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 Utica, NY metro
- 0.51%APY$51 a year on $10,000
Requirements
Product: Minimum balance of $2,000.00 required at all times. Members are allowed up to three (3) withdrawals per month and each withdrawal must be a minimum of $250.00. Dividends are compounded monthly and paid monthly.
Offer: Account withdrawal limitations apply (up to 3 withdrawals per month, minimum $250.00 per withdrawal). Minimum balance to obtain APY is $2,000.00.
0.50% interest rate · Compounded monthly
Rate checked
More details - Utica District Telephone Employees Federal Credit UnionRegular SharesSavings · $50 min
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Dividends compounded and credited monthly. Calculated by average daily balance method. Transaction limitations: max 6 transfers/withdrawals per statement period (max 3 by check/draft/debit card).
Offer: Minimum to obtain APY is $50.00.
0.40% interest rate
Rate checked
More details - AmeriCU Credit UnionHigh Rate Money MarketHigh Rate Money Market · $10,000 min · 0.40%–1.00% by balance
Credit union · 5 branches
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. Insured by NCUA. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier.
Offer: Standard APY applied if premium qualification requirements are not met.
Qualified rate · 0.40% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for High Rate Money Market Balance APY $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 – $1,000,000 0.90% $1,000,000 and up 1.00% Rate checked
More details - AmeriCU Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.01%–1.00% by balance
Credit union · 5 branches
0.40%APY$40 a year on $10,000Requirements
Product: This variable rate savings option pays dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
0.01% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $500 0.01% $500 – $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 – $1,000,000 0.90% $1,000,000 and up 1.00% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Compounded and credited quarterly.
Offer: Compounded and credited quarterly. Minimum balance to earn APY is $25.00.
0.35% interest rate
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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Membership eligibility required. Variable rate, compounded and paid monthly.
Offer: Minimum balance of $50.01 required to earn interest. $5 minimum deposit to open. No monthly service or maintenance fees.
0.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A $5.00 minimum deposit is required to establish and maintain your membership. Must maintain a minimum balance of $25.00 each day to obtain the disclosed APY. No monthly service fees.
Offer: Must maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield for that day. Prime share savings minimum balance is $5.00. No monthly service fees.
0.25% interest rate · No monthly fee · Effective Jun 7, 2018
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Other share accounts (vacation, taxes etc.) can be opened and closed at any time. Dividends earned on balances greater than $25.
Offer: Must maintain a minimum balance of $25.00 in your account each day to obtain the disclosed annual percentage yield for that day. Covers Vacation Clubs / other share accounts.
0.25% interest rate · Effective Jun 7, 2018
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Requires membership eligibility and a $5 minimum deposit at account opening. Variable rate account; rates subject to change without notice. Fees can reduce earnings.
Offer: Minimum balance to earn dividends is $0.01. $5 minimum deposit required at account opening.
0.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Allows saving for specific goals with automatic deposit options. Withdrawals allowed at any time. Variable rate account; rates subject to change without notice. Membership eligibility required. Fees can reduce earnings.
Offer: Minimum balance to earn dividends is $0.01.
0.25% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Dividends are compounded and paid based on the average daily balance method. Interest is paid monthly on balances over $100.00.
Offer: Dividends are compounded and paid based on the average daily balance method. Interest is paid monthly on balances over $100.00.
0.25% interest rate · Effective Sep 1, 2025
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A minimum deposit of $25.00 is required to become a member. Dividends are earned on balances over $50.00 and are compounded and paid monthly.
0.25% interest rate
Rate checked
More details - 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 - 0.15%APY$15 a year on $10,000
Requirements
Product: Represents ownership share in Mohawk Valley FCU.
0.15% 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 Utica, NY metro
39 accounts at 17 banks and credit unions · checked Sep 30–Oct 17
- Typical
- 0.35%
- Top 10% from
- 1.30%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.40%
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Utica, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Utica Gas & Electric Federal Credit UnionCredit union · 1 branch
- Remington Federal Credit UnionCredit union · 1 branch
- G.P.O. Federal Credit UnionCredit union · 7 branches