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 256–270 results in New York
- Van Cortlandt Cooperative Federal Credit Union (VCCFCU)Share AccountsSavings · $5 min
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: All-purpose savings account that establishes credit union membership. Dividends are declared quarterly and paid on the first day of the following calendar quarter on the average daily balance.
Offer: Dividends compounded daily and declared/paid quarterly.
0.40% interest rate · Compounded daily · Effective Oct 5, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Offer: Minimum $100.00. Variable rate account; rate may change after account is opened. Fees could reduce earnings.
Effective Oct 6, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Initial share amount to open account is $10 ($5 to buy share in Credit Union, $5 to put in account). Minimum balance is $5.00. Average daily balance method used for dividend calculation.
Offer: To earn a dividend, minimum deposit and minimum balance is $300. Dividends calculated using average daily balance method.
0.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Membership requires $50 minimum balance in savings and a $10 one-time membership fee. Rates are variable and may change after account opening.
Offer: Minimum balance of $50 is required to open the account and earn the stated APY. Rates are variable.
0.40% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - North Country Savings BankMoney Market Advantage AccountMoney Market Advantage Account · $1,000 min · 0.25%–1.01% by balance
Bank · 8 branches
0.40%APY$40 a year on $10,000Requirements
Offer: Tier 1- Minimum Daily Balance $1,000.00
0.25% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Market Advantage Account Balance APY $1,000 and up 0.25% $10,000 and upYour amount 0.40% $25,000 and up 0.50% $75,000 and up 1.01% 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 - Affinity Federal Credit UnionMoreSavingsSavings · $5 min · 0.40%–1.50% by balance
Credit union · 3 branches
0.40%APY$40 a year on $10,000Requirements
Product: Tiered savings account with four balance tiers earning dividends based on daily balance. Dividends compounded daily and credited monthly. $5 minimum opening deposit. No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies.
Offer: No monthly service fees when enrolled in eStatements; otherwise $2 monthly paper statement fee applies. If account balance falls below the minimum for a tier, the next lowest tier's APY applies.
0.40% interest rate · Compounded daily · $2 monthly fee · Effective May 28, 2026
Rate by balance
Rate by balance for MoreSavings Balance APY Up to $25,000Your amount 0.40% $25,000 – $100,000 0.55% $100,000 – $250,000 1.00% Over $250,000 1.50% Rate checked
More details - Beginnings Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.30%–0.75% by balance
Credit union · 16 branches
0.40%APY$40 a year on $10,000Requirements
Product: Minimum to open and earn APY is $2,500. Variable rate compounded monthly, may change after account is opened. Fees may reduce earnings. No monthly service fees.
Offer: Compounded Monthly. Variable rate.
Compounded monthly · No monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 and up 0.75% Rate checked
More details - Town of Cheektowaga Federal Credit UnionShare AccountsSavings · $0 min · 0.40%–0.80% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Primary account for all members; must have a minimum balance of $20.00 to remain active. Represents share of ownership in the Credit Union. Calculation is based upon average quarterly balance (or average daily balance); dividends are disbursed/paid and compounded quarterly on the last day of the quarter.
Offer: Calculation is based upon the member's average quarterly balance. Dividends are disbursed and compounded on the last day of the quarter.
0.40% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Share Accounts Balance APY Up to $25,000Your amount 0.40% $25,000 – $100,000 0.60% $100,000 – $1,000,000 0.80% Rate checked
More details - Walden Savings BankAdvantage Savings AccountSavings · $10,000 min · 0.30%–0.50% by balance
Bank · 11 branches
0.40%APY$40 a year on $10,000Requirements
Product: Tiered savings account. Monthly service fee of $5.00 is waived with an average monthly balance of $100.00. Interest is compounded and credited monthly; accrued uncredited interest is forfeited upon withdrawal.
Offer: Monthly service fee of $5.00 waived by maintaining a $100.00 average monthly balance.
0.30% interest rate · $5 monthly fee · Effective Jun 5, 2026
Rate by balance
Rate by balance for Advantage Savings Account Balance APY Up to $9,999 0.30% $10,000 – $49,999Your amount 0.40% $50,000 and up 0.50% Rate checked
More details - Saratoga's Community Federal Credit UnionMoney Market CHECKINGMoney Market CHECKING · $50 min · 0.00%–0.80% by balance
Credit union · 2 branches
0.40%APY$40 a year on $10,000Requirements
Product: Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.
Offer: Dividends earned on average daily balances of $50.00 to $250,000. Maximum balances $250,000.
0.10% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for Money Market CHECKING Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.23% $10,000 – $25,000Your amount 0.40% $25,000 – $250,000 0.80% $250,000 and up 0.00% Rate checked
More details - Fox Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.35%–0.75% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,0000.35% interest rate · Effective Feb 1, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.35% $10,000 and upYour amount 0.40% $25,000 and up 0.45% $50,000 and up 0.50% $500,000 and up 0.75% Rate checked
More details - Champlain National BankChamplain Privilege Money MarketChamplain Privilege Money Market · $25 min · 0.27%–1.29% by balance
Bank · 10 branches
0.37%APY$37 a year on $10,000Requirements
Product: The rate is variable and may change after the account is opened.
Offer: The rate is variable and may change after the account is opened.
Effective Jul 13, 2025
Rate by balance
Rate by balance for Champlain Privilege Money Market Balance APY Up to $10,000 0.27% $10,000 – $25,000Your amount 0.37% $25,000 – $50,000 0.77% $50,000 – $75,000 1.04% $75,000 and up 1.29% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Three withdrawals allowed per month after which a fee will be imposed and withdrawal amounts must be at least $300.00. Dividends compounded and posted quarterly.
Offer: Minimum opening deposit of $2500.00. Three withdrawals allowed per month after which a fee will be imposed and withdrawal amounts must be at least $300.00. Dividends compounded and posted quarterly.
0.35% interest rate · Effective Apr 1, 2026
Rate checked
More details - People's Alliance Federal Credit UnionMoney Market Account (Special Performance (S.P.) Account)Money Market Account (Special Performance (S.P.) Account) · $2,500 min · 0.35%–0.75% by balance
Credit union · 7 branches
0.35%APY$35 a year on $10,000Requirements
Product: A minimum balance of $2,500.00 must be maintained. Allows a maximum of six withdrawals (no more than three by check) per month with no minimum investment period. Dividends are paid and compounded monthly. Membership eligibility requirements apply.
0.35% interest rate · Compounded monthly · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Account (Special Performance (S.P.) Account) Balance APY $2,500 – $24,999Your amount 0.35% $25,000 – $49,999 0.50% $50,000 – $99,999 0.50% $100,000 – $249,999 0.70% $250,000 and up 0.75% 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 New York
717 accounts at 293 banks and credit unions · checked Oct 16–23
- Typical
- 0.20%
- Top 10% from
- 2.72%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.25%
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New York
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ontario Shores FCUCredit union · 5 branches
- Quorum Federal Credit UnionCredit union · 1 branch
- SJP Federal Credit UnionCredit union · 1 branch