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 31–45 results in Monroe County, NY · Showing Monroe County, NY: too few institutions in Webster, NY
- 0.10%APY$10 a year on $10,000
Requirements
Product: Membership eligibility required. $5.00 and Photo ID required when opening account. Minimum balance requirement is $5.00.
0.10% interest rate · Effective Aug 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Quarterly service charge of $5.00 waived if accountholder maintains an average quarterly balance of $100 or more or is 21 years of age or younger.
Offer: $5 quarterly maintenance fee waived with an average quarterly account balance of $100 or more or for accountholders 21 years of age or younger.
0.10% interest rate · Effective Sep 25, 2026
Rate checked
More details - Reliant Credit UnionSavings DividendSavings · $100 min · 0.05%–0.10% by balance
Credit union · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: Your first $5.00 deposit represents your share in the credit union and gives you voting rights at annual meetings, remaining on deposit for the life of your membership. A $5 monthly low-balance fee applies if the total balance (including all sub-accounts) is less than $100 on the last business day of the month; waived if the member maintains a combined balance of at least $100 across deposit/loan accounts, for owners under age 18, or during the first 3 months. Dividends calculated, compounded, and credited monthly based on average daily balance.
Offer: Rates accurate as of 6/29/2026 and subject to change. $5 monthly fee waived if combined balance is at least $100, account is open less than 3 months, or owner is under 18.
0.05% interest rate · $5 monthly fee · Effective Jun 29, 2026
Rate by balance
Rate by balance for Savings Dividend Balance APY $100 – $1,000 0.05% $1,000 and upYour amount 0.10% Rate checked
More details - ESL Federal Credit UnionMoney Maker AccountMoney Maker Account · $2,500 min · 0.05%–0.45% by balance
Credit union · 18 branches
0.10%APY$10 a year on $10,000Requirements
Product: No monthly service fees or minimum balance fees. Balances qualify for the Owners' Dividend subject to eligibility. Rates are variable and paid monthly.
Offer: Minimum balance to obtain APY is $1.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Maker Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.25% $50,000 and up 0.45% Rate checked
More details - ESL Federal Credit UnionMoney Maker AccountSavings · $2,500 min · 0.05%–0.45% by balance
Credit union · 18 branches
0.10%APY$10 a year on $10,0000.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Maker Account Balance APY Up to $2,500 0.05% $2,500 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.25% $50,000 and up 0.45% 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: 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
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