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 Elmira, NY metro
- Five Star BankHigh Yield Money Market AccountHigh Yield Money Market Account · $10,000 min · 0.10%–3.25% by balance
Bank · 2 branches
2.75%APY$275 a year on $10,000Requirements
Product: Applying online requires an initial deposit of at least $10,000 in new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days. For initial deposits less than $10,000, visit a local branch. Service charge of $10.00 per statement period does not apply when maintaining at least a $10,000 average ledger balance for the activity period.
Offer: Variable rate account. A $10,000.00 minimum deposit of new-to-Five Star Bank money not previously on deposit with Five Star Bank in the past 90 days is required to open. Monthly fee waived with at least $10,000 average ledger balance.
0.10% interest rate · $10 monthly fee
Rate by balance
Rate by balance for High Yield Money Market Account Balance APY Up to $10,000 0.10% $10,000 – $100,000Your amount 2.75% $100,000 and up 3.25% Rate checked
More details - Empower Federal Credit UnionPremium Money MarketPremium Money Market · $2,500 min · 1.05%–2.35% by balance
Credit union · 1 branch
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 - Solutions Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Minimum balance required to maintain a money market account is $2,500. Dividends are paid quarterly based on the daily average balance. No restrictions on deposits or withdrawals. If balance falls below minimum, account will be closed.
Offer: $2,500.00 minimum
1.00% interest rate
Rate checked
More details - Visions Federal Credit UnionFlex Money MarketFlex Money Market · $5,000 min · 1.00%–2.00% by balance
Credit union · 2 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 - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% 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 - 0.50%APY$50 a year on $10,000
Requirements
Product: Maintain a balance of at least $10. No monthly fees. Balances above $50 earn interest.
Offer: Balances of above $50 earn interest.
0.50% interest rate · No monthly fee · Effective Jul 1, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Rate tier: 0.10% over $20,000 (p3). Account balance of $100.00 or more required to earn dividends (p8).
Offer: APR/APY .30% with 0.10% over $20,000.
0.30% interest rate
Rate checked
More details - First Heritage Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.25%–1.26% by balance
Credit union · 3 branches
0.25%APY$25 a year on $10,000Requirements
Product: Membership eligibility required. Member forfeits dividends if account is closed before dividends accrue.
0.25% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $49,999Your amount 0.25% $50,000 – $99,999 0.65% $100,000 – $249,999 1.00% $250,000 and up 1.26% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - First Heritage Federal Credit UnionSavingsSavings · $100 min · 0.15%–0.30% by balance
Credit union · 3 branches
0.15%APY$15 a year on $10,000Requirements
Product: Minimum deposit to open is $5. Minimum daily balance of $100 to earn dividends. Membership eligibility required.
0.15% interest rate · Effective Sep 23, 2026
Rate by balance
Rate by balance for Savings Balance APY $100 – $10,000 0.15% $10,000 – $50,000Your amount 0.15% $50,000 – $100,000 0.20% $100,000 – $250,000 0.25% $250,000 and up 0.30% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Visit local branch to open.
Offer: Variable rate account.
0.10% interest rate
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Service charge is $5.00 per Statement Period, waived with at least $300 average daily balance or if primary person listed on the account is under 18 years old. Variable rate account.
Offer: Service charge is $5.00 per Statement Period, waived with at least $300 average daily balance or if primary person is under 18 years old. Variable rate account.
0.04% interest rate · $5 monthly fee
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Elmira, NY metro
20 accounts at 9 banks and credit unions · checked Sep 17–Oct 16
- Typical
- 0.28%
- Top 10% from
- 1.02%
- Banks, typical
- 0.07%
- Credit unions, typical
- 0.53%
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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