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 New York
- 3.80%APY$380 a year on $10,000with conditions
Requirements
Product: Online-only product. Must have Hana Bank USA checking account to receive promotional APY.
Offer: $10 monthly service charge waived if average daily balance of $500 is maintained. Must have Hana Bank USA checking account to receive promotional APY.
Qualified rate · $10 monthly fee · Effective Sep 28, 2026
Rate checked
More details - 3.80%APY$380 a year on $10,000
Requirements
Product: Open online; individual or joint account. Must be a U.S. citizen or permanent resident, 18 years or older with U.S. residential address (no P.O. Box). Funded via ACH from a single linked account.
Offer: Earns 3.80% APY on all balances over $0.01. Interest accrues daily, compounds monthly, and is paid monthly. No account fees.
No monthly fee · Effective Jan 8, 2026
Rate checked
More details - Ridgewood Savings BankSmart Move Money Market AccountSmart Move Money Market Account · $10,000 min · 0.25%–3.75% by balance
Bank · 37 branches
3.75%APY$375 a year on $10,000Requirements
Product: Limited to consumers who do not have a deposit account either personally or as joint owner at Ridgewood. One Smart Move Money Market account per customer and must be opened online. For balances $0 - $9,999.99 there is no interest. The $15 monthly maintenance fee is waived if a balance of $5,000 is maintained at the end of the statement cycle. Monthly fee of $5 for paper statements. Overdraft coverage is not offered.
Offer: Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements.
3.63% interest rate · $15 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Smart Move Money Market Account Balance APY $10,000 – $75,000Your amount 3.75% $75,000 – $125,000 3.75% $125,000 – $250,000 3.75% Over $250,000 0.25% Rate checked
More details - 3.75%APY$375 a year on $10,000intro rate
Requirements
Product: Account must be funded within 90 days of opening to remain open. Enhanced FDIC coverage available up to $500,000 for individual accounts ($1M for joint).
Offer: Standard base rate. Variable and subject to change at any time.
Promotional rate · 3.68% interest rate · No monthly fee · Effective Oct 5, 2026
Rate checked
More details - 3.56%APY$356 a year on $10,000
Requirements
Product: Variable rate account; rates may change after account opening. Dividends are compounded and credited monthly; accounts must remain open through the end of the dividend period to receive accrued dividends.
Offer: Applies to balances of $500 and above. Anticipated monthly dividends that may change based on market conditions.
Effective Oct 1, 2026
Rate checked
More details - 3.56%APY$356 a year on $10,000with conditions
Requirements
Product: Must be linked to an NCSB CashBack Rewards Checking account; not available as a standalone product. If the linked checking account is closed, the account converts to a Statement Savings account. No monthly service charges.
Offer: Qualified rate: requires meeting monthly qualifications on linked CashBack Rewards Checking (at least 10 debit card purchases post and clear per cycle, at least 1 ACH direct deposit or ACH external withdrawal post and clear per cycle, and enrollment in electronic statements via EagleNET).
Qualified rate · 3.50% interest rate · No monthly fee · Effective Sep 29, 2026
Rate checked
More details - 3.56%APY$356 a year on $10,000with conditions
Requirements
Product: Must be linked to an NCSB Premium Rewards Checking account; not available as a standalone product. If the linked checking account is closed, the account converts to a Statement Savings account. No monthly service charges.
Offer: Qualified rate: requires meeting monthly qualifications on linked Premium Rewards Checking (at least 10 debit card purchases post and clear per cycle, at least 1 ACH direct deposit or ACH external withdrawal post and clear per cycle, and enrollment in electronic statements via EagleNET).
Qualified rate · 3.50% interest rate · No monthly fee · Effective Sep 29, 2026
Rate checked
More details - 3.56%APY$356 a year on $10,000
Requirements
Product: Available exclusively through digital banking platform. "New Money" only. Rates are variable and subject to change without notice.
Offer: Offered as of 4/20/2026. APY applies to balances from $1,000 to $250,000. Daily minimum balance of $1,000 is required to earn interest. No monthly service charges and no minimum balance requirements to waive fees. "New Money" only.
Balance cap $250,000 · No monthly fee · Effective Apr 20, 2026
Rate checked
More details - Apple BankApple Bank Choice Money Market AccountApple Bank Choice Money Market Account · $2,500 min
Bank · 75 branches
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 - 3.55%APY$355 a year on $10,000with conditions
Requirements
Product: Open through eBranch. Available to individual members (Business Accounts are not eligible). No minimum deposit or balance required. No monthly fee. Funds can be transferred to/from Power Checking (transfers to other accounts not permissible). Funds may not be used for overdraft protection. Accounts closed before end of month forgo interest. Member Service-assisted transactions incur a fee.
Offer: Four-Star Award: Meet requirements for preceding level (maintain Power Checking Account, use VISA Debit Card for at least 4 purchases/month, sign up for eDocs) and make at least 3 bill payments per month using ePay Bill Pay. Also gets ePay for free.
Qualified rate · 3.50% interest rate · No monthly fee · Effective Apr 15, 2026
Rate checked
More details - 3.55%APY$355 a year on $10,000
Requirements
Product: $5.00 monthly service charge waived if average daily balance per statement cycle of $100.00 is maintained. $100.00 – $10,000 average daily balance to earn interest.
3.50% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Lufthansa Employee Federal Credit UnionMoney Market Account (POA)Money Market Account (POA) · 1.00%–3.51% by balance
Credit union · 1 branch
3.51%APY$351 a year on $10,000intro rateRequirements
Product: Minimum balance is $1,500 but can be built up in installments. No withdrawal restrictions. For active employees, savings can be transferred directly from payroll. Fully insured up to $250,000 by the NCUA.
Offer: For amounts below $1,500.00, rate is equal to Share Account rate (1.00% APY / 1.00% APR). Interest compounded monthly.
Promotional rate · 1.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account (POA) Balance APY Up to $1,500 1.00% $1,500 and upYour amountOctober rate. 3.51% Rate checked
More details - 3.50%APY$350 a year on $10,000intro rate
Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.
Offer: Base rate for opening SmartStep Installment Savings Account.
Qualified rate · Balance cap $15,000 · Effective Apr 29, 2026
Rate checked
More details - 3.50%APY$350 a year on $10,000
Balance cap $1,000,000 · No monthly fee · Effective Oct 5, 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 New York
716 accounts at 293 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 2.68%
- 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