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 Kingston, NY metro
- Self Reliance Financial Federal Credit UnionHigh Yield Savings AccountSavings · $5,000 min
Credit union · 1 branch
3.20%APY$320 a year on $10,000Requirements
Product: Must be a member of SRFFCU. Rates and APYs are variable and may change after account opening. Dividends compounded daily and credited monthly.
Offer: A minimum balance of $5,000 is required to open the account and earn the advertised APY. If balance falls below $5,000, dividends/advertised APY will not be earned. Rates and APYs are variable.
3.15% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 2.25%APY$225 a year on $10,000with conditions
Requirements
Product: Must be paired/linked with a Heritage High Yield Checking or Heritage Cash Back Checking account. Monthly Direct Deposit/ACH credit and enrollment in eStatements are conditions. Limit of one account per member (SSN). Non-commercial use only.
Offer: Earned when monthly qualifications in linked Heritage High Yield Checking or Heritage Cash Back Checking are met (at least 12 debit card purchases, at least 1 direct deposit/ACH credit, enrolled in e-Statements). Dividend rate is 2.23%.
Qualified rate · 2.23% interest rate · Balance cap $150,000 · No monthly fee · Effective Feb 9, 2026
Rate checked
More details - Sawyer Savings BankHigh Yield SavingsSavings · $10,000 min · 0.00%–2.50% by balance
Bank · 4 branches
2.00%APY$200 a year on $10,000Requirements
Product: Must be opened with a minimum of $10,000 in new funds not already on deposit with Sawyer Savings Bank. Variable interest rate subject to change at any time without notice. Minimum daily balance of $100.00 to avoid monthly maintenance fee of $2.00.
Offer: Monthly fee of $2 waived with daily balance of $100 or more.
$2 monthly fee · Effective Oct 1, 2025
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $500 0.00% $500 – $50,000Your amount 2.00% $50,000 and up 2.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires a linked High Interest Checking or Cash Back Checking account. Limit one Premier Savings account per linked checking account. No monthly maintenance fee. Available to consumers residing in New York State.
Offer: Base rate applied to all account balances when monthly qualifying criteria on linked High Interest Checking or Cash Back Checking account are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Oct 21, 2024
Rate by balance
Rate by balance for Premier Savings Balance APY Any balance 0.05% Up to $100,000Your amountEarns 2.00% APY when linked High Interest Checking or Cash Back Checking qualifications are met (at least 15 debit card transactions of $1+, at least 1 direct deposit or ACH payment, and eStatement enrollment per Monthly Qualification Cycle). 2.00% Over $100,000When monthly qualifications on linked High Interest Checking or Cash Back Checking are met; 0.50%* Rate checked
More details - Self Reliance Financial Federal Credit UnionMoney MarketMoney Market · $1,000 min
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Membership required. Variable rate. Dividends compounded daily and credited monthly. If the account balance falls below the minimum balance requirement ($1,000), the advertised APY will not be earned. No monthly maintenance fee.
Offer: A minimum balance of $1,000 is required to open and earn the advertised APY. Dividends compounded daily and credited monthly. Rates variable.
1.30% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Self Reliance Financial Federal Credit UnionPremium Money MarketPremium Money Market · $5,000 min
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Membership required. Variable rate. Dividends compounded daily and credited monthly. A minimum balance of $5,000 is required to open a Premium Money Market Account and earn the applicable advertised APY; if balance falls below the requirement, advertised APY is not earned.
Offer: Table lists minimum balance of $1,000; disclosure specifies $5,000 minimum balance required to open and earn advertised APY. Dividends compounded daily, credited monthly. Rates variable.
1.30% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - Sawyer Savings BankPreferred Money MarketPreferred Money Market · $1,000 min · 0.25%–2.75% by balance
Bank · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Must be at least 18 years old to open. Limited to 6 withdrawals per month. An opening deposit of $1,000 is required to avoid a monthly service charge of $20.
Offer: Minimum requirement to earn APY is $1,000. Opening deposit of $1,000 avoids $20 monthly service charge.
$20 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Preferred Money Market Balance APY Up to $9,999 0.25% $10,000 – $24,999Your amountMinimum requirement to earn APY is $10,000. 0.50% $25,000 – $49,999Minimum requirement to earn APY is $25,000. 1.00% $50,000 – $99,999Minimum requirement to earn APY is $50,000. 1.75% $100,000 – $249,999Minimum requirement to earn APY is $100,000. 2.00% $250,000 – $499,999Minimum requirement to earn APY is $250,000. 2.25% $500,000 – $999,999Minimum requirement to earn APY is $500,000. 2.50% $1,000,000 and upMinimum requirement to earn APY is $1,000,000. 2.75% Rate checked
More details - Rhinebeck BankMoney Market AccountMoney Market Account · $1,000 min · 0.50%–2.00% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Available only to New York State residents. $20 monthly maintenance fee is waived when maintaining a $10,000 minimum account balance as of the end of each business day in the statement cycle. Limited to six transfers or withdrawals per statement cycle.
Offer: $20 monthly fee waived with a $10,000 minimum daily account balance.
0.50% interest rate · $20 monthly fee · Effective Mar 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $100,000Your amount 0.50% $100,000 – $500,000 1.00% $500,000 – $1,000,000 1.00% $1,000,000 – $2,000,000 1.16% $2,000,000 – $5,000,000 1.51% $5,000,000 – $10,000,000 1.76% $10,000,000 and up 2.00% 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 - Walden Savings BankAdvantage Savings AccountSavings · $10,000 min · 0.30%–0.50% by balance
Bank · 1 branch
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 - Walden Savings BankMoney Market Deposit AccountMoney Market Deposit Account · $100 min · 0.05%–0.50% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Interest is compounded and credited monthly. Interest is paid on tiered balances. Interest accrued but not credited at withdrawal is forfeited.
0.05% interest rate · Effective Jun 5, 2026
Rate by balance
Rate by balance for Money Market Deposit Account Balance APY $100 – $2,499 0.05% $2,500 – $49,999Your amount 0.35% $50,000 and up 0.50% Rate checked
More details - 0.26%APY$26 a year on $10,000
Requirements
Product: $5.00 monthly service charge waived with $1,000.00 minimum balance. Minimum balance to earn interest is $250.00.
Offer: $5.00 monthly service charge waived with $1,000.00 minimum balance.
0.26% interest rate · $5 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: Requires maintaining a $10 minimum balance.
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: $4 monthly fee is waived when you maintain a $300 minimum account balance as of the end of each business day in the statement cycle OR when you have at least one (1) Savings Made Simple credit per statement cycle. Available to New York State residents.
Offer: $4 monthly maintenance fee is waived by maintaining a $300 minimum daily account balance or receiving at least 1 Savings Made Simple credit per statement cycle.
0.15% interest rate · $4 monthly fee · Effective Oct 21, 2024
Rate by balance
Rate by balance for Classic Savings Balance APY Up to $10,000 0.15% $10,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 – $250,000 0.30% $250,000 and up 0.35% 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 Kingston, NY metro
57 accounts at 20 banks and credit unions · checked Oct 5–22
- Typical
- 0.05%
- Top 10% from
- 0.82%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.05%
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Kingston, NY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Self Reliance Financial Federal Credit UnionCredit union · 1 branch
- Rhinebeck BankBank · 1 branch