurate as of 6/29/2026 and subject to change. $5 monthly fee waived if combined balance is at least $100, account is open less than 3 months, or owner is under 18.
0.05% interest rate · $5 monthly fee · Effective Jun 29, 2026
Rate by balance
Rate by balance for Savings Dividend Balance APY $100 – $1,000 0.05% $1,000 and upYour amount 0.10% Rate checked
More details - ESL Federal Credit UnionMoney Maker AccountMoney Maker Account · $2,500 min · 0.05%–0.45% by balance
Credit union · 27 branches
0.10%APY$10 a year on $10,000Requirements
Product: No monthly service fees or minimum balance fees. Balances qualify for the Owners' Dividend subject to eligibility. Rates are variable and paid monthly.
Offer: Minimum balance to obtain APY is $1.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Maker Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.25% $50,000 and up 0.45% Rate checked
More details - ESL Federal Credit UnionMoney Maker AccountSavings · $2,500 min · 0.05%–0.45% by balance
Credit union · 27 branches
0.10%APY$10 a year on $10,0000.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Maker Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.25% $50,000 and up 0.45% 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