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 Monroe County, NY · Showing Monroe County, NY: too few institutions in Webster, NY
- Alternatives Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.25%–0.85% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Membership requires a one-time $2 fee to enroll in the Alternatives Fund of Ithaca, Inc. and a $5 deposit into a savings account. Field of membership includes specific NY counties.
0.25% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $2,500 0.25% $2,500 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.70% $100,000 and up 0.85% Rate checked
More details - Rochester & Monroe County Employees Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.05%–0.60% by balance
Credit union · 2 branches
0.45%APY$45 a year on $10,000Requirements
Product: All new credit union members are required to open and fund a savings account. Membership open to employees of City of Rochester, County of Monroe, select towns/villages, and individuals who live, work, or worship in the City of Rochester. Variable interest rates; monthly dividends.
0.05% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.45% $25,000 – $50,000 0.55% $50,000 and upDeposits of $50,000 or more are required to obtain the highest rate. 0.60% Rate checked
More details - Genesee Regional BankElite Money MarketElite Money Market · $0 min · 0.40%–1.00% by balance
Bank · 3 branches
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Elite rates and yields are reserved for GRB Elite Banking customers only. Accountholders qualify for Elite Banking with $50,000 in consumer accounts combined (excluding CDs) or $100,000 in personal and business accounts combined (excluding CDs). Interest calculated using Daily Balance Method.
Offer: No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers.
Qualified rate · 0.40% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Elite Money Market Balance APY Up to $50,000Your amount 0.40% $50,000 – $100,000 0.55% $100,000 – $250,000 0.65% $250,000 – $500,000 0.80% $500,000 and up 1.00% Rate checked
More details - Northwest BankAffinity Premier Money MarketAffinity Premier Money Market · $25 min · 0.25%–0.85% by balance
Bank · 2 branches
0.30%APY$30 a year on $10,000with conditionsRequirements
Product: Must have Affinity Premier Checking account to qualify. Monthly service charge of $10 can be avoided with an Affinity Premier Checking or $2,500 average daily balance. Variable rate account; rates valid only for accounts opened online.
Offer: Must have Affinity Premier 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 Premier Checking or $2,500 average daily balance.
Qualified rate · $10 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Affinity Premier Money Market Balance APY Up to $5,000 0.25% $5,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.35% $100,000 – $250,000 0.85% $250,000 – $5,000,000 0.85% $5,000,000 and up 0.85% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: A $5 balance in Super Savings or Checking is required to maintain credit union membership. Membership subject to eligibility. Dividends posted to share account monthly.
Offer: Six free ATM withdrawals per month ($2.00 fee thereafter at non-Pittsford FCU machines).
No monthly fee · Effective Oct 1, 2026
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 - Genesee Regional BankMoney MarketMoney Market · $2,500 min · 0.25%–1.00% by balance
Bank · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: $2,500 minimum to open a regular Money Market account. Limited withdrawals and transfers each month.
0.25% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.25% $25,000 – $50,000 0.40% $50,000 – $100,000 0.45% $100,000 – $5,000,000 0.55% $5,000,000 and up 1.00% 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 - 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 · 18 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 · 18 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 - 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
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 Monroe County, NY
71 accounts at 29 banks and credit unions · checked Oct 6–22
- Typical
- 0.08%
- Top 10% from
- 1.00%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.09%
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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