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 Commack, NY
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Personal accounts only. $5 monthly maintenance charge waived with at least a $300 average daily collected balance, or by maintaining a Flagstar personal checking relationship, or if the primary account owner is 24 years of age or younger.
Offer: Standard non-promotional rate applies to balances under $10,000 ($0.01 or greater). $5 monthly maintenance fee waived if average daily collected balance is at least $300, or with an owner relationship on a Flagstar personal checking account with a balance of at least $0.01, or if primary account owner is 24 or younger.
Promotional rate · $5 monthly fee · Effective Oct 17, 2026
Rate by balance
Rate by balance for Flagstar Ready Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amountMust be a new personal savings client and deposit new money. $1 minimum opening deposit. Reverts to standard non-promotional rate after 180 days. Early account closure fee may apply if closed within 180 days. 4.00% Rate checked
More details - Apple BankApple Bank Choice Money Market AccountApple Bank Choice Money Market Account · $2,500 min
Bank · 1 branch
3.55%APY$355 a year on $10,000Requirements
Product: Open at branch locations. Can be linked with Choice Checking in the Apple Choice Banking Program for preferred rates. No monthly maintenance fee regardless of account balance. Must maintain a minimum daily balance of $2,500.00 each day to earn stated APY.
Offer: Preferred Rate through Apple Choice Banking Program Elite tier: Primary owner of Choice Checking who meets Premier tier requirements (maintain $2,500 min daily balance in Choice Checking, or 1 qualifying ACH deposit, or enroll in paperless statements), is primary/secondary owner of Choice Money Market, conducts 5 qualifying credit/debit transactions of at least $25 each in Choice Checking per statement cycle, and maintains $2,500 minimum balance in Choice Money Market on evaluation date. Preferred rate is 0.50% above standard interest rate.
3.48% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.20%APY$320 a year on $10,000
Requirements
Product: Rates may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. Please refer to our fee schedule for details. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.
Offer: Rates may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account. Please refer to our fee schedule for details. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.
3.15% interest rate · Effective Oct 5, 2026
Rate checked
More details - Apple BankApple Bank Choice Money Market AccountApple Bank Choice Money Market Account · $2,500 min
Bank · 1 branch
3.03%APY$303 a year on $10,000Requirements
Product: Open at branch locations. Can be linked with Choice Checking in the Apple Choice Banking Program for preferred rates. No monthly maintenance fee regardless of account balance. Must maintain a minimum daily balance of $2,500.00 each day to earn stated APY.
Offer: Standard rate. Must maintain a minimum daily balance of $2,500.00 each day to earn the stated APY.
2.98% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Available in select markets/states to applicants with qualifying residential address. Monthly service fee is waived for accounts with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Everyday Benefits tier. Rates apply to ZIP 57108 (OUT pricing region). $4.50 monthly fee waived with $500+ average monthly balance or linked Citi checking account.
2.96% interest rate · $4.50 monthly fee
Rate checked
More details - Suffolk Credit UnionSave Your Way AccountSavings · $5 min · 0.00%–2.50% by balance
Credit union · 1 branch
2.50%APY$250 a year on $10,000intro rateRequirements
Product: Promotional offer valid for accounts opened between June 1 and August 31, 2026 with new money. Promotional rate of 2.50% APY applies to balances up to $250,000 until December 31, 2026. Balances over $250,000 earn 0.05% APY. One free withdrawal per month; additional withdrawals incur a $10 fee. Standard schedule rate is 0.05% APY for balances $100 and greater.
Promotional rate · 0.00% interest rate · Effective Jun 1, 2026
Rate by balance
Rate by balance for Save Your Way Account Balance APY Up to $100 0.00% $100 – $250,000Your amountPromotional rate valid for accounts opened between June 1 and August 31, 2026 with new money; rate applies until December 31, 2026. 2.50% Over $250,000 0.05% Rate checked
More details - Apple BankApple Advantage Money Market AccountApple Advantage Money Market Account · $10,000 min
Bank · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Available in branch.
1.48% interest rate · Effective Oct 1, 2026
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: The dividend rate and annual percentage yield may change every quarter. The dividend rate for your account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account.
Offer: The dividend rate and annual percentage yield may change every quarter. The dividend rate for your account will be equal to the average of the past three months’ dividend rates on the 6-Month Term Certificate Account. The minimum balance required to open this account is $100. If the balance in this account drops below $100 on any day, the account will be closed and the remaining balance will be transferred to a Share Savings account.
0.98% interest rate · Effective Oct 5, 2026
Rate checked
More details - Teachers Federal Credit UnionTiered Money MarketTiered Money Market · $2,500 min · 0.50%–1.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership at Teachers is required by opening a Regular Savings or Youth Savings account with a minimum deposit of $1.00. Minimum balance of $2,500.00 required to earn current APY. $5 monthly charge assessed if account remains under $500. Dividends are compounded daily and paid monthly.
0.50% interest rate · Compounded daily · Effective Aug 28, 2025
Rate by balance
Rate by balance for Tiered Money Market Balance APY $2,500 – $25,000Your amount 0.50% $25,000 – $50,000 0.55% $50,000 – $100,000 0.70% $100,000 – $250,000 0.90% $250,000 – $500,000 1.00% $500,000 and up 1.00% Rate checked
More details - Suffolk Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.25%–2.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: $5 membership share required. Minimum $2,500 opening deposit. Minimum daily balance of $2,500 to avoid $15 monthly service fee. Up to 3 withdrawals per month permitted without fee.
Offer: Minimum daily balance of $2,500 required to avoid $15 monthly service fee. $5 membership share required.
0.25% interest rate · $15 monthly fee · Effective Aug 14, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $25,000Your amount 0.25% $25,000 – $50,000 0.50% $50,000 – $100,000 0.50% $100,000 – $250,000 0.70% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.75% $1,000,000 and up 2.50% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone.
Offer: Variable rate for daily collected balance range 0 - $9,999.99. No minimum deposit required to open; no minimum balance required to obtain APY.
0.20% interest rate · Effective Jul 15, 2026
Rate checked
More details - Jovia Credit UnionMoney MarketMoney Market · $2,500 min · 0.20%–1.00% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Minimum balance to earn APY is based on a 30-day month. Fees could reduce earnings on the account. Rates on Savings and Checking accounts may change after the account is opened. A minimum of $5 must be maintained in a Savings account to have access to all of our products and services.
Offer: Minimum to earn APY is $2,500.00 (based on a 30-day month).
0.20% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $24,999Your amount 0.20% $25,000 – $49,999Minimum to earn APY is $25,000.00 (based on a 30-day month). 0.30% $50,000 – $99,999Minimum to earn APY is $50,000.00 (based on a 30-day month). 0.40% $100,000 – $249,999Minimum to earn APY is $100,000.00 (based on a 30-day month). 0.55% $250,000 – $999,999Minimum to earn APY is $250,000.00 (based on a 30-day month). 0.75% $1,000,000 and upMinimum to earn APY is $1,000,000.00 (based on a 30-day month). 1.00% Rate checked
More details - 0.12%APY$12 a year on $10,000with conditions
Requirements
Product: Available in select markets/regions. Monthly service fee is waived with a linked Citi checking account, an average monthly balance of $500 or more, or enrollment in Citi Priority, Citigold, or Citigold Private Client relationship tiers. Accounts with a zero balance for 90 calendar days are subject to closure.
Offer: Citigold Private Client relationship tier (requires $800,000 CAMB in Eligible Deposit and Investment accounts). Rates apply to ZIP 57108 (OUT pricing region). Monthly fee waived for Citigold Private Client tier.
Qualified rate · 0.12% interest rate · $4.50 monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a U.S. citizen or lawful permanent resident with a U.S. physical address (or military APO/FPO), at least 18 years old, and have a U.S.-based mobile phone. Paperless customer requirement: must agree to electronic delivery of disclosures/communications and maintain a valid email address.
Offer: Variable standard rate for daily collected balance range $0.01 - $9,999.99. No minimum balance required to obtain disclosed APY.
0.10% interest rate · Effective May 20, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% 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 Commack, NY
36 accounts at 13 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 3.02%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.23%
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New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
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- USALLIANCE FinancialCredit union · 3 branches