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 Massena, NY metro
- 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 - Adirondack Federal Credit UnionHigh Yield SavingsSavings · 0.01%–1.25% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Adirondack Federal Credit Union must be primary financial institution. No fees associated with these accounts that could reduce earnings, and no penalties for early withdrawals.
Offer: Less than $2,500
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 0.01% $2,500 – $74,999Your amount$2,500 - $74,999 1.25% $75,000 – $149,999$75,000 - $149,999 0.40% $150,000 and up$150,000+ 0.25% Rate checked
More details - Adirondack Federal Credit UnionShare 15 Money MarketShare 15 Money Market · 0.01%–1.25% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Membership eligibility requires living, working, worshiping, or attending school in Essex, Franklin, St. Lawrence, or Clinton counties.
Offer: No fees that could reduce earnings; no penalties for early withdrawals.
0.01% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share 15 Money Market Balance APY Up to $2,500 0.01% $2,500 – $74,999Your amount 1.25% $75,000 – $149,999 0.40% $150,000 and up 0.25% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Offer: when paired with a 3-, 4-, 5-year certificate
Qualified rate · 1.00% interest rate · Effective Dec 1, 2020
Rate checked
More details - 0.75%APY$75 a year on $10,000with conditions
Requirements
Offer: when paired with a 2-year certificate
Qualified rate · 0.75% interest rate · Effective Dec 1, 2020
Rate checked
More details - Northern Credit UnionHigh Yield SavingsSavings · $1 min · 0.75%–2.50% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account. Minimum opening deposit $1.
Qualified rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $35,000Your amount 0.75% $35,000 – $75,000 1.00% $75,000 – $250,000 1.50% $250,000 and up 2.50% Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: Listed under Rewards Accounts.
Offer: Up to $50,000.00 balance.
0.60% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for Premier Share Balance APY Up to $50,000Your amount 0.60% Over $50,000 0.10% Rate checked
More details - Massena Savings & Loan AssociationMoney Market Savings AccountMoney Market Savings Account · $2,500 min
Bank · 2 branches
0.51%APY$51 a year on $10,000Requirements
Product: Interest compounded and credited on a quarterly basis. Daily Balance Method is used. Note that commercial accounts do not have tiers and do not earn interest.
Offer: Tier 3 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY.
0.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - North Country Savings BankMoney Market Advantage AccountMoney Market Advantage Account · $1,000 min · 0.25%–1.01% by balance
Bank · 4 branches
0.40%APY$40 a year on $10,000Requirements
Offer: Tier 1- Minimum Daily Balance $1,000.00
0.25% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Market Advantage Account Balance APY $1,000 and up 0.25% $10,000 and upYour amount 0.40% $25,000 and up 0.50% $75,000 and up 1.01% Rate checked
More details - SeaComm Federal Credit UnionMoney Market AccountMoney Market Account · $100 min · 0.10%–1.00% by balance
Credit union · 4 branches
0.35%APY$35 a year on $10,000Requirements
Product: Dividends are calculated daily, paid monthly, and tiered based on balance.
Effective Apr 14, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $100 – $2,500 0.10% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 – $100,000 0.60% $100,000 and up 1.00% Rate checked
More details - 0.30%APY$30 a year on $10,000
0.10% interest rate · Effective Mar 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $5,000 0.10% $5,000 – $25,000Your amount 0.30% $25,000 – $75,000 0.42% $75,000 – $200,000 0.60% $200,000 and up 0.70% Rate checked
More details - Massena Savings & Loan AssociationMoney Market Savings AccountMoney Market Savings Account · $2,500 min
Bank · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Interest compounded and credited on a quarterly basis. Daily Balance Method is used. Note that commercial accounts do not have tiers and do not earn interest.
Offer: Tier 2 of tiered rates. Minimum ledger balance of $2,500 required to obtain disclosed interest rate/APY.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - Northern Credit UnionMoney MarketMoney Market · $0 min · 0.15%–0.30% by balance
Credit union · 2 branches
0.20%APY$20 a year on $10,000Effective Dec 1, 2022
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.15% $10,000 – $50,000Your amount 0.20% $50,000 – $100,000 0.25% $100,000 and up 0.30% Rate checked
More details - Northern Credit UnionEasy Savings Account NYSavings · $0 min · 0.10%–0.15% by balance
Credit union · 2 branches
0.15%APY$15 a year on $10,000Requirements
Product: No minimum opening deposit requirement. Keep saving with automatic monthly deposits of $25 or more. One withdrawal or transfer permitted per monthly statement cycle.
Offer: Blended rate tier structure: earns 0.10% APY on all balances up to $499.99.
Effective Jun 1, 2023
Rate by balance
Rate by balance for Easy Savings Account NY Balance APY Up to $500 0.10% $500 – $2,500 0.14% $2,500 – $5,000Blended rate tier structure: advertised as 0.14% - 0.15% APY (0.10% on first $499.99, 0.15% on balance between $500.00 and $9,999.99). 0.15% $5,000 – $10,000 0.15% $10,000 and upYour amount 0.15% 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 Massena, NY metro
32 accounts at 9 banks and credit unions · checked Oct 16
- Typical
- 0.13%
- Top 10% from
- 1.23%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.30%
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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