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 Binghamton, NY metro
- 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: Online-exclusive high-yield savings. $25 minimum to open. $5 monthly minimum-balance fee if average daily balance falls below $100, refunded with recurring direct deposit. Product spec states $0.01 minimum to earn interest; the rate table says no minimum. Interest compounded and credited quarterly. In-branch withdrawals are assessed a $15 fee.
Offer: Rate after the 6-month Online Savings New Customer Special introductory period; variable and may change at any time. No minimum balance to earn interest.
Promotional rate · 2.97% interest rate · $5 monthly fee · Effective Aug 12, 2026
Rate checked
More details - Peoples Security Bank & TrustOnline SavingsSavings · $25 min · 3.00%–3.21% by balance
Bank · 2 branches
3.00%APY$300 a year on $10,000intro rateRequirements
Product: Online-exclusive high-yield savings. $25 minimum to open. $5 monthly minimum-balance fee if average daily balance falls below $100, refunded with recurring direct deposit. Product spec states $0.01 minimum to earn interest; the rate table says no minimum. Interest compounded and credited quarterly. In-branch withdrawals are assessed a $15 fee.
Offer: New Customer Special: 3.35% promotional interest rate for the first 6 months. 3.21% is a blended APY over the first 12 months, not a standalone post-promo APY. New customers only; anyone who currently has or had an open PSBT account in the past six months is ineligible. After 6 months the account converts to the standard Online Savings rate. No minimum balance to earn interest. Promo as-of dates conflict: 2026-08-12 on the deposit-rate page vs 2026-07-21 on the product page.
Promotional rate · 3.35% interest rate · $5 monthly fee · Effective Aug 12, 2026
Rate by balance
Rate by balance for Online Savings Balance APY Any balance 3.21% Over $0Your amountStandard variable Online Savings rate. Rate table states no minimum balance to obtain APY; product spec states $0.01 minimum to earn. $5 monthly fee if average daily balance is below $100; refunded with recurring direct deposit. 3.00% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Enhanced rates require being the primary owner of a qualifying MaxEarnings Checking account. Variable rates; no minimum balance required to earn interest. Product page: $5 monthly fee if average daily balance falls below $25, refunded with recurring direct deposit. Comparison table instead uses a $100 average-daily-balance threshold and $0/$5 fee. Interest compounding is stated as monthly on the product page and quarterly in one feature blurb.
Offer: Qualifying tier 1: primary owner on a qualifying MaxEarnings Checking account. Rate paid on the entire balance when daily balance is at least $0.01 and less than $25,000. Variable; no minimum balance to earn interest. $5 monthly fee if average daily balance is below the stated threshold; waived/refunded with recurring direct deposit.
Qualified rate · 2.96% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate checked
More details - GHS FCUMoney Market PlusMoney Market Plus · $10,000 min · 1.25%–1.75% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.
Offer: No monthly service fee if minimum average daily balance is $5,000. $5 monthly service fee if minimum average daily balance drops below $5,000.
1.24% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Money Market Plus Balance APY $10,000 – $25,000Your amount 1.25% $25,000 – $50,000 1.50% $50,000 and up 1.75% Rate checked
More details - UHS Employees Federal Credit UnionPremier Money Market AccountPremier Money Market Account · $2,500 min · 1.00%–1.50% by balance
Credit union · 3 branches
1.15%APY$115 a year on $10,000Requirements
Product: Requires opening and maintaining a balance of at least $2,500.00 at all times. Must maintain at least $5.00 in a share savings account.
Offer: Must maintain balance above $2,500.00; requires at least $5.00 in a share savings account.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY $2,500 – $10,000 1.00% $10,000 – $50,000Your amount 1.15% $50,000 – $100,000 1.25% $100,000 and up 1.50% Rate checked
More details - Empower Federal Credit UnionPremium Money MarketPremium Money Market · $2,500 min · 1.05%–2.35% by balance
Credit union · 3 branches
1.15%APY$115 a year on $10,0001.05% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY $2,500 – $10,000 1.05% $10,000 – $250,000Your amount 1.15% $250,000 and up 2.35% Rate checked
More details - Visions Federal Credit UnionFlex Money MarketFlex Money Market · $5,000 min · 1.00%–2.00% by balance
Credit union · 23 branches
1.00%APY$100 a year on $10,0001.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Flex Money Market Balance APY Up to $100,000Your amount 1.00% $100,000 – $250,000 1.25% $250,000 – $500,000 1.50% $500,000 – $1,000,000 1.75% $1,000,000 and up 2.00% Rate checked
More details - Broadview Federal Credit UnionMoney MarketMoney Market · $1 min · 0.10%–3.05% by balance
Credit union · 5 branches
1.00%APY$100 a year on $10,000Requirements
Product: Broadview membership is required. A $1 initial deposit is required to open an account. Rates are variable and may change after account is opened. Fees and other conditions may reduce earnings.
Offer: Rate is variable and may change after account is opened.
0.10% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 1.90% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.05% Rate checked
More details - Broadview Federal Credit UnionHigh Yield SavingsSavings · $0 min · 0.10%–3.05% by balance
Credit union · 5 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Features tiered rate structure: the more you save, the more you earn. Broadview membership required. Rate may be variable and subject to change.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 0.10% $2,500 – $10,000 0.75% $10,000 – $25,000Your amount 1.00% $25,000 – $50,000 1.50% $50,000 – $100,000 1.90% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 2.75% $1,000,000 and up 3.05% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.
Offer: Min. Avg. Daily Balance: $2,500.00.
0.99% interest rate
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Initial deposit of $1 establishes Empower membership and is required to open and maintain account. Dividends are compounded daily and posted monthly. Dividends may be paid only from current income and accumulated earnings after required transfers to reserves.
Offer: Tier 1.
0.55% interest rate · Compounded daily · Effective Apr 11, 2023
Rate checked
More details - 0.55%APY$55 a year on $10,000
Requirements
Product: Dividends may be paid only from current income and accumulated earnings after required transfers to reserves. Early withdrawal penalty may apply.
Offer: Tier 1.
0.55% interest rate · Effective Apr 11, 2023
Rate checked
More details - UHS Employees Federal Credit UnionSavings AccountSavings · $25 min · 0.10%–0.50% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Dividends accrue on balances of $25.00 or more.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $1,000 0.10% $1,000 – $10,000 0.25% $10,000 and upYour amount 0.50% Rate checked
More details - Peoples Security Bank & TrustRelationship Money MarketRelationship Money Market · $2,500 min · 0.50%–2.13% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Enhanced consumer money market when linked to an active PSBT personal checking account with one recurring qualifying direct deposit, an active debit card, and online banking enrollment. Interest rates are tiered based on aggregated relationship balance. Interest is variable, compounded and credited monthly using the daily balance method. A $2,500.00 minimum balance is required to earn interest. $8.00 monthly service charge if average daily balance falls below $2,500.00; marketing also states no monthly fee with a linked account. Offered in PA, NY, and NJ.
Offer: Requires active PSBT personal checking with qualifying direct deposit, debit card, and online banking. APY based on aggregated relationship balance. Variable rates. Minimum $2,500.00 to earn interest. $8.00 monthly fee if average daily balance is below $2,500.00.
Qualified rate · 0.50% interest rate · $8 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Relationship Money Market Balance APY $2,500 – $100,000Your amount 0.50% $100,000 – $250,000 0.65% $250,000 – $1,000,000 1.08% $1,000,000 – $5,000,000 1.30% $5,000,000 and up 2.13% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Track progress for all goals. Create and track multiple accounts. Save for individual goals. Broadview membership required. Rate may be variable and subject to change.
0.10% interest rate · No monthly fee · Effective Oct 2, 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 Binghamton, NY metro
36 accounts at 12 banks and credit unions · checked Oct 6–16
- Typical
- 0.08%
- Top 10% from
- 1.20%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.55%
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Binghamton, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- GHS FCUCredit union · 1 branch
- Broadview Federal Credit UnionCredit union · 5 branches
- Peoples Security Bank & TrustBank · 2 branches