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 Latham, NY
- 3.50%APY$350 a year on $10,000intro rate
Rate checked
More details - 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Requires having a Beacon Bank checking account with an ownership relationship. Variable premium interest rate. Fees may reduce earnings.
Offer: Variable premium interest rate subject to change without notice. Requires an ownership relationship on a Beacon Bank checking account.
Qualified rate · Effective Sep 18, 2026
Rate checked
More details - Hudson Valley Credit UnionTiered Money Market AccountTiered Money Market Account · $1,000 min · 0.15%–0.50% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Membership required. Subject to a monthly fee per Fee Schedule, waived by maintaining a minimum daily balance of $1,000.
Offer: First Tier rate. Monthly fee waived with a minimum daily balance of $1,000.
0.15% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Tiered Money Market Account Balance APY $1,000 and up 0.15% $10,000 and upYour amountSecond Tier rate. 0.15% $50,000 and upThird Tier rate. 0.20% $100,000 and upFourth Tier rate. 0.30% $250,000 and upFifth Tier rate. 0.50% 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 - 0.05%APY$5 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 checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
Offer: Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Citizens Private Client® Money Market Balance APY Up to $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $49,999 3.50% $50,000 – $99,999 3.50% $100,000 – $249,999 3.50% $250,000 – $499,999 3.50% $500,000 – $999,999 3.50% $1,000,000 – $2,999,999 3.50% $3,000,000 and up 3.50% Rate checked
More details - PioneerPinnacle Money MarketPinnacle Money Market · $1,000 min · 0.03%–0.10% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Minimum opening balance of $1,000. All rates are variable and may change after account is opened. Fees may reduce earnings.
Offer: Tier I
Effective Nov 25, 2025
Rate by balance
Rate by balance for Pinnacle Money Market Balance APY Up to $2,500 0.03% $2,500 – $10,000Tier II 0.03% $10,000 – $25,000Your amountTier III 0.03% $25,000 – $50,000Tier IV 0.05% $50,000 – $100,000Tier V 0.05% $100,000 – $500,000Tier VI 0.05% $500,000 – $1,000,000Tier VII 0.05% $1,000,000 and upTier VIII 0.10% Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Minimum balance (average daily balance) of $250 required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. Interest is compounded daily and credited monthly. Rates are variable and may change after account is opened.
Offer: Minimum balance of $250 required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. All rates are variable and may change after account is opened.
0.03% interest rate · Compounded daily · $1 monthly fee · Effective Nov 25, 2025
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Minimum balance ($100 average daily balance for the month) required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. Interest is compounded daily and credited monthly. Rates are variable and may change after account is opened. Features include Pioneer ATM card and Pocket Change when linked to a Pioneer checking account.
Offer: Minimum balance of $100 ($100 average daily balance for the month) required to avoid monthly service charge of $1.00. No minimum balance required to earn interest. All rates are variable and may change after account is opened.
0.03% interest rate · Compounded daily · $1 monthly fee · Effective Nov 25, 2025
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: $5 monthly fee waived by maintaining $300 daily balance, linking TD Beyond/Complete/Relationship Checking account, or for account holders age 18 or under / 62 or older. Standard APY applies to all tiers.
Offer: Standard APY for all tiers
$5 monthly fee
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Variable interest rate account. No service charges when $250 minimum balance is maintained. Minimum daily ledger balance to obtain annual percentage yield is $250. Interest compounds quarterly and is credited on the last business day of each quarter.
Offer: Minimum daily ledger balance of $250 to earn stated APY and avoid service charge. Interest compounds quarterly.
0.02% interest rate
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - Chemung Canal Trust CompanyMoney Market AccountMoney Market Account · $1,000 min · 0.02%–0.03% by balance
Bank · 1 branch
0.02%APY$2 a year on $10,000Requirements
Product: Tiered interest rate based on daily ledger balance. Variable interest rate. Monthly service charge of $10 if daily ledger balance is less than $1,000. No interest paid on daily ledger balances below $1,000. Maximum six checks per month. Unlimited in-person/ATM withdrawals or automatic loan payment transfers.
Offer: Monthly service charge of $10 if daily ledger balance is less than $1,000. No interest is earned on daily ledger balances under $1,000.
0.02% interest rate · $10 monthly fee · Effective Jan 2, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $24,999Your amount 0.02% $25,000 and up 0.03% Rate checked
More details - Hudson Valley Credit UnionPremier Savings AccountsSavings · $0 min · 0.02%–3.25% by balance
Credit union · 1 branch
0.02%APY$2 a year on $10,000with conditionsRequirements
Product: Limited to one joint owner and only one account per primary member. To qualify, must receive an aggregate minimum of $500 monthly in qualifying direct deposit(s) to primary checking account and maintain an average daily share balance of $500 in primary checking account. If not met, converts to traditional savings account.
Qualified rate · 0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier Savings Accounts Balance APY Up to $25,000Your amount 0.02% $25,000 – $50,000 0.02% $50,000 – $75,000 2.25% $75,000 – $100,000 2.75% $100,000 and up 3.25% 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 Latham, NY
26 accounts at 10 banks and credit unions · checked Oct 3–22
- Typical
- 0.02%
- Top 10% from
- 0.13%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.02%
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Albany, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Sunmark Credit UnionCredit union · 14 branches
- TCT FCUCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 1 branch