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 46–60 results in Rochester, NY metro
- 0.10%APY$10 a year on $10,000
Requirements
Product: For Full Service Members
Offer: Full Service Members
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate
Rate checked
More details - Advantage Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.05%–0.12% by balance
Credit union · 7 branches
0.08%APY$8 a year on $10,000Requirements
Product: Minimum balance to open is $2,500. Minimum balance required to maintain the account is $2,000; balances below $2,000 are assessed a monthly $5.00 service charge. Interest is paid monthly and calculated using daily balance method.
Offer: Interest paid monthly; calculated using daily balance method. $5.00 monthly service charge if balance falls below $2,000.
0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $9,999 0.05% $10,000 – $24,999Your amount 0.08% $25,000 – $49,999 0.10% $50,000 and up 0.12% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Requires membership with The Summit FCU and maintaining payment of one share ($5.00 par value). Monthly Account Maintenance Fee of $5.95 applies, deducted from Primary Savings on the last day of the month, waived if monthly Combined Balance is $2,500 or greater, member is 22 or younger, member is 65 or older, or with qualifying direct deposit, 10 or more monthly debit POS transactions, or other exemptions.
Offer: Minimum opening deposit is $5.00 par value. Minimum average daily balance of $100.00 required to earn dividends (fee waived for members <18 years of age). Monthly Account Maintenance Fee of $5.95 waived with $2,500+ combined balance or other qualifying criteria.
0.05% interest rate · $5.95 monthly fee · Effective Aug 31, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Subject to monthly Account Maintenance Fee of $5.95 unless meeting fee waiver criteria.
Offer: Minimum average daily balance of $100 required to earn dividends (waived for members <18 years of age). Monthly Account Maintenance Fee of $5.95 applies unless waived.
0.05% interest rate · $5.95 monthly fee · Effective Aug 31, 2026
Rate checked
More details - Rochester & Monroe County Employees Federal Credit UnionShare/SavingsSavings · $5 min
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Open to employees of the City of Rochester, County of Monroe, certain towns/villages, and individuals who live, work, or worship in the City of Rochester. Opening in-office requires a $5 deposit and a $1 processing fee ($6 total). Earns quarterly dividends.
Offer: Quarterly dividends; $1 processing fee on in-office opening ($5 deposit + $1 fee).
0.05% interest rate · Effective Apr 1, 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: Dividends credited quarterly. Membership requirements apply.
Offer: Dividends credited quarterly.
Effective Sep 22, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Interest is compounded daily and paid/credited quarterly. Share dividends are calculated using the average daily balance method.
Offer: Minimum amount to earn interest on Share Savings is $100. Rates are subject to change and are dependent upon credit rating.
0.05% interest rate · Compounded daily · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Deposit $5 into savings to establish membership and become a shareholding owner-member of Alternatives Federal Credit Union. Membership requires a one-time $2 fee to join Alternatives Fund of Ithaca, Inc. and residency in eligible NY counties. No monthly service fees if enrolled in paperless statements.
Offer: Rate applies to balances from $5 to $9,999.99. Monthly service fee waived with paperless statements.
0.05% interest rate · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Specialty savings account for insurance expenses. Opening minimum is $5 or $5/payroll. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly service fee.
Offer: Rates accurate as of 6/29/2026 and subject to change.
0.05% interest rate · No monthly fee · Effective Jun 29, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Supplemental savings account to set aside money for a specific purpose or purchase. Opening minimum is $5 or $5/payroll. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly maintenance fee.
Offer: Rates accurate as of 6/29/2026 and subject to change.
0.05% interest rate · No monthly fee · Effective Jun 29, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Pledged savings account; opening minimum is per loan contract. Dividends calculated, compounded, and credited quarterly on average daily balance. No monthly service fee.
Offer: Opening minimum per loan contract. Rates accurate as of 6/29/2026 and subject to change.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Jun 29, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Members must maintain $25.00 in the savings/share account and complete one transaction per year in order to keep the account active. Can be linked to checking, subject to Regulation D restrictions.
Offer: Minimum balance $25.00.
0.05% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Savings / Share Account Balance APY Up to $10,000Your amount 0.05% $10,001 and up 0.10% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: Minimum balance $5.00.
0.05% interest rate · Effective Apr 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 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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