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 Cortland, NY metro
- AmeriCU Credit UnionHigh Rate Money MarketHigh Rate Money Market · $0 min · 0.25%–3.00% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. Insured by NCUA. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier.
Offer: Premium APY earned by enrolling in e-statements and having a recurring ACH direct deposit of at least $250 per month during the monthly qualification cycle.
Qualified rate · 0.25% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for High Rate Money Market Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 1.25% $25,000 – $50,000 1.50% $50,000 – $100,000 2.00% $100,000 – $250,000 2.50% $250,000 – $1,000,000 2.75% $1,000,000 and up 3.00% Rate checked
More details - The Summit Federal Credit UnionMoney MarketMoney Market · $1,500 min · 1.10%–1.60% by balance
Credit union · 1 branch
1.20%APY$120 a year on $10,000Requirements
Product: Must be a member of The Summit Federal Credit Union ($5.00 par value share in Primary Savings required for membership). Average daily balance of at least $1,500 required to earn dividends. A monthly Account Maintenance Fee of $5.95 applies to the member's account unless exempt (e.g., monthly Combined Balance is $2,500 or greater, age 22 and younger, age 65 and older, accounts open less than 3 months, 10 or more monthly debit card POS transactions posted during the month, non-profit organizations, or checking with at least one direct deposit received per quarter).
Offer: Tiered rate applied to full balance based on average daily balance.
1.09% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $10,000 1.10% $10,000 – $25,000Your amount 1.20% $25,000 – $50,000 1.30% $50,000 and up 1.60% Rate checked
More details - Visions Federal Credit UnionFlex Money MarketFlex Money Market · $5,000 min · 1.00%–2.00% by balance
Credit union · 1 branch
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 - AmeriCU Credit UnionHigh Rate Money MarketHigh Rate Money Market · $10,000 min · 0.40%–1.00% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. Insured by NCUA. Rates may change after the account is opened. Fees may reduce earnings. Minimum balance requirements apply to each tier.
Offer: Standard APY applied if premium qualification requirements are not met.
Qualified rate · 0.40% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for High Rate Money Market Balance APY $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 – $1,000,000 0.90% $1,000,000 and up 1.00% Rate checked
More details - AmeriCU Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 0.01%–1.00% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: This variable rate savings option pays dividends compounded and paid monthly. Rates may change after the account is opened. Rates subject to change without notice. Fees may reduce earnings on account.
0.01% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $500 0.01% $500 – $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 – $250,000 0.80% $250,000 – $1,000,000 0.90% $1,000,000 and up 1.00% Rate checked
More details - Beginnings Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.30%–0.75% by balance
Credit union · 2 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Keep a minimum deposit of one penny ($0.01) to open and maintain membership.
0.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $5,000 0.05% $5,000 and upYour amount 0.10% Rate checked
More details - AmeriCU Credit UnionSecured Visa Savings Share AccountsSavings · $50 min · 0.01%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Available to members with our Secured VISA product only.
Qualified rate · 0.01% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Secured Visa Savings Share Accounts Balance APY Up to $1,000 0.01% $1,000 – $2,500 0.03% $2,500 – $5,000 0.05% $5,000 and upYour amount 0.10% 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 - 0.05%APY$5 a year on $10,000
Requirements
Product: Account limitations apply: entire balance will be transferred to another account of yours on or after the day selected and the account will remain open. If closed within 7 days of opening, accrued dividends will be paid; otherwise accrued uncredited dividends are forfeited upon closure. No minimum balance required to maintain account.
Offer: Minimum $100 to earn APY. Compounded monthly. Variable rate.
Compounded monthly · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Requires maintaining membership at Beginnings Credit Union with a $5.00 share. Monthly service fee is $0.00. Dividends compounded and credited monthly based on daily balance.
Offer: Minimum $100 daily balance to earn APY. Compounded monthly. Variable rate.
Compounded monthly · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Also referred to as Personal Statement Savings. Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $25 or more quarterly, or monthly if set up with a portfolio statement.
Offer: Tier 1: Average daily balance $25 +. Accounts opened online.
0.03% interest rate · No monthly fee · Effective Dec 11, 2025
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Online opening requires age 18 or older. No monthly balance requirements. No monthly maintenance fee. Minimum balance to open is $25 online or $0 in branch. Interest paid on balances $100 or more quarterly, or monthly through a portfolio statement.
Offer: Tier 1: Average daily balance $100 < $2,500 ($100 - $2,499.99). Accounts opened online.
0.03% interest rate · No monthly fee · Effective Dec 11, 2025
Rate checked
More details - 0.02%APY$2 a year on $10,000
Requirements
Product: Variable interest rate account. No service charges when $250 minimum balance is maintained. Minimum daily ledger balance to obtain annual percentage yield is $250. Interest compounds quarterly and is credited on the last business day of each quarter.
Offer: Minimum daily ledger balance of $250 to earn stated APY and avoid service charge. Interest compounds quarterly.
0.02% interest rate
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 Cortland, NY metro
18 accounts at 7 banks and credit unions · checked Sep 17–Oct 16
- Typical
- 0.05%
- Top 10% from
- 1.06%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.10%
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Cortland, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmeriCU Credit UnionCredit union · 1 branch
- The Summit Federal Credit UnionCredit union · 1 branch